Amarillo Insurance Rates:

Amarillo, TX homeowners insurance is approximately $872 to $1,180, about $72-$98/month. Our thorough guide indicates shoppers can save upto $410 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Affordable Home Insurance Rates in Amarillo, TX

The average price of home insurance in Amarillo, TX, is $1615. Disaster can knock on your door at any time, and residents living in Texas are at a huge risk of hurricanes. In such times, it is pertinent to have home insurance in Amarillo, TX. A home insurance policy assures that the expense of repair or replacement of your home is covered if it gets damaged by natural calamities such as fire, earthquake, flood, etc., or human blights such as fire or burglary. Basic home insurance policies do not cover damage from hurricanes. Homeowners in Amarillo, Texas, can add hurricane coverage to their plans for an additional fee to protect against this costly risk.

Many factors go into determining homeowners' insurance rates in Amarillo, TX. Home insurance companies consider the home's claim history, the age of your home, deductible, and coverage level, among other factors. They also consider the potential crime threat in your area of residence before fixing home insurance rates in Amarillo, TX. Read further to know how you can utilize these factors to lower your home insurance rates in Amarillo, TX.

a. By choosing a higher deductible

The deductible on your home insurance policy is the amount you decide to pay towards a claim before your insurance company steps in to pay the rest. For example, homeowners paying a deductible of 500 and 1500 pay a premium of $1596 and $1359 on homeowners insurance in Amarillo, TX. In contrast, homeowners paying a deductible of 2000 and 2500 pay $1234 and $1160, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Amarillo, TX.

b. By installing security features

Several home features can influence how much you spend on home insurance in Amarillo, TX. Most home insurers want to reward homeowners who have taken steps to ensure their homes are unassailable, sound, and well maintained. Homes equipped with various safety features like deadbolts, sprinkler systems, fire extinguishers, smoke detectors can enjoy low home insurance rates in Amarillo, TX. For instance, homes with deadbolts and fire extinguishers pay $1485.8 and $1469.65 on home insurance in Amarillo, TX.


c. By maintaining a zero claims history

If you have no claims history, it might be possible to get a discount on home insurance rates in Amarillo, TX. Insurance providers tend to proffer exclusive deals to people with zero claims history because they avoid enduring the loss of a claim. For example, homeowners in Amarillo, TX, with zero claims history, have to pay a premium of $1421.2. In contrast, homeowners with one or two claims must pay $1760.35 and $1808.8 on homeowners insurance in Amarillo, TX.

Amarillo, TX, Best Home Insurance Companies

The average cost of home insurance in Amarillo, TX, is $1,615 and is comparatively higher than the national average premium of $1,438. Amarillo homeowners choose home insurance companies based on how reasonably priced their quotes are. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the best home insurance company. Below are the top 5 home insurance companies in Texas according to market share.


State Farm

State Farm is the most prominent company in Texas, occupying the majority of the market share with 19.55%. The renowned home insurance company has written direct premiums worth $1,847,041. It has earned direct premiums worth $1,842,124. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Amarillo policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.


Allstate comes second to State Farm in terms of market share, occupying 13.08% of the home insurance market. Allstate has written direct premiums of $1,236,065 and earned direct premiums of $1,178,535. Allstate has the superior financial ability in granting potential claims of current Amarillo policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power’s customer feedback survey.


Farmers is another major player in the insurance segment holding a market share of 10.39% in Texas. The company has direct premiums written for a total value of $981,914. It has earned direct premiums worth $964,870. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.


Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 9.70%. It has direct premiums written worth $916,464, and direct premiums earned worth $881,961. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Amarillo policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 7.37% in Texas. The home insurance company has direct premiums written worth $696,450 and direct premiums earned worth $706,863. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.

Amarillo, TX Homeowners Insurance By Home Value

Amarillo, TX Home Value Total Homes % of Total Average Amarillo, TX 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

Top Home Insurance Agents Near Amarillo, TX

Home Insurance Company Near Amarillo, TX Homeowners Insurance Agency Near Amarillo, TX Address
Farmers Georgee Ruiz Williams 600 S Tyler St Ste 900, Amarillo, TX, 79101
Farmers Kevin Kuhler 2417 Hobbs Rd Ste 105, Amarillo, TX, 79109
Allstate Tammy Payne 201 E 19th St, Dumas, TX, 79029
Farmers Tyler Cox 1619 S Kentucky St Ste A508, Amarillo, TX, 79102
Travelers Williams-Boyce Agency Llp 212 E 6TH, AMARILLO, TX, 79101

Amarillo, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Amarillo, TX

Streets in Amarillo Area Homeowners Insurance Cost
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

Amarillo, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Amarillo$153 to $156
Bishop Hills$164
Lake Tanglewood$170

Amarillo, TX Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Bishop Hills town, Texas $137 $182 $273
Palisades village, Texas $128 $170 $255
Timbercreek Canyon village, Texas $137 $182 $273

Amarillo, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Amarillo, TX7.3%21.1%
Bishop Hills6.01%14.42%
Timbercreek Canyon4.84%15.19%

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

Amarillo, TX Homeowners 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

Amarillo, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Amarillo Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,300$7,700
Net Savings to Amarillo Home Owner from High Deductible Plan $600

Amarillo, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Amarillo, TX Home Replacement Value MORE than Home Value Amarillo, TX Home Replacement Value LESS than Home Value
Replacement Value $140,500 $92,500
Insurance Premium based on Replacement Value $1,500 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $29,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $200/year

Example Amarillo Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyGEICO InsuranceFarmers Insurance
Monthly Premium 12310162
Year Built 199119691976
Home Details 5 Beds, 2 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$75000-$100000
Deductible > $10,000 Deductible> $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Amarillo, TX from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 165,000 Slate Shingles Roof 2,280 3 $5000 to $10,000 Deductible 430 7 Stone Siding No
1972 115,000 Asphalt Shingles Roof 1,610 3 $1000-$2500 Deductible 170 3 Vinyl siding yes
1977 130,000 Asphalt Shingles Roof 1,620 5 $2500-$5000 Deductible 590 9 Stone Siding No
2010 90,000 Tile Roof 1,240 3 $500 Deductible 350 6 Wood siding yes
1986 185,000 Wood Shake Roof 3,030 5 $2500-$5000 Deductible 180 2 Stucco siding yes
1972 230,000 Wood Shake Roof 2,850 5 $5000 to $10,000 Deductible 780 8 Fiber-Cement Siding yes
1978 430,000 Asphalt Shingles Roof 4,760 5 $5000 to $10,000 Deductible 2740 12 Brick siding No
1984 125,000 Metal Roof 1,620 3 $1000-$2500 Deductible 890 12 Vinyl siding No
1997 290,000 Tile Roof 4,060 5 $2500-$5000 Deductible 140 1 Brick siding yes
1975 180,000 Asphalt Shingles Roof 2,790 4 $1000-$2500 Deductible 900 10 Fiber-Cement Siding yes
1976 290,000 Wood Shake Roof 3,390 4 $1000-$2500 Deductible 1470 6 Vinyl siding yes
1979 210,000 Tile Roof 2,580 5 $2500-$5000 Deductible 1030 10 Stone Siding yes
1971 160,000 Composition Roof 2,370 4 $2500-$5000 Deductible 350 3 Wood siding No
1964 110,000 Shingles Roof 1,690 3 $500- $1000 Deductible 800 8 Wood siding yes
2011 100,000 Membrane Roof 1,460 3 $2500-$5000 Deductible 390 7 Vinyl siding yes
1977 215,000 Slate Shingles Roof 3,260 5 $5000 to $10,000 Deductible 1200 12 Vinyl siding yes
1960 110,000 Wood Shake Roof 1,270 2 $500- $1000 Deductible 460 5 Vinyl siding yes
1975 195,000 Wood Shake Roof 2,480 5 $1000-$2500 Deductible 140 1 Stucco siding No
1994 115,000 Composition Roof 1,760 2 $2500-$5000 Deductible 420 6 Brick siding yes
1968 140,000 Shingles Roof 1,720 2 $500 Deductible 440 4 Stucco siding No
1960 150,000 Composition Roof 2,390 3 $500 Deductible 560 5 Vinyl siding yes
1974 265,000 Membrane Roof 3,290 4 > $10,000 Deductible 400 3 Stucco siding yes
1988 100,000 Metal Roof 1,210 2 $2500-$5000 Deductible 70 1 Stone Siding No
1994 120,000 Wood Shake Roof 1,820 5 $500 Deductible 490 6 Stucco siding yes
1983 85,000 Metal Roof 1,260 2 $1000-$2500 Deductible 500 9 Stone Siding No
1975 195,000 Asphalt Shingles Roof 2,260 4 $2500-$5000 Deductible 180 2 Brick siding No
1983 180,000 Wood Shake Roof 2,720 4 $500 Deductible 1090 9 Stone Siding No
1987 85,000 Membrane Roof 1,070 2 $500 Deductible 200 3 Wood siding No
1988 120,000 Membrane Roof 1,470 2 $2500-$5000 Deductible 520 6 Stucco siding yes

Latest Home Insurance Reviews

State Farm
The State Farm company very useful and famous company. this very useful to me in my family.this insurence company is compared to very best company on the other insurence company.
I would absolutely recommend allstate because it was recommended to me, and I couldn't put myself in another person's shoes and be recommended anything else.
Progressive has offered the cheapest premium for the coverage I want. I of course will continue to shop around, but they have been consistantly the cheapest.
State Farm
I would definitely recommend State Farm to anyone looking for a Home policy. The coverage is good, the premiums are competitive and the service is much better than what we've experienced elsewhere.
they are always ready to help if one had a problem or questions about their policy,if anything goes wrong in your home concerning the policy agreement they are always there to fix it for you.
State Farm
I would rate this company a 5. The customer service here is phenomenal. I always get to speak to a person if I have a question or concern. The prices are average. They are not cheap, but they also are not crazy expensive.
Alfa Insurance
They were quick to point out the short-comings of my previous policy. And while that was a plus for my own peace of mind, I feel it was just another tactic to gain a buck or two.
Their customer service seems to be above average from many other customer services i have experienced in the past. I can understand everyone and i am directed to where it is i need to be.
In the home insurance very helpful than the other company. Because In our company mose preferance and offering for the customer. And customer service was satisfied.
Anytime we have needed to file a claim, or talk to a representative, they have been very helpful, and they have been very prompt and the responses to us.
Very nice and I received a discount for bundling with my car insurance.
State Farm
I've been with State Farm for over 20 years now. Its a pretty straightforward insurance plan. I haven't looked at other insurance company offerings. But i'm pretty pleased where I am.
Sometimes they charge me the wrong amount on my bill. i have to always check it and make sure it is correct. even though they fix it it is still a pain to have this happen and even talking to them hasn't permanently fixed this issue.
Farmer's Insurance
Currently, our monthly home insurance premium for our new home is cheaper than our car and health insurance.
Rvos Insurance
Rvos has a very high cost related to their insurance. they not only are expensive but they do not have helpful payment plans to make their policies more affordable.
I'm satisfied with this company and the process of handling claims. The employees are friendly and helpful and available when you need them.
Rvos Insurance
I don't talk to them very much, but I suppose I don't need to. I can't really say for sure.
State Farm
I dislike State Farm because I feel that some services are overpriced and they are vague in what is covered.
State Auto
So far there is nothing I have to say negatively about this company. They have been great.
I have only recently compared it to one other and mine was lower. However, each renewal goes up and for someone who has rarely had a claim in their lifetime, that shouldn't happen.
I have not had any claims but so far the company has been great to work with. They explain things very well.
Rvos Insurance
There is not much that I like about the company. The only reason I haven't changed is that I haven't had time to do research on other companies.
I would recommend this insurance company for the good customer service and the good overall follow up. It doesn't take long to get an agent and It doesn't require too much effort to get your claim solved.
I will recommend this company because of the reasons that the premiums are low as compared to other companies and the payout is comparatively high.
State Farm
The premium and deductible is not to crazy, the premium is less than car insurance and w ehave it bundled with our other insurances making it more. Deductible is reasonable
Liberty Mutual
I like that Liberty Mutual was pretty easy to get homeowners and auto insurance bundled together. I have the low car and house insurance because of this. This was partly due to the fact that I have a credit union account with one of their partners so I was able to save money. The also had the lowest rates compared to their competitors.
State Auto
I dislike premiums. I dislike having to pay insurance since it's basically gambling and the only people that win are the insurance company. For the amount of likelihood that I will ever need a claim, it's almost ludicrous to be expected to pay. I should be heavily discounted or refunded, for not filing claims ever.
Farmer's Insurance
They offer good coverage at a reasonable cost and are very responsive to claims. They are easy to work with and have a good website that is easy to search and pay online.

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