The Best Insurance Agencies in Amarillo

D3 Insurance Group leads for thorough coverage audits that find gaps and efficient quote turnarounds across business and homeowner policies.

By The Scoop Editorial Team · How we pick · Updated July 2026

D3 Insurance Group

★★★★★ 5 · 156 reviews

Open 8:30 AM–5 PM, closed Sun & Sat

The team knows you by name here, and customers stick around because the staff catches what matters. The operation specializes in business and homeowner policies, and the standout move is the coverage audit that identifies gaps left by prior agents. Clients report walking away with better coverage and better rates after the check-in, and the quote process runs fast enough that customers shopping multiple agencies find D3 comes back first. The staff brings decades of industry experience to storage building contents coverage, policy restructuring, and the kind of patient explanations that make switching carriers feel simple instead of risky. Accessibility stays high, with prompt responses and staff who remember your situation without needing notes.

"They corrected gaps my prior agent had missed. I ended up with better coverage and a better over all rate."Verified review

Best for: Policyholders who want a second look

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6011 SW 45th Ave, Amarillo

D3 Insurance Group, Insurance Agencies in Amarillo — D3 Insurance GroupPhoto: D3 Insurance Group

6011 SW 45th Ave, Amarillo

2No. 2 in Amarillo

VIVA Insurance

★★★★★ 5 · 155 reviews

Open 8:30 AM–5:30 PM, closed Sun & Sat

The shop runs on quote hunting, and clients report substantial monthly drops after switching from Allstate, Freadloya, and other carriers. The process moves fast without corners cut, with staff who shop multiple carriers to surface the best combination of coverage and price. Full coverage and liability options land on the table with patient explanations for customers who need them, and the communication stays clear from the first call through policy setup. The pace keeps stress low, and the staff treats the work like a consultation instead of a transaction, walking through options until the choice clicks.

"I have a better progressive and saving 100$ per month with way better coverage."Verified review

Best for: Customers leaving big-name carriers for savings

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1109 S Grand St, Amarillo

THE SCOOP VIVA Insurance Insurance Agencies · Amarillo No image available

1109 S Grand St, Amarillo

3No. 3 in Amarillo

Cortez Insurance Agency

★★★★★ 4.9 · 94 reviews

Open 8:30 AM–5:30 PM most days, closed Sun & Sat

Personal service anchors this operation, with staff who deliver multi-company quote comparisons and text-message accessibility. Auto, home, life, and commercial policies all land under one roof, and the team handles after-hours inquiries for clients who work standard schedules. The quote process runs quick, and customers switching from other agencies report significant rate drops with equivalent or better coverage. Communication stays professional and friendly.

"…they do it all even after hours!!! Amazing people!!! I recently purchased a new vehicle and they have been amazing finding me the best insurance with all the bells and whistles…"Verified review

Best for: Clients who need flexible contact methods

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3611 S Soncy Rd Bld 2A, Amarillo

Cortez Insurance Agency, Insurance Agencies in Amarillo — Cortez Insurance AgencyPhoto: Cortez Insurance Agency

3611 S Soncy Rd Bld 2A, Amarillo

4No. 4 in Amarillo

Clifton Insurance Agency

★★★★★ 4.9 · 157 reviews

Open 9 AM–5 PM most days, closed Sun & Sat

The agency runs a specialty lane in malpractice insurance for CRNAs, doctors, dentists, and medical spa operators, with same-day or 24-hour quote turnarounds. Medical professionals value the group policy options for small teams and the gap coverage that fills holes in existing plans. Staff responsiveness stays high, with customers reporting personal attention that treats urgent employment matters like urgent employment matters.

"Lightning fast communication. My policy was finalized very quickly and effectively."Verified review

Best for: Healthcare workers needing liability coverage fast

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7513 SW 45th Ave Ste D, Amarillo

THE SCOOP Clifton Insurance Agency Insurance Agencies · Amarillo No image available

7513 SW 45th Ave Ste D, Amarillo

5No. 5 in Amarillo

Texas Preferred Insurance

★★★★★ 5 · 50 reviews

Open 1 PM–5 PM, closed Sun & Sat

The office handles bundled auto and home policies, rental property coverage, and commercial insurance across multiple businesses. Clients get detailed walkthroughs of coverage options before signing, with same-day policy setup when timing matters. Long-term clients return for the responsiveness during claims (house fires, car accidents) and the premium savings that consistently beat competitor quotes.

"…always responsive, caring, and professional. No matter what we need or how quickly we need it, his team is ready to help…"Verified review

Best for: Customers managing multiple properties or businesses

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905 S Fillmore St Ste 703, Amarillo

Texas Preferred Insurance, Insurance Agencies in Amarillo — Texas Preferred InsurancePhoto: Texas Preferred Insurance

905 S Fillmore St Ste 703, Amarillo

How Amarillo's Top Insurance Agencies Compare

How Amarillo's top Insurance Agencies compare across key factors
Business	Hours	Known for
D3 Insurance Group Top Pick	8:30 AM–5 PM	Policyholders who want a second look

VIVA Insurance	8:30 AM–5:30 PM	Customers leaving big-name carriers for savings
Cortez Insurance Agency	8:30 AM–5:30 PM	Clients who need flexible contact methods
Clifton Insurance Agency	9 AM–5 PM	Healthcare workers needing liability coverage fast
Texas Preferred Insurance	1 PM–5 PM	Customers managing multiple properties or businesses

What People Are Saying

★★★★★

Felt like having someone who was fully invested in our needs and not our bank account.

D3 Insurance Group

★★★★★

Excellent customer service, fast, and above all, very good pricing.

VIVA Insurance

★★★★★

…he went out of his way to pick me up and made sure all the paperwork was done.

Cortez Insurance Agency

Insurance Agencies in Amarillo

Insurance agencies in Amarillo navigate a distinct risk environment shaped by Potter and Randall County sprawl, aerospace and manufacturing jobs at Bell Helicopter and Pantex that anchor homeowner policies, and high-plains weather that delivers hail, wind, and cold fronts year-round. That weather pattern makes homeowner coverage pricier than sheltered Texas markets, and local agents build wind and hail endorsements into standard recommendations to balance protection with affordability. Commercial inquiries mirror the economy: ranchers, Interstate 40 truckers, and downtown small-business owners all seeking liability and property coverage that fits tight margins and reflects the realities of doing business in the Panhandle.

What to Know Before You Choose

Ask how many carriers the agency shops and whether they conduct a coverage gap audit on your existing policies before quoting new ones, because the best savings come from finding both a better rate and better protection.
Request itemized quotes that show identical coverage limits across carriers so you compare rates honestly instead of guessing whether cheaper means less.
Confirm the agency's response time for claims and policy changes, and test it by calling or texting with a question before you sign, because accessibility during a claim matters more than the premium.
For homeowner policies in Amarillo, ask about wind and hail endorsements and roof age discounts, since the high-plains weather drives damage claims that affect your rate and coverage.
If you run a business or own rental properties, find out whether the agency handles commercial lines and multi-property bundles under one relationship, because splitting carriers complicates claims and renewals.
Check whether the agency offers the contact methods you prefer, text messaging, after-hours availability, or face-to-face meetings, because the best policy means nothing if you cannot reach anyone when it counts.

Questions Amarillo Locals Ask

Who has the best insurance rates in Amarillo?

VIVA Insurance and D3 Insurance Group both hunt quotes across multiple carriers, and customers report triple-digit monthly savings versus major national brands. The savings depend on your driving record, property details, and coverage needs, so the best move is requesting itemized quotes from at least two agencies to see which carrier combination lands lowest for your profile.

Which Amarillo agency specializes in malpractice insurance for medical professionals?

Clifton Insurance Agency handles malpractice coverage for CRNAs, doctors, dentists, and estheticians, with same-day or 24-hour quote turnarounds. They offer group policies for small medical teams and gap coverage that fills holes in existing plans, making them the go-to for healthcare workers needing liability protection fast.

Do Amarillo insurance agencies offer same-day quotes?

Clifton Insurance Agency delivers same-day or 24-hour quotes for medical malpractice policies, and Texas Preferred Insurance offers same-day policy setup for standard auto and home coverage. Most agencies in Amarillo turn around quotes within a business day if you provide complete information up front, though multi-carrier shopping may take longer.

What should I ask when comparing insurance agencies in Amarillo?

Ask how many carriers they shop, whether they conduct coverage gap audits on your existing policies, and what their response time looks like for claims and policy changes. Request itemized quotes that show identical coverage limits across carriers so you compare rates honestly, and confirm they offer the contact methods you prefer, whether text, phone, or after-hours availability.

Which Amarillo agencies handle commercial insurance?

D3 Insurance Group, Cortez Insurance Agency, and Texas Preferred Insurance all write commercial policies across multiple business types. Texas Preferred handles clients running multiple businesses under one agency relationship, while D3 specializes in business property and liability coverage with thorough audits. Cortez offers commercial lines alongside personal coverage for owner-operators who want everything in one place.

How does Amarillo's weather affect homeowner insurance rates?

Amarillo's high-plains climate brings hailstorms, powerful winds, and sudden temperature swings that increase roof and exterior damage claims, pushing homeowner premiums higher than sheltered Texas markets. Agencies here understand the regional risk profile and can recommend wind and hail endorsements, roof age discounts, and deductible structures that balance coverage with affordability in a weather-volatile zone.

Can I bundle auto and home insurance in Amarillo?

Every agency on this list writes bundled auto and home policies, and customers consistently report better overall rates when bundling versus carrying separate carriers. Texas Preferred Insurance specializes in multi-property bundles that include rental coverage, while D3 Insurance Group and VIVA Insurance focus on finding the lowest bundled rate by shopping multiple carriers at once.

Which Amarillo insurance agency offers the best customer service?

D3 Insurance Group earns loyalty by knowing clients by name and catching coverage gaps that prior agents missed, while Texas Preferred Insurance builds long-term relationships with clients who return for decades. Cortez Insurance Agency offers text messaging and after-hours support for flexible communication, and VIVA Insurance delivers patient, no-pressure consultations that make switching carriers feel simple. The right fit depends on whether you value thoroughness, accessibility, or long-term relationship continuity.

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