How Much Does Long-Term Care Insurance Cost in Amarillo, TX?
Amarillo pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Amarillo's diversified economy.See our methodology
Long-Term Care Insurance Pricing in Amarillo, TX
Amarillo is one of the more affordable markets for long-term care insurance, with costs running about 18% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 200K-population metro area is straightforward.
Local climate plays a direct role in long-term care insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Amarillo: no state income tax in many Southern states helps keep overall costs lower.
Amarillo has moderate permitting requirements. Depending on the scope of your long-term care insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Amarillo vs National Average
What Affects Long-Term Care Insurance Cost in Amarillo?
Age
Age 50: $100-$200/month. Age 60: $200-$400/month. Age 70: $400-$800+/month
Coverage
$150/day for 3 years: $100-$250/month. $250/day for 5 years: $200-$500/month. Unlimited: $400-$800+/month
Amarillo Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
📐 Long-Term Care Insurance in Amarillo Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Long-Term Care Insurance Pros in Amarillo, TX
7 providersApex HVAC Solutions
🏆 SPONSOREDServing Amarillo and surrounding areas since 1999. Licensed, insured, and committed to quality workmanship at fair prices.
Elite Electrical
⭐ PREMIUMServing Amarillo and surrounding areas since 2001. Licensed, insured, and committed to quality workmanship at fair prices.
Summit Restoration
✅ VERIFIEDAre You a Long-Term Care Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for long-term care insurance in Amarillo, TX.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Long-Term Care Insurance in Amarillo
- 1.Buy in your 50s — premiums double every 10 years of delayed purchase
- 2.Couples discounts save 20-30%
- 3.Shared-care policies let couples share a pool of benefits
- 4.Hybrid life/LTC policies offer both death benefit and LTC coverage
📈 Long-Term Care Insurance in Amarillo Cost Trends (2020–2024)
Prices have increased +17.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $175 | — |
| 2021 | $182 | +4.0% |
| 2022 | $194 | +6.6% |
| 2023 | $199 | +2.6% |
| 2024 | $205 | +3.0% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Long-Term Care Insurance in Amarillo
Recent Reports
Frequently Asked Questions
At what age should I buy long-term care insurance?
The sweet spot is ages 55-65. Buying earlier means lower premiums but more years of paying. After 65, premiums increase dramatically and you may not qualify if health issues arise.
Why does long-term care insurance cost different in Amarillo than other cities?
Amarillo's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Long-Term Care Insurance Cost in Nearby Cities
Related Cost Guides for Amarillo
Popular Services in Amarillo
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.