Amarillo, TX
Insuring your car and home in Amarillo, TX
Commute, vehicle, and housing data for Amarillo, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Amarillo drivers commuting alone at a rate of 77% and homeowners making up 60% of households. Here is what that means for auto and home coverage in a city of about 203,729.
How Amarillo gets around
| Measure | Amarillo | Texas |
|---|---|---|
| Drive alone to work | 77% | 71% |
| Carpool | 13% | 10% |
| Work from home | 7% | 14% |
| Commute of 45 minutes or more | 8% | 17% |
| Commute under 15 minutes | 38% | 25% |
| Households with no vehicle | 6% | 5% |
| Households with 3 or more vehicles | 21% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Amarillo commutes are shorter than the Texas norm, with 8% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Only 7% of Amarillo workers mostly work from home, below the Texas share of 14%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
21% of Amarillo households keep three or more vehicles, and 6% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Amarillo
The median owner-occupied home in Amarillo is valued at $196,900, and half of the city's homes were built before 1973. The Texas median value is $283,800. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Texas HO-3 policyholders with $150,000–$199,999 of dwelling coverage paying an average of $2,053; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Amarillo drivers
Drivers in Amarillo must carry Texas's minimum of 30/60/25 in liability coverage (none beyond liability (PIP and UM must be rejected in writing)). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Amarillo homeowners bundle?
With 60% of households owning their home, bundling is an option for most Amarillo families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Amarillo cars and homes
Plan for flash flooding, along with large hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Amarillo compared with nearby cities
In Houston, 42% own their home and 14% of households have three or more vehicles. San Antonio: 68% drive alone, 11% commute 45+ minutes, median home $235,700. Dallas: 67% drive alone, 14% commute 45+ minutes, median home $320,700. For share of 45-minute-plus commutes, Amarillo is 21st of 30 Texas cities on this site.
What to have ready for a Amarillo quote
- Roof age and material
- Accidents, tickets, and claims from the last five years
- Vehicle year, make, model, and VIN
- Lender name and loan number
- Target limits and deductibles
- Current declarations pages for auto and home
Questions from Amarillo drivers and homeowners
What auto insurance is required in Amarillo?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
How long are commutes in Amarillo?
About 8% of Amarillo workers commute 45 minutes or more and 38% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Amarillo?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research