120+ more*Quotes generated for Insurify users in and around Abilene, Texas within the last 10 days. Last updated on March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Abilene, Texas within the last 10 days. Last updated on March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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Car insurance in Abilene costs an average of $117 per month for liability insurance and $208 per month for full coverage. That’s usually lower than rates in most larger Texas cities, like Lubbock or Dallas.
Abilene has a population of about 130,000, compared to Dallas’ population of 1.3 million and Lubbock’s population of about 270,000.[1] [2] [3] Large cities tend to have higher premiums due to heavier traffic and a higher risk of accidents and vehicle theft.
Abilene drivers also typically have shorter commutes than Dallas drivers, which means fewer opportunities to get in an accident.
State Farm offers the cheapest liability coverage in Abilene, with monthly rates averaging $46.
Liability-only coverage is usually the cheapest option for car insurance in Texas. It’s the minimum amount of coverage you need to legally drive in the state. It’s a good option if you have an older, paid-off vehicle that you can afford to repair yourself.
Like most states, Texas has minimum car insurance requirements that all drivers must meet. Here are Texas’ car insurance requirements:[4]
$30,000 per person of bodily injury liability coverage
$60,000 per accident of bodily injury liability coverage
$25,000 of property damage liability coverage
If you want to shop around and compare your insurance options, the following table shows Abilene’s cheapest insurers for liability car insurance, according to Insurify data.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| Mile Auto | $59 |
| Progressive | $64 |
| Allstate | $65 |
| GEICO | $76 |
| USAA | $82 |
| Mercury | $89 |
| Dairyland | $97 |
| Root | $97 |
| The General | $98 |
| Commonwealth Casualty | $98 |
| Bristol West | $100 |
| GAINSCO | $102 |
| Nationwide | $103 |
| AssuranceAmerica | $107 |
| Clearcover | $108 |
| Sun Coast | $110 |
| Safeco | $113 |
| Direct Auto | $116 |
| National General | $116 |
| Elephant | $120 |
| Chubb | $140 |
| 21st Century | $161 |
| Liberty Mutual | $210 |
Pay your first week’s premium and get immediate proof of insurance
Abilene is at risk for severe weather, including extreme heat, flash flooding, and wildfires. Liability insurance won’t protect your vehicle from weather-related damages, which is why many drivers choose full-coverage car insurance.
Full coverage is more expensive than liability-only insurance, but you still have ways to save. State Farm is the cheapest insurer for full coverage, and the following table outlines the best companies for cheap full-coverage car insurance in Abilene.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $81 |
| Progressive | $109 |
| Allstate | $113 |
| Mile Auto | $124 |
| Mercury | $136 |
| USAA | $144 |
| GEICO | $144 |
| Root | $167 |
| Safeco | $171 |
| Clearcover | $176 |
| Direct Auto | $179 |
| Nationwide | $180 |
| Elephant | $189 |
| The General | $191 |
| Bristol West | $199 |
| National General | $199 |
| GAINSCO | $205 |
| Sun Coast | $209 |
| AssuranceAmerica | $220 |
| Commonwealth Casualty | $230 |
| Chubb | $244 |
| Liberty Mutual | $271 |
| Dairyland | $275 |
| 21st Century | $282 |
Car insurance in Texas can be expensive, but Abilene’s insurance costs fall below the Texas average. The city’s average rates are significantly lower than those in cities like Dallas or Houston, likely due to their higher population densities.
Dallas County also has one of the highest rates of vehicle thefts in the U.S., with 7,109 thefts in the first half of 2025. In comparison, Abilene is in Taylor County, which had just 111 thefts during that same time period. The following table shows the average rates for different Texas cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Abilene | $133 |
| Amarillo | $155 |
| Arlington | $171 |
| Austin | $169 |
| Beaumont | $174 |
| Brownsville | $161 |
| Corpus Christi | $167 |
| Dallas | $187 |
| Denton | $157 |
| El Paso | $147 |
| Fort Worth | $165 |
| Galveston | $163 |
| Garland | $183 |
| Grand Prairie | $177 |
| Houston | $220 |
| Huntsville | $150 |
| Irving | $175 |
| Killeen | $150 |
| Laredo | $164 |
| Lubbock | $157 |
| McAllen | $177 |
| Mesquite | $189 |
| Midland | $155 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
*Quotes generated for Insurify users in and around Abilene, Texas within the last 10 days. Last updated on March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Abilene, Texas within the last 10 days. Last updated on March 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Abilene drivers with a clean record typically pay the lowest rates. That said, some insurers cater to people with a history of driving-related incidents.
Below are the cheapest insurers for different types of driving profiles, according to Insurify data.
Cheapest car insurance for Abilene drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Abilene: State Farm
Cheapest car insurance for Abilene drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Abilene: State Farm
In Abilene, 4% of drivers have a ticket on their record, 5% have an at-fault accident, and 1% have a driving under the influence (DUI) conviction, according to Insurify data. Because Texas is an at-fault state, high-risk incidents like these can significantly raise your premiums.
DUI enforcement in Taylor County is also taken seriously, and a first offense could result in a $2,000 fine, 180 days in jail, and losing your license for one year.[5]
The table below shows average rates for Abilene drivers by driving record, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $133 |
| Speeding ticket | $166 |
| At-fault accident | $175 |
| DUI | $182 |
Driving in Abilene tends to be easier than in larger Texas metros, thanks to the city’s lighter traffic and shorter commute times. But drivers should still be aware of local risks.
West Texas frequently experiences severe thunderstorms and hail, which can damage vehicles and create hazardous road conditions. Abilene’s semi-rural surroundings also increase the likelihood of colliding with an animal on highways outside the city — especially at dawn and dusk.
And roughly 14% of Texas drivers are uninsured, so a driver who doesn’t have adequate car insurance could hit you.[6] Because Texas is an at-fault state, make sure you have adequate coverage limits and uninsured motorist coverage.
Traffic in Abilene tends to be lighter than in large Texas cities, though the city is a regional hub to several key highways. For example, Interstate 20 connects the city to Dallas and El Paso. U.S. Highways 83 and 84 also tend to have more traffic.
The average commute in Abilene is just 15 minutes, which is much lower than in most Texas cities. Shorter commutes reduce your risk of congestion-related crashes. But you could still encounter heavy traffic during peak hours along I-20 and Loop 322, especially near Dyess Air Force Base.
In Texas, teens can receive a provisional license at ages 16 and 17. With a provisional license, you can’t drive between midnight and 5 a.m., unless it’s for work, school, or an emergency. You’re also can’t drive with more than one passenger younger than 21, unless it’s a family member.[7]
State Farm is the cheapest insurer for teen drivers in Abilene, with a monthly liability rate of $93.
The following table shows the cheapest rates for teenage drivers in Abilene, according to Insurify data.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $93 |
| Progressive | $126 |
| Mile Auto | $126 |
| Allstate | $134 |
| GEICO | $142 |
| USAA | $158 |
| Mercury | $172 |
| Dairyland | $174 |
| Root | $175 |
| The General | $179 |
| Clearcover | $186 |
| Bristol West | $186 |
| Commonwealth Casualty | $190 |
| GAINSCO | $194 |
| Nationwide | $210 |
| Sun Coast | $217 |
| Elephant | $222 |
| AssuranceAmerica | $231 |
| Direct Auto | $232 |
| Safeco | $237 |
| National General | $244 |
| Chubb | $301 |
| 21st Century | $303 |
| Liberty Mutual | $387 |
Seniors age 65 and older make up nearly 14% of Abilene’s population, according to U.S. Census Bureau data.[8]
State Farm is the cheapest insurer for senior drivers in Abilene, with liability rates averaging $36 per month.
The table below shows the companies with the cheapest rates for senior drivers in Abilene, according to Insurify data.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Mile Auto | $46 |
| Allstate | $52 |
| Progressive | $54 |
| GEICO | $60 |
| USAA | $66 |
| Mercury | $70 |
| Nationwide | $78 |
| Commonwealth Casualty | $78 |
| Root | $80 |
| Dairyland | $81 |
| The General | $82 |
| AssuranceAmerica | $83 |
| Bristol West | $83 |
| GAINSCO | $86 |
| National General | $90 |
| Direct Auto | $93 |
| Clearcover | $94 |
| Sun Coast | $94 |
| Elephant | $98 |
| Safeco | $98 |
| Chubb | $105 |
| 21st Century | $126 |
| Liberty Mutual | $174 |
Compare rates starting at $46/mo.
Below, we answered some common questions about finding cheap Abilene car insurance.
Drivers in Abilene pay an average of $89 per month for car insurance, Insurify data shows. Liability-only coverage costs an average of $89 per month, and full coverage averages $177. But your exact rates will vary depending on factors like your driving history, age, and ZIP code.
State Farm has the cheapest car insurance in Abilene, with rates at $46 per month. But you should compare quotes from at least three different insurers to find the cheapest rates and best coverage for you.
It depends. GEICO, Allstate, and USAA are some of the best car insurance companies in Abilene, according to Insurify data. But the best car insurance company will vary depending on your coverage needs and driving profile.
Car insurance companies consider many different factors when determining your premium. Your driving record, age, and credit history can all affect your rates. Local risks like hailstorms, theft rates, and accident frequency can also influence how much you pay for car insurance.
You have a few ways to lower your car insurance in Abilene. Comparing quotes from multiple insurers, increasing your deductible, and maintaining a clean driving record can help you get lower rates. Many insurers also offer a variety of discounts, including savings for bundling your auto coverage with homeowners, renters, or life insurance.
Yes. Many insurers offer discounts in Abilene. Common discounts include bundling your auto and home insurance policies, installing safety features, and completing a defensive driving course.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Featured in
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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