Amarillo Insurance Rates:

Amarillo, TX home insurance is approximately $872 to $1,180, about $72-$98/month. Our thorough guide indicates shoppers can save upto $410 by getting multiple quotes

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Amarillo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $490/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

5 Beds, 5 Baths 1820 sqft Vacation Property Constructed In 1994 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $500/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1260 sqft Vacation Property Constructed In 1983 with Stone Flooring, Metal Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 2260 sqft Primary Residence Constructed In 1975 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $1090/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

4 Beds, 4 Baths 2720 sqft Rental Property Constructed In 1983 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $200/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1070 sqft Primary Residence Constructed In 1987 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $520/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1470 sqft Vacation Property Constructed In 1988 with Stone Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Female who is Retired with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

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Amarillo Rates & Quotes Analysis:

Amarillo Area Estimated House Insurance
Ravine Trl, Brook Ave, Clover Dr, Willow Oak Pl, Sequoia St, Caddo Rd, Rogers St, Irene Dr, NE 3rd Ave, SW 19th Ave$995
Veteran St, W 26th Ave, S la Salle St, S Eastern St, SE 28th Ave, Loma Vista Dr, S Masterson Rd, Redondo Dr, Arroyo Dr, N Palo Duro St$1,019
Church Ave, Mimosa Ln, FM 2176, Hudson Ave, Hobbs Rd, Woodbury Pl, N Ong St, Glenview Ct, Rio Grande Ave, SW 16th Ave$1,094
Silver Hill Cir, San Jacinto Ave, Heidi Ln, St Paul St, Keystone Dr, Painted Daisy Pl, Bellaire St, N Lamar St, S Goliad St, N Nance St$1,037
Angelus Dr, S Florida St, N Lincoln St, S Julian Blvd, Access Rd, Nix St, N Bonham St, Willis Knight St, Busher Ln, Gallardia Ave$995
N Washington St, Simpson Dr, Ransome Dr, Colida Ln, Wisdom Dr, S Madison St, Hilltop Dr, S Goliad St, S Seminole St, E 5th Ave$1,025
Redwood St, Hester Rd, San Jacinta, Crenshaw St, N Manhattan St, S Forest St, S Austin St, Wallace Blvd, James Ave, Potter Dr$1,035
S Fannin St, S Seminole St, Range Trl, Givens Ave, S Maryland St, Ingram Dr, Foxglove St, S Goliad St, Persimmon Ln, SW 25th Ave$1,027
Panhandle Ave, N Hughes St, Hazell Ave, Didrickson Ln, NE 27th St, Tularosa St, SE 20th Ave, W Hastings Ave, Folsom Rd, S Harrison St$1,034
SE 5th Ave, Rimrock Trl, S Tyler St, S Fannin St, S Rosemont St, Everett Ave, E 2nd Ave, S Arthur St, Bourgeois St, Hetrick Dr$1,001

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,311 Homes (16% of total) built between 1970 to 1979 in Amarillo are paying home insurance between $1,664-$1,679 compared to Bishop Hills (+$112), Timbercreek Canyon (+$110), Lake Tanglewood (+$178), Potter County (-$25) and Panhandle (-$14).
  • Bedrooms: 22,010 2 bedrooms homes (27% of total homes ) in Amarillo are paying about $626 and differs from Bishop Hills (+$42), Lake Tanglewood (+$67), Canadian River Breaks (+$16), Palisades (-$3) and Panhandle (-$5).
  • Auto Insurance Bundling: 10,851 Households (24% of all households) in Amarillo have 3 or more vehicles available and when it is bundled with home insurance you can save $256 and differs from Bishop Hills ($273), Palisades ($255), Timbercreek Canyon ($273).
  • Senior Discounts: 20,664 seniors (more than 55 years) occupied housing units (45% of total) in Amarillo get discounts between $153 to $156. The comparative concessions in proximate regions such as Bishop Hills, Palisades and Lake Tanglewood are $164, $153 and $170 respectively.
  • New Homes discounts: New homes such as the 32,011 homes built between 2000 to 2009 in Amarillo can save $205 and similar new home insurance discounts in nearby towns and cities like Bishop Hills, Palisades and Timbercreek Canyon are $219, $204 and $218 respectively.

Amarillo Homeowners insurance Facts

  • Amarillo, TX has 45,062 owner occupied houses which is 62.2% of all units whereas Bishop Hills, Palisades and Timbercreek Canyon have 88.46%, 85.05% and 99.47% respectively.
  • Amarillo, TX homeowners yearly insurance price at $1,026 is 0.92% of the typical house value of $111,300 which is in contrast with 0.47% in Bishop Hills, 1.01% at Palisades & 0.47% in Timbercreek Canyon.
  • Homeowners in Amarillo, TX pay 2.41% of their income ($40,000 to $44,999) in insurance whereas homeowners in Palisades, Timbercreek Canyon and Lake Tanglewood pay 2.4%, 2.57% and 2.67% respectively.
  • Amarillo, TX’s insurance is 7.3% of monthly housing costs of $1,172/month, for owners with a mortgage compared to 6.01% in Bishop Hills, 6.44% at Palisades & 4.84% in Timbercreek Canyon. But, for households without a mortgage, insurance is 21.1% of costs ($405 in Amarillo, TX) in contrast with 14.42% in Bishop Hills, 32.98% at Palisades & 15.19% in Timbercreek Canyon.

Amarillo, TX Home Values & Insurance rates

For example, insurance for 3,169 Homes (7.0% of total homes ) valued between $90,000 to $99,999 in Amarillo, TX is about $872. Rates in nearby areas in such as Bishop Hills, Canadian River Breaks, Randall County are cheaper by $434, $231, $154 respectively while Palisades and Potter County are costlier by $77 and $270 respectively for similar homes.

Amarillo, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 5,688 12.0% $225
$50,000 to $59,999 2,182 4.0% $482
$60,000 to $69,999 2,964 6.0% $595
$70,000 to $79,999 3,136 7.0% $687
$80,000 to $89,999 2,735 6.0% $779
$90,000 to $99,999 3,169 7.0% $872
$100,000 to $124,999 5,872 13.0% $1005
$125,000 to $149,999 5,513 12.0% $1261
$150,000 to $174,999 4,604 10.0% $1497
$175,000 to $199,999 2,690 6.0% $1723
$200,000 to $249,999 2,805 6.0% $2072
$250,000 to $299,999 1,461 3.0% $2534
$300,000 to $399,999 1,137 2.0% $3221

Renters Insurance in Amarillo

  • Average Renters Insurance in Amarillo :  $212($17/month)

  • Median Gross Rent in Amarillo :  $706

  • Amarillo Renters Insurance to Median Rent Ratio:  2.41%

  • Average household size of renter-occupied unit :  2.39

Amarillo Renters Insurance as a Percentage of Rent

Amarillo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 414 1.0% $353
$200 to $299 540 2.0% $803
$300 to $499 3,282 12.0% $1253
$500 to $749 10,476 40.0% $1928
$750 to $999 6,946 26.0% $2678
$1,000 to $1,499 3,262 12.0% $3803
$1,500 or more 1,005 3.0% $5453

Protective device discount in Amarillo Up to :  $31

Claims-free discount in Amarillo Up to :  $42

Amarillo, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79110 $98,300 $1,030
79108 $96,100 $1,020
79102 $90,700 $1,020
79103 $81,600 $1,010
79104 $62,900 $1,000
79107 $59,500 $1,000
79101 $44,100 $990
79119 $216,900 $1,100
79124 $207,300 $1,080
79121 $180,400 $1,070
79109 $139,300 $1,050
79118 $135,100 $1,050
79106 $104,700 $1,030