Buy Cheap Killeen, TX Auto Insurance in 2024
Killeen, TX auto insurance rates average $281 a month. Minimum auto insurance requirements in Killeen, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Killeen, TX, compare Killeen auto insurance quotes from top companies.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Killeen, TX for teens drivers are $5,987/year
- The most expensive auto insurance company in Killeen is Allstate
- The most expensive auto insurance company in Killeen after a DUI is Allstate
Finding affordable Killeen, Texas auto insurance can be challenging, but everything you need to know to buy cheap Killeen, TX auto insurance with confidence is right here. Auto insurance rates in Killeen are affected by local factors as well as personal ones like your driving record.
See how Killeen, TX car insurance rates compare to Corpus Christi auto insurance rates, Plano auto insurance rates, and Arlington auto insurance rates before you read more about the cost of auto insurance in Killeen.
Don’t buy Killeen, TX auto insurance until you’ve compared rates. Get free Killeen, Texas auto insurance quotes when you enter your ZIP code above.
Killeen, TX Minimum Auto Insurance Requirements
The required auto insurance in Killeen, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Killeen, Texas is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Killeen, TX Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Killeen, TX. Take a look at Killeen, Texas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,312 | $4,640 | $3,975 |
| American Family | $5,885 | $3,710 | $3,249 |
| Geico | $4,176 | $2,380 | $1,600 |
| Nationwide | $3,636 | $2,930 | $2,553 |
| Progressive | $4,198 | $3,634 | $3,371 |
| State Farm | $3,791 | $2,362 | $1,883 |
| USAA | $3,232 | $1,870 | $1,506 |
Buy Cheap Killeen, TX Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Killeen, Texas auto insurance rates? Find out how car insurance rates in Killeen, TX are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,203 | $3,233 | $3,161 | $3,161 | $8,570 | $10,356 | $3,976 | $4,148 |
| American Family | $2,554 | $2,843 | $2,401 | $2,748 | $6,843 | $8,983 | $3,679 | $4,202 |
| Geico | $2,038 | $2,188 | $1,954 | $2,197 | $4,400 | $4,569 | $2,201 | $2,204 |
| Nationwide | $1,931 | $1,962 | $1,714 | $1,811 | $5,352 | $6,854 | $2,257 | $2,437 |
| Progressive | $2,003 | $1,916 | $1,788 | $1,821 | $8,294 | $9,248 | $2,378 | $2,426 |
| State Farm | $1,861 | $1,861 | $1,660 | $1,660 | $4,511 | $5,760 | $2,027 | $2,090 |
| USAA | $1,411 | $1,419 | $1,349 | $1,337 | $3,939 | $4,288 | $1,872 | $2,005 |
Buy Cheap Killeen, TX Auto Insurance for Teen Drivers
Auto insurance for teenagers in Killeen can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Killeen, TX are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,570 | $10,356 |
| American Family | $6,843 | $8,983 |
| Geico | $4,400 | $4,569 |
| Nationwide | $5,352 | $6,854 |
| Progressive | $8,294 | $9,248 |
| State Farm | $4,511 | $5,760 |
| USAA | $3,939 | $4,288 |
Buy Cheap Killeen, TX Auto Insurance for Seniors
You can save on senior auto insurance rates in Killeen, Texas by comparing Killeen senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Killeen, TX here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,161 | $3,161 |
| American Family | $2,401 | $2,748 |
| Geico | $1,954 | $2,197 |
| Nationwide | $1,714 | $1,811 |
| Progressive | $1,788 | $1,821 |
| State Farm | $1,660 | $1,660 |
| USAA | $1,349 | $1,337 |
Find Cheap Auto Insurance Rates in Killeen, TX by Coverage Level
The amount of coverage you choose is a big factor in the cost of Killeen, Texas auto insurance. Compare Killeen, TX auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,882 | $4,941 | $5,104 |
| American Family | $4,009 | $4,143 | $4,693 |
| Geico | $2,589 | $2,692 | $2,876 |
| Nationwide | $3,274 | $2,915 | $2,930 |
| Progressive | $3,588 | $3,721 | $3,895 |
| State Farm | $2,545 | $2,674 | $2,818 |
| USAA | $2,128 | $2,194 | $2,286 |
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Find Cheap Killeen, TX Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Killeen. Compare auto insurance rates in Killeen, TX by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,857 | $5,095 |
| American Family | $4,282 | $4,282 |
| Geico | $2,669 | $2,768 |
| Nationwide | $3,040 | $3,040 |
| Progressive | $3,734 | $3,734 |
| State Farm | $2,679 | $2,679 |
| USAA | $2,175 | $2,230 |
Find Cheap Killeen, TX Auto Insurance Rates by ZIP Code
Auto insurance rates in Killeen, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Killeen, TX to see how much where you live in Killeen affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 76541 | $4,994 |
| 76542 | $4,991 |
| 76543 | $4,849 |
| 76549 | $5,062 |
Find Cheap Killeen, TX Auto Insurance Rates by Driving Record
Auto insurance rates in Killeen, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Killeen, TX, take a look at the average cost for various violations versus rates for a clean driving record in Killeen.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,854 | $5,959 | $6,237 | $3,854 |
| American Family | $3,900 | $4,970 | $4,356 | $3,900 |
| Geico | $2,313 | $3,039 | $2,556 | $2,968 |
| Nationwide | $2,645 | $2,645 | $3,889 | $2,979 |
| Progressive | $3,265 | $4,200 | $3,801 | $3,672 |
| State Farm | $2,375 | $2,731 | $3,234 | $2,375 |
| USAA | $1,646 | $2,426 | $2,851 | $1,887 |
Find Cheap Killeen, TX Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Killeen, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Killeen for less when you shop around and compare rates from multiple Killeen, TX auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,237 |
| American Family | $4,356 |
| Geico | $2,556 |
| Nationwide | $3,889 |
| Progressive | $3,801 |
| State Farm | $3,234 |
| USAA | $2,851 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Killeen, TX
Compare rates from the cheapest auto insurance companies in Killeen, TX for your needs. Take a look at how Killeen, Texas auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Find Cheap Killeen, Texas Auto Insurance Companies
If you’re looking for the cheapest Killeen, TX auto insurance companies overall, you can compare them here. Find the best price for Killeen, Texas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,976 |
| American Family | $4,282 |
| Geico | $2,719 |
| Nationwide | $3,040 |
| Progressive | $3,734 |
| State Farm | $2,679 |
| USAA | $2,202 |
What affects Killeen, Texas auto insurance rates?
Local factors affect auto insurance rates in Killeen, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Killeen auto insurance rates.
Auto Theft in Killeen
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Killeen, TX auto theft show a total of 249 vehicle thefts annually.
Commute Times in Killeen
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Killeen, TX is 21.9 minutes according to City-Data.
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Compare Auto Insurance Quotes in Killeen, TX
You can buy cheap Killeen, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Killeen, Texas auto insurance quotes from top companies.
Frequently Asked Questions
How can I buy cheap auto insurance in Killeen, TX in 2023?
To buy cheap auto insurance in Killeen, TX in 2023, consider the following steps:
- Shop around and compare quotes from different insurance companies.
- Maintain a clean driving record and avoid traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Bundle your auto insurance with other policies, such as home or renters insurance, to avail of multi-policy discounts.
- Install safety features in your vehicle, like anti-theft devices or airbags, which may qualify you for discounts.
- Consider usage-based insurance, where your premium is based on your driving habits.
What factors affect auto insurance rates in Killeen, TX?
Several factors influence auto insurance rates in Killeen, TX, including:
- Your driving record: Accidents, violations, and previous claims can impact your rates.
- Vehicle make and model: The type of car you drive affects insurance premiums.
- Age and gender: Younger drivers often face higher rates, as do males statistically.
- Coverage limits and deductibles: Higher coverage limits and lower deductibles usually result in higher premiums.
- Credit history: In some states, insurance companies may consider credit history when determining rates.
- Location: Factors like crime rate, traffic density, and frequency of accidents in your area can impact premiums.
Are there any pros to buying cheap auto insurance in Killeen, TX in 2023?
Pros of buying cheap auto insurance may include:
- Lower monthly premiums, which can be more affordable for budget-conscious individuals.
- Basic coverage for meeting legal requirements, such as liability coverage.
- Access to essential benefits like medical payments or uninsured/underinsured motorist coverage.
- Opportunity to save money in the short term.
Are there any cons to buying cheap auto insurance in Killeen, TX in 2023?
Cons of buying cheap auto insurance may include:
- Limited coverage options: Cheap insurance policies often have minimal coverage, which may leave you exposed to financial risks.
- Higher out-of-pocket costs: Cheap policies typically have higher deductibles and lower coverage limits, meaning you’ll have to pay more in case of an accident or claim.
- Limited customer service: Cheaper insurance companies may not offer the same level of customer service or claims support as more established providers.
- Potential for inadequate claims handling: Some cheap insurance companies may be less responsive or may delay claim settlements.
What should I consider besides price when buying auto insurance in Killeen, TX?
While price is an important factor, it’s also crucial to consider other aspects when buying auto insurance in Killeen, TX. These factors include:
- Coverage options: Evaluate the types of coverage offered and ensure they meet your needs. Consider factors such as liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
- Customer service and claims handling: Research the reputation of the insurance company for customer service and claims processing. Read reviews and check customer satisfaction ratings to gauge their reliability.
- Financial stability: Verify the financial strength of the insurance company. Look for ratings from independent rating agencies to assess their ability to pay claims.
- Discounts and benefits: Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for specific safety features in your vehicle. Also, check for additional benefits like roadside assistance or rental car coverage.
- Policy terms and conditions: Carefully review the policy terms, conditions, and any exclusions. Understand the coverage limits, deductibles, and any limitations that may affect your claims.
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Cynthia Lanctot
Licensed Agent
Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.
Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.