Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
Geico | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
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Insurance Agents in Amarillo, TX and Near by
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0 miDuncan Fraser & Bridges Insurance Group301 S Polk St Ste 600, Amarillo, TX 79101(844) 852-0624View |
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0 miWilliams-Boyce Agency212 SE 6th Ave, Amarillo, TX 79101(806) 376-4247View |
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0 miDusty Walker600 S Tyler St Ste 1904, Amarillo, TX 79101(806) 654-8766View |
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0 miLucas Cordova600 S Tyler St Ste 1904, Amarillo, TX 79101(806) 477-9314View |
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0 miRuben Cortes600 S Tyler St Ste 902, Amarillo, TX 79101(806) 350-7950View |
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0 miTWI Agency600 S Tyler Ste 102, Amarillo, TX 79101(806) 331-2240View |
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0 miGoosehead Insurance - Ray Getman Jerry Davis620 S Taylor St Ste 204, Amarillo, TX 79101(806) 318-9095View |
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0 miUpshaw Insurance Agency801 S Fillmore St Ste 300, Amarillo, TX 79101(806) 468-0400View |
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0 miAutopartners Insurance Agency203 W 8th Ave Ste 101, Amarillo, TX 79101(806) 373-2700View |
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0 miGower & Company Insurance215 SW 9th Ave, Amarillo, TX 79101(806) 373-4336View |
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0 miTexas Preferred Insurance905 S Fillmore St Ste 703, Amarillo, TX 79101(806) 352-0534View |
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0 miDonnie Smith Insurance612 SW 9th Ave Ste A, Amarillo, TX 79101(806) 373-9971View |
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0 miLupe Laird1201 S Polk St Ste 100, Amarillo, TX 79101(806) 418-2750View |
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0 miDaniel Escobedo1308 SW 8th Ave, Amarillo, TX 79101(806) 331-5500View |
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0.61 miA C Insurance Agency303 Ross St, Amarillo, TX 79102(806) 374-2818View |
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0.61 miParagon Independent Insurance Agency1008 S Arthur St, Amarillo, TX 79102(806) 350-7566View |
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0.61 miJera Harris1220 S Georgia St Ste F, Amarillo, TX 79102(806) 372-9100View |
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0.61 miBrad Spinks1619 S Kentucky Suite A-512, Amarillo, TX 79102(806) 379-7773View |
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0.61 miTyler Cox1619 S Kentucky St Ste A508, Amarillo, TX 79102(806) 331-4786View |
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11.99 miReid Bailey9200 Town Square Blvd Ste 1110, Amarillo, TX 79119(806) 322-1825View |
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11.99 miGoosehead Insurance - Landry Lloyd5701 Time Square Blvd Ste 305, Amarillo, TX 79119(806) 418-6792View |
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11.99 miPatrick Phillips3611 S Soncy Rd Ste 8a, Amarillo, TX 79119(806) 373-9688View |
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11.99 miRex Baxter3611 S Soncy Rd Ste 3a, Amarillo, TX 79119(806) 355-7274View |
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11.99 miTimothy Cortez3611 S Soncy Rd Ste 2a, Amarillo, TX 79119(806) 576-2517View |
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11.99 miRuss Glaze5001 Lexington Sq, Amarillo, TX 79119(806) 373-1481View |
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11.99 miPenny Cunningham7935 SW 45th Ave, Amarillo, TX 79119(806) 355-8271View |
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11.99 miJeff Gilbert7800 Hillside Rd Ste 100, Amarillo, TX 79119(806) 354-8772View |
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11.99 miJoanie Ivy9020 S Soncy, Amarillo, TX 79119(806) 358-8166View |
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2.65 miPersonal Service Insurance Agency1201 N Buchanan St, Amarillo, TX 79107(806) 358-8636View |
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2.65 miA-Max Auto Insurance807 E Amarillo Blvd, Amarillo, TX 79107(806) 732-9000View |
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2.65 miAcceptance Auto Insurance1000 E Amarillo Blvd Ste B, Amarillo, TX 79107(806) 372-1255View |
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2.65 miEdibeli Rosales825 Martin Rd, Amarillo, TX 79107(806) 220-0393View |
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2.65 miAutopartners Insurance Agency2301 E Amarillo Blvd, Amarillo, TX 79107(806) 376-6000View |
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2.65 miAmarillio's Insurance Agency3009 E Amarillo Blvd, Amarillo, TX 79107(806) 331-4967View |
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2.88 miAmarillo's Insurance Agency1305 S Grand St, Amarillo, TX 79104(806) 331-4467View |
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2.88 miJeff Bara1203 S Grand St, Amarillo, TX 79104(806) 322-3585View |
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2.88 miCorina Hoang1009 S Grand St Ste B, Amarillo, TX 79104(806) 367-9567View |
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3.15 miDavid Hahn6605 W I 40, Amarillo, TX 79106(806) 351-1191View |
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3.15 miJuan Griego360 SW 6th, Amarillo, TX 79106(806) 376-9292View |
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3.15 miAmarillo's Insurance Agency318 S Mcmasters St, Amarillo, TX 79106(806) 367-9751View |
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3.15 miE-Z Start Auto Insurance Agency1812 S Western St, Amarillo, TX 79106(806) 355-8151View |
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3.15 miJason Chafe1722 S Western St, Amarillo, TX 79106(806) 353-2169View |
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3.15 miBill McDonald1724 S Western St, Amarillo, TX 79106(806) 322-3882View |
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3.15 miSumner Insurance Agency4215 SW 21st Ave Ste B, Amarillo, TX 79106(806) 350-7767View |
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3.15 miNeely Craig & Walton15 Medical Dr, Amarillo, TX 79106(806) 376-6301View |
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3.15 miJessica Hunnicutt4600 W I 40 Ste 303, Amarillo, TX 79106(806) 677-8670View |
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3.15 miJohn Dawson5747 W Amarillo Blvd Ste 600, Amarillo, TX 79106(806) 353-2299View |
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3.15 miRay Leverett5700 Enterprise Cir Ste 112, Amarillo, TX 79106(806) 367-2736View |
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3.15 miAshlee Pillow6620 Lowes Ln Ste 200, Amarillo, TX 79106(806) 731-0080View |
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3.15 miAshley Mauldin2300 Bell St Ste 18, Amarillo, TX 79106(806) 355-3302View |
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3.15 miApex Insurance2300 Bell St Ste 6, Amarillo, TX 79106(806) 457-1253View |
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3.15 miEden Day6666 W Amarillo Blvd Unit 26, Amarillo, TX 79106(806) 418-8341View |
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3.15 miAdele Bryan3131 Bell St Ste 100-a1, Amarillo, TX 79106(806) 367-9881View |
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3.15 miKaiser Insurance Services3131 Bell St Ste 104, Amarillo, TX 79106(806) 358-1344View |
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3.15 miMegan Seaton6900 W Interstate 40 Ste 3c, Amarillo, TX 79106(806) 350-5885View |
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3.15 miJamie Smith2025 S Coulter St, Amarillo, TX 79106(806) 353-9515View |
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3.15 miBrian Moore3333 S Coulter St Ste C2, Amarillo, TX 79106(806) 353-9517View |
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3.15 miRick Hernandez3333 S Coulter St Ste C5, Amarillo, TX 79106(806) 322-1805View |
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3.22 miAllied Insurance Agency2511 S Arthur St, Amarillo, TX 79103(806) 371-7515View |
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3.82 miMichael Fox6801 Bell St Ste 200, Amarillo, TX 79109(806) 358-8666View |
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3.82 miTracey Woodard Insurance Agency4026 SW 51st Ave Ste B, Amarillo, TX 79109(806) 457-8600View |
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3.82 miC.T. & Associates5410 Bell St Ste 406, Amarillo, TX 79109(806) 803-9292View |
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3.82 miDavid Preston Insurance5410 Bell St Bldg B Ste 401, Amarillo, TX 79109(806) 359-4498View |
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3.82 miLuster Insurance Agency5410 Bell St Ste 206b, Amarillo, TX 79109(806) 352-5750View |
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3.82 miHillarey Kirsten Clark4000 S Georgia St Ste B1, Amarillo, TX 79109(806) 359-0235View |
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3.82 miAaron Johnson Insurance4557 S Western St Ste 7a, Amarillo, TX 79109(806) 318-3495View |
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3.82 miBryan Tackett4557 S Western St Ste 4a, Amarillo, TX 79109(806) 331-1394View |
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3.82 miShannon Brooks2001 S Washington St, Amarillo, TX 79109(806) 373-7253View |
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3.82 miAlice Brooks Insurance Agency2491 W Interstate 40, Amarillo, TX 79109(806) 359-9799View |
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3.82 miAAA of Texas Insurance2607 Wolflin Vlg, Amarillo, TX 79109(806) 354-8288View |
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3.82 miJoel A White2201 Civic Cir Ste 211, Amarillo, TX 79109(806) 367-9536View |
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3.82 miCody Long2809 Wolflin Ave, Amarillo, TX 79109(806) 731-0111View |
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3.82 miHerring Agency of Amarillo2921 I-40 W Unit 700, Amarillo, TX 79109(806) 355-6596View |
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3.82 miDan Allen2415 S Kentucky St, Amarillo, TX 79109(806) 352-2716View |
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3.82 miLeo Ramos2620 S Kentucky St, Amarillo, TX 79109(806) 353-9876View |
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3.82 miChris Self3100 S Georgia St, Amarillo, TX 79109(806) 353-9821View |
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3.82 miDavid Cox2600 Paramount Blvd Ste B5, Amarillo, TX 79109(806) 353-6065View |
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3.82 miCash Agency3300 S Georgia St, Amarillo, TX 79109(806) 355-9526View |
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3.82 miAdvanced Insurance Group3310 S Georgia St, Amarillo, TX 79109(806) 359-9091View |
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3.82 miBrian Gibbs3318 S Georgia St Ste 2714, Amarillo, TX 79109(806) 352-5700View |
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3.82 miBudget Insurance2623 Paramount Blvd, Amarillo, TX 79109(806) 350-7468View |
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3.82 miRhonda Kimbrough3314 Olsen Blvd, Amarillo, TX 79109(806) 355-8167View |
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3.82 miMatt Moles3416 Olsen Blvd Ste A, Amarillo, TX 79109(806) 359-1696View |
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3.82 miTexas Heartland Insurance Services3505 Olsen Blvd Ste 103, Amarillo, TX 79109(806) 410-0984View |
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3.82 miKevin Kuhler2417 Hobbs Rd Ste 105, Amarillo, TX 79109(806) 353-2181View |
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3.82 miRon Schroeter3601 S Georgia St, Amarillo, TX 79109(806) 352-8317View |
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3.82 miWest Texas Insurance Agency3702 Mockingbird Ln, Amarillo, TX 79109(806) 352-2090View |
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3.82 miMary Leslie Massey2700 S Western St Ste 700, Amarillo, TX 79109(806) 352-7388View |
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3.82 miC5 Insurance & Associates3615 S Georgia St, Amarillo, TX 79109(806) 359-9400View |
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3.82 miVicki Clary3101 Hobbs Rd Ste 206, Amarillo, TX 79109(806) 356-7025View |
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3.82 miDaphne Wall3101 Hobbs Rd Ste 101, Amarillo, TX 79109(806) 930-3007View |
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3.82 miDon Tipps2700 S Western St Ste 1500, Amarillo, TX 79109(806) 355-7812View |
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3.82 miAutopartners Insurance Agency2909 S Western St Ste B, Amarillo, TX 79109(806) 463-1400View |
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3.82 miTAG Insurance - Jackie Bennett4000 SW 34th Ave Ste D, Amarillo, TX 79109(806) 358-7530View |
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3.82 miA-Max Auto Insurance3309 S Western St, Amarillo, TX 79109(805) 352-2000View |
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3.82 miRandy Miller Insurance Agency3309 S Western St, Amarillo, TX 79109(806) 353-1296View |
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3.82 miSawyer & Associates Insurance Agency3906 Lynette Dr, Amarillo, TX 79109(806) 674-7838View |
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3.82 miTexas Farm Bureau Insurance4231 Ridgecrest Cir Ste C, Amarillo, TX 79109(806) 358-0077View |
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3.82 miMain Street Independent Insurance Agencies4231 Ridgecrest Cir Ste A, Amarillo, TX 79109(806) 331-6538View |
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3.82 miRhonda Greathouse4131 SW 45th Ave, Amarillo, TX 79109(806) 353-9881View |
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3.82 miFarmers Insurance - Jim Kirkpatrick4557 S Western St Ste 6a, Amarillo, TX 79109(806) 206-6185View |
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3.82 miDarren Roush4350 Teckla Blvd, Amarillo, TX 79109(806) 359-9488View |
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3.82 miTWFG Insurance Services - Dona Wirt4300 Teckla Blvd Ste C1, Amarillo, TX 79109(806) 372-8121View |
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3.82 miRonnie Mankin3440 Bell St Unit 316, Amarillo, TX 79109(806) 352-2777View |
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3.82 miClark Damon5000 SW 45th Ave, Amarillo, TX 79109(806) 351-1888View |
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3.82 miLee McCasland3913 Bell St, Amarillo, TX 79109(806) 355-6898View |
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3.82 miGary Wingate7105 W 34th Ave Ste A, Amarillo, TX 79109(806) 359-5179View |
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3.82 miJana Adams7105 W 34th Ave Ste A, Amarillo, TX 79109(806) 356-7006View |
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3.82 miAdams Insurance Agency6015 W 45th St, Amarillo, TX 79109(806) 331-0236View |
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3.82 miDaron Boland6015 SW 45th Ave Ste A, Amarillo, TX 79109(806) 358-0511View |
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3.82 miGomez Insurance Agency4700 Bell St, Amarillo, TX 79109(806) 353-5536View |
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3.82 miCarroll Brim3419 S Coulter St Ste 6b, Amarillo, TX 79109(806) 353-1705View |
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3.82 miG&Z Insurance Agency3419 S Coulter St Ste 5a, Amarillo, TX 79109(806) 355-5600View |
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3.82 miRex Young3419 S Coulter St Ste 4b, Amarillo, TX 79109(806) 352-6200View |
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3.82 miCathy Sutton Insurance3419 S Coulter St Ste 4a, Amarillo, TX 79109(806) 355-2021View |
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3.82 miRandall Clark5408a Bell St Ste 110, Amarillo, TX 79109(806) 359-5371View |
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3.82 miClifton Insurance Agency5408 Bell St Ste 310, Amarillo, TX 79109(806) 359-6000View |
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3.82 miDavid Hahn5410 Bell St Ste 203, Amarillo, TX 79109(806) 359-9835View |
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4.32 miJack Weaver4007 Business Park Dr, Amarillo, TX 79110(806) 331-5225View |
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4.32 miBill McDonald6457 S Western St, Amarillo, TX 79110(806) 359-6300View |
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4.32 miSteven Lay6014 S Western St Ste 300, Amarillo, TX 79110(806) 354-2195View |
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4.32 miJeffrey Donaway3606 S Washington St, Amarillo, TX 79110(806) 359-0046View |
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5.53 miThe Insurance Stop8501 SW 34th Ave Unit 200, Amarillo, TX 79121(806) 359-7867View |
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5.53 miMerritt R Vaughn8001 W 34th Ave Ste 100, Amarillo, TX 79121(806) 355-7451View |
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5.53 miBill McDonald8001 SW 34th Ave, Amarillo, TX 79121(806) 359-1628View |
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5.53 miDavis Insurance Agency7304 SW 34th Ave Unit 4, Amarillo, TX 79121(806) 322-1681View |
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5.53 miTraeson Hudson7480 Golden Pond Pl Ste 300, Amarillo, TX 79121(806) 437-5281View |
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5.53 miKevin Vincent7410 Golden Pond Pl Ste 400, Amarillo, TX 79121(806) 356-9491View |
Learn More About Car Insurance in Amarillo, TX
Helpful Info on Texas Car Insurance
Here is a list of useful information regarding Texas car insurance and driving in Texas roads.
Total vehicles registered | 24,527,939 |
Total uninsured motorists | 14.1% |
Estimated economic loss of all vehicle crashes | $38.4 billion |
Sources: uninsured motorists, 2015, crash report, 2018
Different car insurance coverage options available in Texas
There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.
- Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
- Collision covers for the expenses on your car caused by accident.
- Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
- Medical payments cover your's and your passenger's medical bills
- Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
- Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
- Towing and labor covers for the pay for towing your car and labor cost.
- Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.