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Cheap Car Insurance in Amarillo, Texas

Find cheap car insurance in Amarillo, a mid-sized city surrounded by cattle ranches in the middle of the Texas Panhandle Plains. Home to nearly 200,000 people, it’s nicknamed the yellow rose of Texas, since Amarillo is the Spanish word for yellow. Amarillo also is the site of the famous roadside attraction known as Cadillac Ranch. Nearby is the scenic Palo Duro Canyon State Park, the second largest canyon in the U.S. after the Grand Canyon. The original Route 66 passes through Amarillo, which had originally been named Oneida.

Driving Conditions in Amarillo

Interstate 40 runs east-west through Amarillo, intersecting with the north end of Interstate 27 coming from Lubbock. Downtown is laid out in a grid pattern and Loop 335 forms a circle around Amarillo.

Amarillo residents have an average commute of 17.5 minutes, shorter than the national average of 26 minutes, according to Census Bureau numbers. For traffic updates in Amarillo, visit

Unique Laws in Amarillo

In Texas, adults can legally ride in the back of a truck, according to Texas state laws. There are even exceptions when it comes to children riding in truck beds, one being if the truck is the family’s only vehicle. There are some pretty strange laws in Texas even in modern times, when much debate is ensuing over whether hogs can be legally hunted from hot air balloons. More antiquated laws prohibit shooting a a buffalo from the second story of a hotel, tucking your pants into one boot unless you own more than 10 head of cattle or carrying wire-cutters in your back pocket.

Amarillo Crime Statistics

Amarillo lands in the top 10 most dangerous Texas cities in most crime categories, according to data from the FBI’s Uniform Crime Reports. It also has a high number of rape cases compared to other cities its size. The city reported 783 cases of auto theft in 2015, a rate of 394 incidents per 100,000 people.

The average for U.S. cities is 220.2 per 100,000 people, according to the National Insurance Crime Bureau. The Amarillo Police Department says many victims of stolen cars hid the keys in or around the car, but car thieves are far better at finding keys than citizens are at hiding them. Among the top three stolen autos are Ford, Chevrolet and Dodge trucks.

Amarillo Safety Requirements

Seat belts are mandatory for all drivers and front-seat passengers and for minors whether in the front or rear seats, Texas law states. Fines and court costs of up to $200 can result for not buckling up. After age 4 or 40 pounds, children may graduate from required safety seats to a booster system. A statewide ban on texting while driving is set to go into effect in September 2017 although cities such as Grand Prairie, Arlington and Denton have already enacted ordinances against banning texting and driving.

Amarillo Impaired Driving Laws

Texas law mandates a person is legally intoxicated and may be arrested and charged with Driving While Intoxicated with a .08 BAC (blood or breath alcohol concentration) in Texas. However, a driver can also be deemed intoxicated if impaired due to alcohol or other drugs regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car. First offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver’s license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver’s license. Charges are enhanced if there is a passenger younger than 15 in the car. To compare cheap car insurance in Amarillo, contact us to find coverage you can afford.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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