Cheapest Auto Insurance in Abilene, Texas (2024)

State Farm is the cheapest auto insurer in Abilene, Texas, with an average liability rate of $31 a month.

Jess Ullrich
Written byJess Ullrich
Jess Ullrich
Jess UllrichInsurance Writer
  • 10+ years writing insurance and personal finance topics

  • Former associate finance editor for Investopedia

Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 23, 2024

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Cheapest recent rates near Abilene, Texas

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $59/mo for full coverage in Abilene and other Texas cities.

*Quotes generated for Insurify users in and around Abilene, Texas within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you want to live in a Texas city with affordable car insurance rates, Abilene is worth considering. Drivers in Abilene pay an average of $152 per month for car insurance, which is lower than the average cost of an auto policy in other Texas cities.

Abilene has a relatively small population — 127,000 people — compared to other Texas cities, which can contribute to its comparatively cheaper car insurance rates.[1] Here’s what you need to know about finding the cheapest car insurance rates in Abilene, Texas.

Quick Facts
  • State Farm, GEICO, and Allstate are the three cheapest car insurers for Abilene drivers.

  • Abilene had 2,924 accidents in 2022, resulting in 24 fatalities, according to Texas Department of Transportation data.

  • Car insurance companies in Texas can use your credit information to determine your rates.[2]

3 of the cheapest car insurance companies in Abilene

While State Farm offers the cheapest car insurance on average for drivers in Abilene, that doesn’t necessarily mean it’s the best option for every driver. The right car insurance company will depend on your unique situation and needs, so it’s a good idea to compare coverage and obtain quotes before choosing an insurer.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Quote: Full CoverageAverage Quote: Liability OnlyBest for
State Farm4.6$64$38Affordable coverage
USAA4.7$113$68U.S. military members
Mile Auto3.7$111$54Low-mileage drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for affordable coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$31/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$53/mo

Compared to other popular auto insurance companies, State Farm offers cheap car insurance for Abilene drivers. Customers can also take advantage of plenty of its customizable coverage options.

In addition to offering cheap insurance in Abilene, State Farm also provides a variety of discounts. Policyholders can benefit from safe driving, multi-car, bundling, anti-theft discounts, and more. Drivers younger than 25 can also get involved in State Farm’s Steer Clear driving program to access lower insurance rates.

Pros
  • Low rates compared to competitors

  • Several discounts available

  • Above-average J.D. Power customer satisfaction rating in Texas

Cons
  • Can’t buy a policy online

  • Discounts may vary depending on location

  • Gap insurance not available

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for U.S. military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$93/mo

Abilene is home to Dyess Air Force Base and more than 8,000 military personnel. Service members seeking a new auto insurance policy can find affordable coverage with USAA. Since its founding in 1922, this insurance company has provided policies to people affiliated with the U.S. military.

USAA also offers special discounts for military members that could lower your insurance rates, including a 15% on-base discount for eligible drivers.

Pros
  • Several discounts available

  • Above-average J.D. Power customer satisfaction rating in Texas

  • A+ (Excellent) AM Best rating signals financial stability

Cons
  • Doesn’t offer gap insurance

  • Only available to people affiliated with U.S. military

  • Not the cheapest coverage option

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo

Auto insurance companies often charge the same rates no matter how often you drive, but Mile Auto works differently. Rather than paying a standard rate, Mile Auto customers pay per mile each month.

Mile Auto charges a flat monthly rate, regardless of how much you drive, plus a per-mile rate that it adds at the end of the month. If you work from home in Abilene or simply don’t drive frequently, this car insurance company could be a smart option.

Pros
  • Relatively cheap coverage

  • Doesn’t require an in-car device

  • High AM Best rating

Cons
  • Not designed for high-mileage drivers

  • No advertised discounts

  • No mobile app available

How to get the cheapest car insurance in Abilene

The best way to find affordable car insurance in Abilene is to compare quotes from different insurers. Remember that insurance companies consider several things when determining your rates, including your driving record, location, age, gender, credit history, and more.[3]

In addition to comparing quotes, here are some tips for finding cheap car insurance in Abilene:

  • Research available discounts. Many auto insurance companies advertise discounts, but make sure you can qualify for them before purchasing a policy.

  • Opt for a higher deductible. Ask your insurer about increasing your deductible to reduce your monthly premiums. Just remember that if you file a claim, you’ll pay a larger amount before your insurance kicks in.

  • Improve your credit. Since insurance companies in Texas can consider your credit score when determining rates, improving your credit could help you secure the lowest rates.

Find Cheap Car Insurance in Abilene, Texas

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Cheapest liability-only car insurance in Abilene: State Farm

Property damage and bodily injury liability insurance protect you if you’re responsible for damaging someone’s property or injuring another driver or their passengers in an accident. On average, Abilene drivers pay $94 a month for liability coverage in the city. Because liability insurance is the bare-minimum coverage you can purchase, it’s usually your cheapest option.

Here’s a look at which insurance companies offer affordable liability-only coverage in Abilene.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm31
GEICO35
Allstate44
Mile Auto44
Hugo46
USAA56
Safeco67
Nationwide71
Mercury74
Midvale Home & Auto81
Progressive81
Dairyland85
Clearcover91
Chubb95
National General99
Liberty Mutual104
Elephant105
Direct Auto108
21st Century110
Commonwealth Casualty111
The General117
GAINSCO127
Bristol West131
State Auto146
AssuranceAmerica147
Infinity157
Hallmark174
Foremost179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Abilene: State Farm

A full-coverage car insurance policy includes property damage and bodily injury liability, and it includes other coverages as well. Full-coverage insurance typically includes collision and comprehensive insurance, which cover damages to your vehicle, regardless of fault. The average cost of full-coverage car insurance in Abilene is $210 a month.

These companies offer the cheapest full-coverage insurance in Abilene.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm53
GEICO57
Allstate74
Mile Auto92
USAA93
Clearcover117
Hugo118
Mercury118
Nationwide134
Safeco140
Progressive141
Midvale Home & Auto144
Chubb159
Elephant176
21st Century183
AssuranceAmerica196
Liberty Mutual216
Direct Auto219
National General219
Dairyland221
Infinity245
The General245
Bristol West260
State Auto265
GAINSCO276
Commonwealth Casualty289
Foremost366
Hallmark379
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Texas

Texas requires all drivers to carry minimum car insurance liability limits, and the state is a tort, or at-fault, state. This means that the driver found at fault in an accident is responsible for paying for any damages to other vehicles or injuries to other parties. Drivers who aren’t at fault don’t need to file claims with their own insurance companies.

Here’s a look at the minimum coverage requirements in Texas:[4]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

While you can drive legally in Texas with just state-minimum liability insurance, it may not offer enough protection for everyone. Here are some additional coverages you can consider adding to your Abilene car insurance policy:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damage to your car due to a motor vehicle accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damage to your vehicle due to non-collision events, such as natural disasters, severe weather events, fire, theft, or burglary.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damage to your vehicle and medical expenses if you’re involved in a crash with someone who doesn’t have adequate car insurance.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    Personal injury protection (PIP) coverage pays for your medical care, lost wages, and other essential expenses, such as child care, if you’re injured in a motor vehicle accident. Car insurance policies in Texas include this coverage, but you can waive it with a written letter to your insurer.

Cheapest car insurance for drivers with an incident

If you’re a driver in Abilene with an incident on your record, your insurance company may deem you a high risk to insure. Incidents can include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Because of the higher risk associated with a poor driving record, these drivers tend to pay more for car insurance.

Shop for Car Insurance in Abilene, TX

Rates start at $39 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

While you want to get from Point A to Point B quickly, it’s wise to obey the posted speed limits in Abilene. A single speeding ticket can hike your insurance rates, and multiple tickets may result in even higher costs. Drivers in Abilene with a speeding ticket on their record pay an average of $218 a month for car insurance.

Here’s how insurance quotes can increase among insurance companies when you get a speeding ticket.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3140
GEICO3545
Allstate4457
Mile Auto4461
Hugo4663
USAA5673
Safeco6788
Nationwide7193
Mercury74103
Midvale Home & Auto81109
Progressive81105
Dairyland85111
Clearcover91119
Chubb95125
National General99142
Liberty Mutual104149
Elephant105150
Direct Auto108142
21st Century110147
Commonwealth Casualty111159
The General117154
GAINSCO127182
Bristol West131169
State Auto146206
AssuranceAmerica147195
Infinity157212
Hallmark174226
Foremost179256
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

In 2022, Abilene reported more than 2,000 motor vehicle crashes.[5] Like speeding tickets, at-fault accidents also affect the cost of your car insurance. Drivers with one or more at-fault accidents are often deemed a higher risk to insure, resulting in higher insurance costs.

The average cost of car insurance for drivers in Abilene with an at-fault record is $232 a month, but you may be able to find cheaper rates if you shop around and commit to driving safely.

Here’s a look at how average quotes compare for drivers with a clean record versus an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3143
GEICO3548
Allstate4461
Mile Auto4466
Hugo4662
USAA5677
Safeco6790
Nationwide7199
Mercury74108
Midvale Home & Auto81118
Progressive81114
Dairyland85117
Clearcover91133
Chubb95132
National General99136
Liberty Mutual104156
Elephant105143
Direct Auto108152
21st Century110155
Commonwealth Casualty111151
The General117165
GAINSCO127170
Bristol West131178
State Auto146222
AssuranceAmerica147204
Infinity157214
Hallmark174233
Foremost179269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Drivers in Abilene with past DUIs also pay higher car insurance rates. Insurance companies view drivers with DUIs on their records as high-risk and more likely to cause accidents and file claims. Abilene drivers with DUIs on their driving records pay an average of $263 a month for car insurance.

Here’s how insurance quotes compare with a clean driving record versus with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3153
GEICO3560
Allstate4475
Mile Auto4468
Hugo4678
USAA5695
Safeco67114
Nationwide71121
Mercury74114
Midvale Home & Auto81138
Progressive81138
Dairyland85145
Clearcover91155
Chubb95162
National General99169
Liberty Mutual104177
Elephant105179
Direct Auto108184
21st Century110187
Commonwealth Casualty111189
The General117199
GAINSCO127216
Bristol West131223
State Auto146249
AssuranceAmerica147250
Infinity157267
Hallmark174296
Foremost179305
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Insurance rates are generally the lowest for drivers ages 35 to 75. While drivers in their 30s and 40s tend to pay the cheapest rates, senior drivers pay a little bit more because of their increased mortality rates and decreased physical capabilities.[6] The average cost of car insurance for Abilene senior drivers is $110 a month.

Here are the cheapest car insurance companies for senior drivers in Abilene.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm3822
GEICO4226
Allstate5533
Mile Auto6531
USAA6942
Hugo7830
Mercury8352
Clearcover8768
Nationwide9349
Progressive9454
Midvale Home & Auto10257
Safeco10550
Chubb10965
21st Century12777
Elephant12977
AssuranceAmerica138104
Direct Auto15777
Liberty Mutual15976
National General16474
Dairyland16564
Infinity172110
The General18890
State Auto190105
Bristol West19498
GAINSCO21097
Commonwealth Casualty21482
Foremost266130
Hallmark268123
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Insurance rates for young drivers skew much higher than those for adults. That’s because auto insurers view teens’ inexperience on the road as a potential risk. Teen drivers in Abilene pay an average of $261 a month for car insurance.

Here are a few things you can do if you’re a teen driver seeking affordable car insurance in Abilene:

  • Stay on your parents’ insurance. Car insurance coverage is often less expensive if you stay on your parents’ insurance rather than purchasing your own policy.

  • Drive an older, reliable car. Choosing a safe, older car is another way to keep your costs down, as many car insurance companies offer lower insurance rates when vehicles have certain safety features and are lower in value.

  • Get good grades. Many insurers offer good student discounts if you maintain good grades.

Here are some of the most affordable car insurance options in Abilene for teen drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO8754
State Farm8751
Allstate12675
USAA15091
Mile Auto17483
Hugo20178
Mercury210131
Clearcover222173
Nationwide223118
Midvale Home & Auto245138
Progressive249143
Elephant283169
Chubb286171
Safeco287137
21st Century297179
AssuranceAmerica355266
Dairyland361139
The General386185
Direct Auto390192
Liberty Mutual393189
National General399180
Bristol West432218
Infinity438281
State Auto458252
GAINSCO482222
Commonwealth Casualty500192
Foremost632309
Hallmark657302
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance for Teens in Abilene

Teen drivers pay an average of $161 for a liability policy

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Abilene car insurance quotes by credit tier

Insurance companies in Texas can consider your credit history when determining your insurance rates.[2] Drivers with excellent or good credit scores generally pay lower car insurance rates than drivers with poor credit scores, though insurers in Texas are prohibited from relying solely on your credit to determine costs.

Here are the average car insurance costs in Abilene, based on credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Abilene?

Texas has relatively high auto insurance rates compared to the national average. But coverage is relatively affordable in Abilene compared to the rest of the state. It costs an average of $185 a month to insure a car in Texas, but only $152 per month on average in Abilene.

Insurance rates can vary within ZIP codes based on a city’s population, population density, crime rate, and other factors. Because Abilene is a smaller town far from major metropolitan areas, it tends to have cheaper car insurance rates than other cities.

More cities in Texas

Here’s how the average cost of car insurance in Abilene compares to costs in other Texas cities.

CityFull CoverageLiability Only
Amarillo$250$104
Arlington$254$126
Austin$254$126
Beaumont$274$140
Corpus Christi$231$122
Dallas$284$137
El Paso$219$93
Fort Worth$245$123
Irving$272$132
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Abilene car insurance FAQs

Learn how to shop for car insurance quotes, and check out Insurify’s answers to common questions about auto coverage in Abilene below.

  • How much is car insurance in Abilene?

    The average cost of car insurance in Abilene is $94 a month for liability-only coverage and $210 a month for full coverage.

  • What company has the cheapest car insurance in Abilene?

    The cheapest car insurance companies in Abilene are State Farm and GEICO, with average liability-only rates of $31 and $35 a month, respectively. But one of the best ways to find the cheapest car insurance for your unique driver profile is to shop with different companies and compare quotes.

  • What are the best car insurance companies in Abilene?

    Among the best car insurance companies in Abilene are State Farm, USAA, and Mile Auto. These insurers have comparatively cheap car insurance rates, high customer satisfaction ratings, and solid Insurify Quality Scores.

  • How much is car insurance per month in Texas?

    The average cost of car insurance in Texas is $251 a month for full coverage and $119 a month for liability coverage.

  • What is the bare-minimum car insurance in Texas?

    Texas requires drivers to purchase 30/60/25 liability coverage to drive. These limits translate into $30,000 per person and $60,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[4]

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts: Lubbock city, Texas; Dallas city, Texas; Abilene city, Texas."
  2. Texas Department of Insurance. "Credit Scoring and Insurance."
  3. III. "What determines the price of an auto insurance policy?."
  4. Texas Department of Insurance. "Auto insurance guide."
  5. Texas Department of Transportation. "Crashes and Injuries Cities and Towns: 2022."
  6. III. "Senior driving safety and insurance tips."
Jess Ullrich
Jess UllrichInsurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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