Take a quick glance at the car insurance rates in major Texas cities by checking out the brief overview below:<\/p>\n <\/div>\n \n\n

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City<\/th>\n

Full Coverage Insurance<\/th>\n

Liability Insurance Coverage<\/th>\n <\/tr>\n

Amarillo<\/b><\/td>\n

$171<\/b><\/td>\n

$43<\/b><\/td>\n <\/tr>\n

Fort Worth<\/td>\n

$152<\/td>\n

$46<\/td>\n <\/tr>\n

Grand Prairie<\/td>\n

$175<\/td>\n

$52<\/td>\n <\/tr>\n

El Paso<\/td>\n

$161<\/td>\n

$44<\/td>\n <\/tr>\n

Pearland<\/td>\n

$161<\/td>\n

$51<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n\n\n

Compare Car Insurance Rates by Zip Code in Amarillo<\/h3>\n
Are you aware that your address can impact your car insurance costs? Residing in a bustling neighborhood like the Amarillo Downtown area, with its higher traffic volume and accident rates, may lead to increased premiums to account for the elevated risk of minor fender-benders.<\/p>\n
Check out the chart below to compare rates for full coverage and state minimum insurance across various zip codes in the city.<\/p>\n <\/div>\n \n\n
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Zip code<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
79101<\/td>\n $171<\/td>\n $43<\/td>\n <\/tr>\n
79102<\/td>\n $174<\/td>\n $44<\/td>\n <\/tr>\n
79103<\/td>\n $173<\/td>\n $43<\/td>\n <\/tr>\n
79104<\/td>\n $175<\/td>\n $44<\/td>\n <\/tr>\n
79106<\/td>\n $169<\/td>\n $43<\/td>\n <\/tr>\n
79107<\/td>\n $173<\/td>\n $43<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n\n\n
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Low-Cost Car Insurance Rates by Age in Amarillo<\/h3>\n
As a young driver or someone just starting to drive around Amarillo, obtaining car insurance for teens<\/a> can significantly impact your finances. This is primarily due to the fact that carriers tend to raise premiums for new drivers, as they are perceived as a riskier demographic.<\/p>\n
Be sure to take a look at the chart below for a breakdown of the average monthly expenses for different age groups in Amarillo.<\/p>\n <\/div>\n \n\n
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Age<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Teenagers<\/td>\n $700<\/td>\n $216<\/td>\n <\/tr>\n
20s<\/td>\n $371<\/td>\n $105<\/td>\n <\/tr>\n
30s<\/td>\n $171<\/td>\n $43<\/td>\n <\/tr>\n
40s<\/td>\n $159<\/td>\n $41<\/td>\n <\/tr>\n
50s<\/td>\n $148<\/td>\n $40<\/td>\n <\/tr>\n
60s<\/td>\n $143<\/td>\n $38<\/td>\n <\/tr>\n
70s<\/td>\n $161<\/td>\n $48<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n\n\n
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*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100\/300\/100. <\/em><\/p>\n <\/div>\n \n\n\n
Typical Driving Conditions in Amarillo <\/h2>\n
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How Many Accidents Happen Per Year in Amarillo, Texas?<\/h3>\n
According to annual reports from the Texas Department of Transportation, each year over 10 individuals tragically lose their lives in car accidents. In 2020, the city documented 22 fatal crashes with 23 fatalities. The following year, Amarillo experienced 24 fatal crashes resulting in the loss of 30 lives. Moving on to 2022, there were a total of 15 fatal accidents that led to 18 fatalities.<\/p>\n
It’s worth mentioning that being involved in a car accident affects your auto insurance premiums<\/a> and may require you to obtain coverage for high-risk drivers<\/a>.<\/p>\n
Are Road Infrastructure and Bridges in Amarillo Well Maintained?<\/h3>\n
Even though there is currently heavier traffic and many areas under construction in Amarillo<\/a>, it’s just a matter of time before the city’s streets and bridges are in optimal condition.<\/p>\n
The current hustle and bustle is due to the city government, in collaboration with the Texas Department of Transportation, undertaking various projects such as improvements and repaving of Interstate 27, U.S. Highway 87, State Loop 335, and Interstate 40, as well as the replacement of the Central Avenue and Hastings Avenue Bridges. To minimize disruptions to the population during this construction phase, work is also being carried out at night, but authorities recommend driving at a reduced speed around these areas.<\/p>\n <\/div>\n \n\n\n
Minimum Car Insurance Requirements in Amarillo<\/h2>\n
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In places like Amarillo, Texas law makes it necessary for everyone to have liability insurance, covering at least a basic level of protection. This means your policy should take care of any bodily injury and property damage you might cause. It’s important to ensure you meet these minimum needs, so you don’t run into legal trouble.<\/p>\n
And just to break it down a little:<\/p>\n
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Your insurance should cover at least $25,000 for any property damage in an accident.<\/li>\n
For bodily injury and death, you’ll need a minimum of $30,000 per person and $60,000 per incident.<\/li>\n<\/ul>\n <\/div>\n \n\n\n
What Are the Penalties for Driving Without Auto Insurance in Amarillo, Texas? <\/h2>\n
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It’s crucial to keep in mind that if you get pulled over in Texas and can’t provide proof of auto coverage, you might end up facing some penalties according to local laws. As a first-time offender, you could be looking at one-time fees of up to $350 and a driver’s license surcharge of $250 for three years.<\/p>\n
Now, for repeat offenses, these fines can go up to $1,000 each time. On top of that, there might be an extra penalty of $250 for three years per offense. Your vehicle could even be impounded, and you’ll have to pay additional fees to get it back.<\/p>\n
These penalties aren’t worth it. So, make sure to stay on top of your payments and always keep your insurance documentation handy in the glove compartment. That way, you’ll always be able to show that you have an active policy.<\/p>\n <\/div>\n \n\n
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Factors Considered for Determining Car Insurance Rates in Amarillo<\/h2>\n
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When figuring out how much your insurance will cost in Amarillo, your insurance company looks at a few key things to come up with the best price for you:<\/p>\n
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Your driving history<\/strong>: Things like accidents, tickets, or needing special SR-22 auto insurance<\/a> can make you seem riskier to insure, which could mean higher premiums.<\/li>\n
Your car type<\/strong>: If you’ve got a luxury ride or a high-performance car, you might pay more because they cost more to fix or might be at higher risk for theft.<\/li>\n
Your deductible<\/strong>: Opting for a higher deductible can actually help you lower your monthly premium payments.<\/li>\n
Your coverage limits<\/strong>: While more coverage means better protection, it can also ramp up your costs.<\/li>\n<\/ul>\n
By keeping these factors in mind, you can stay ahead of the game when it comes to estimating your premiums and make sure your coverage fits your needs and wallet.<\/p>\n <\/div>\n \n\n\n
Here\u2019s What You Need to Know When Driving in Texas<\/h2>\n
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When it comes to driving in Texas, each city has its own unique challenges. In Houston, you might encounter heavy traffic jams during rush hour, while Dallas is known for its complex highway interchanges that can be tricky to navigate. Austin’s narrow streets and bustling downtown area can also present some obstacles for drivers. And in the city of Amarillo, the desert heat and occasional dust storms can make for challenging driving conditions. Despite these hurdles, being aware of the specific challenges of each city can help you navigate the Texas roads with confidence.<\/p>\n <\/div>\n \n\n\n
Top Ways to Save on Car Insurance in Amarillo, TX<\/h2>\n
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Are you on the hunt for some smart ways to score lower auto insurance premiums<\/a> in Amarillo? Well, here’s a top-notch tip for you: keep that driving record shiny and have a chat with your friendly local agent to explore some sweet deals.<\/p>\n
In the Amarillo area, there are a bunch of insurance discounts you can get your hands on to save some cash, including:<\/p>\n <\/div>\n \n\n
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Multi-Policy Discount<\/span><\/div>\n <\/li>\n
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Low Mileage Discount<\/span><\/div>\n <\/li>\n
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Military Car Insurance Discount<\/span><\/div>\n <\/li>\n
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Senior Citizen Auto Insurance Discount<\/span><\/div>\n <\/li>\n
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Student Car Insurance Discount<\/a><\/span><\/div>\n <\/li>\n
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Eco-Friendly Vehicle Insurance Discount<\/span><\/div>\n <\/li>\n <\/ul>\n <\/div>\n \n\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Obtain Your Car Insurance Quote in Amarillo Today!<\/h2>\n
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At Acceptance, we have you covered for cheap car insurance in Amarillo. No matter if your driving history is impeccable or less than ideal, we’ll find you reliable rates. Get insured with confidence and peace of mind by requesting a quote online<\/a>, visiting our nearby office<\/a>, or calling 877-405-7102<\/a> for friendly assistance.<\/p>\n \n Get Started <\/a>\n <\/div>\n <\/div>\n \n <\/div>\n <\/div>\n <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":1630,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/8914"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=8914"}],"version-history":[{"count":3,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/8914\/revisions"}],"predecessor-version":[{"id":8928,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/8914\/revisions\/8928"}],"up":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1630"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=8914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}