Cheapest Auto Insurance in Killeen, Texas (2024)
State Farm offers the cheapest car insurance in Killeen, with liability policies starting at $33 per month.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney 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.
Featured in
){kind=small}
){kind=small}
Updated November 20, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
If you want to legally and safely hit the open road in Killeen, Texas, know that the average cost of car insurance in the city is $160 per month. This is more expensive than the national average auto insurance premium of $154 per month.
Insurance companies take factors like an area’s accident, vehicle theft, and severe weather rates into consideration when determining how risky it is to insure a driver.[1] Killeen’s number of car thefts is on par with nearby Waco’s and higher than many other neighboring cities’ reported numbers.[2] This could contribute to the city’s higher-than-average car insurance premiums.
Quick Facts
The average cost of car insurance in Killeen is $105 per month for liability only and $215 per month for full coverage.
State Farm, GEICO, and Allstate are the cheapest auto insurers in Killeen.
Texas requires 30/60/25 minimum liability insurance.
Cheapest car insurance companies in Killeen
When looking for a new car insurance policy, you want to balance affordability with the right amount of coverage for your needs. You also want to look for a car insurance company that has strong customer reviews and offers the key features you want.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Discounts |
| GEICO | 9.0 | $75 | $40 | Bundling |
| Mile Auto | 7.5 | $116 | $57 | Low-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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $33/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. | $61/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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).
A++Why we picked this company
Finding ways to save on car insurance is crucial amid rising prices. Not only does State Farm offer one of the lowest average auto insurance premiums in Killeen, but this car insurance company also gives customers the chance to save if they can qualify for one or more of its many different discounts. For example, if your car has anti-theft features, like an alarm system, you can save on your policy. If you insure multiple drivers in your family, you can also save by using State Farm for all your policies.
Pros
Above-average J.D. Power customer satisfaction ranking in Texas
Plenty of discounts available
Cons
No gap insurance
Can’t purchase a policy online
Best insurer for bundling: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $35/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. | $66/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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).
A++Why we picked this company
With GEICO, you can save when you bundle your auto insurance policy with renters insurance, home insurance, condo insurance, or motorhome insurance. GEICO also offers a highly rated mobile app that makes it easy to manage and view your policy on the go.
Pros
Highly rated mobile app
Above-average J.D. Power claims satisfaction rating
Cons
No rideshare insurance for Uber and Lyft drivers
Gap insurance not available
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| 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. | $50/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. | $103/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Staying home can help you save on your car insurance if you sign up for a pay-per-mile policy, whether you work from home, are in retirement, or are a student with low average mileage. Mile Auto offers pay-per-mile car insurance for low-mileage drivers, and it doesn’t require an in-car telematics device — you just have to send in a photo of your vehicle’s odometer every month.
Pros
Cheap rates for low-mileage drivers
Doesn’t require a telematics device
Cons
Road trips and long drives may be expensive
No mobile app
How to get the cheapest car insurance in Killeen
Getting cheap car insurance is important for many people’s wallets, but it takes a little effort on your part to find affordable rates. Here’s how to find cheap car insurance in Killeen:
Bundle insurance policies. Consider consolidating your insurance needs by finding an insurance company that offers both car and homeowners insurance or renters. Many companies apply bundling discounts to customers with multiple policies, like auto insurance, renters insurance, homeowners insurance, and life insurance.
Shop for deals. Take the time to research and compare quotes from various insurance companies. This will help you identify the most affordable policy that also meets your coverage requirements.
Ask about discounts. It’s always a good idea to ask about available discounts from your insurance company. Insurers often offer discounts for taking a defensive driving class, opting into paperless billing, and getting good grades. Maximizing these discounts can lead to substantial savings on your premiums.
Find Cheap Car Insurance in Killeen, Texas
Liability rates start at $33 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Killeen: State Farm
Liability car insurance pays for injuries and property damage you cause in an at-fault accident, but it doesn’t cover your own car repairs or injuries. This cost-effective policy is usually a better fit for older, less valuable cars.
The cheapest insurer for liability-only car insurance in Killeen is State Farm, with an average cost of $33 per month. The table below shows the insurance companies with the cheapest liability-only car insurance policies in Killeen.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $33 |
| GEICO | $35 |
| Allstate | $47 |
| Mile Auto | $50 |
| USAA | $58 |
| Nationwide | $74 |
| Mercury | $77 |
| Progressive | $89 |
| Safeco | $90 |
| Dairyland | $95 |
| Chubb | $100 |
| Clearcover | $110 |
| National General | $110 |
| 21st Century | $115 |
| Direct Auto | $116 |
| The General | $116 |
| Bristol West | $120 |
| Commonwealth Casualty | $121 |
| Elephant | $128 |
| GAINSCO | $148 |
| Liberty Mutual | $176 |
| Foremost | $198 |
| State Auto | $221 |
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 Killeen: State Farm
Liability-only car insurance covers damages to others after accidents you’re responsible for, excluding your own vehicle. Full-coverage car insurance, on the other hand, includes liability coverage but also protects your car from theft, damage, and natural disasters. Full coverage suits drivers with newer, more expensive cars, as it can cover various situations.
Drivers in Killeen pay an average of $215 per month for full-coverage car insurance, and the following table shows which insurance companies offer the cheapest average quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $61 |
| GEICO | $66 |
| Allstate | $86 |
| Mile Auto | $103 |
| USAA | $109 |
| Mercury | $132 |
| Nationwide | $136 |
| Progressive | $155 |
| Safeco | $160 |
| Clearcover | $164 |
| Chubb | $184 |
| Elephant | $210 |
| 21st Century | $213 |
| Direct Auto | $222 |
| National General | $226 |
| Dairyland | $248 |
| The General | $253 |
| Bristol West | $256 |
| Liberty Mutual | $290 |
| GAINSCO | $314 |
| Commonwealth Casualty | $334 |
| State Auto | $408 |
| Foremost | $421 |
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 recent rates near Killeen, Texas
Recent Killeen, Texas car insurance prices for Ford, KIA, Jeep , and more.
*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Liability car insurance is a legal requirement in most states, including Texas. As an at-fault state, Texas requires drivers to maintain a specific level of liability insurance that covers damage and medical expenses for other drivers in accidents they’re responsible for. Texas liability policies also include personal injury protection, but drivers can waive this coverage in writing.
These are the minimum coverage limits drivers need to meet in Texas:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Although the minimum coverages listed above are mandatory, you can expand your auto insurance policy with the following options:
Comprehensive coverage
Comprehensive coverage pays for damages from non-collision incidents, including fire, vandalism, theft, falling objects, and natural disasters.
Collision coverage
Collision coverage compensates for damages resulting from collisions, whether you’re at fault or not.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage kicks in when an uninsured or underinsured driver causes an accident, covering your damages and injuries.
Gap coverage
If you financed or leased your vehicle, gap insurance bridges the financial gap between your auto loan balance and the insurance settlement in case of a total loss.
Glass coverage
This includes coverage for windshield and glass damage and may even offer no-deductible protection for side windows, rear windows, and glass sunroofs.
Cheapest car insurance for drivers with an incident
When it comes to finding budget-friendly car insurance for drivers with incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) events, and other moving violations, it’s crucial to understand why they lead to rate hikes. Auto insurance companies see these drivers as riskier and more prone to accidents, prompting increased rates to offset potential claims.
Shop for Car Insurance in Killeen, TX
Drivers with an incident pay an average of $135 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Auto insurance rates often get more expensive after a speeding ticket because insurance companies view it as a sign of increased risk. Speeding indicates a disregard for traffic laws and a higher likelihood of accidents. To mitigate this added risk, car insurance companies adjust your rates, resulting in higher premiums. Accumulating multiple tickets or more severe violations can lead to even more substantial rate hikes.
The average cost of car insurance for Killeen drivers with a speeding ticket is $218 per month. The table below highlights which auto insurers have the cheapest quotes, on average, for people with speeding tickets on their driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $77 | $42 |
| GEICO | $85 | $45 |
| Allstate | $110 | $60 |
| Mile Auto | $133 | $65 |
| USAA | $139 | $74 |
| Nationwide | $176 | $96 |
| Mercury | $181 | $106 |
| Progressive | $197 | $113 |
| Safeco | $208 | $117 |
| Clearcover | $211 | $142 |
| Chubb | $239 | $130 |
| 21st Century | $282 | $152 |
| Direct Auto | $284 | $149 |
| Elephant | $290 | $177 |
| National General | $291 | $142 |
| Dairyland | $317 | $122 |
| Bristol West | $330 | $155 |
| The General | $330 | $151 |
| Liberty Mutual | $400 | $243 |
| GAINSCO | $433 | $204 |
| Commonwealth Casualty | $461 | $167 |
| State Auto | $563 | $305 |
| Foremost | $581 | $273 |
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
Car insurance rates often increase after at-fault accidents because they reflect an increased likelihood of future claims. When you’re the cause of an accident, insurance companies consider you a riskier driver. To compensate for this added risk, they adjust your premiums. More severe accidents with extensive damage or injuries can result in more substantial rate increases. Safe driving habits and accident prevention can help you keep your insurance costs in check.
In Killeen, drivers with an at-fault accident pay an average of $232 per month for car insurance. To find the most affordable policy when you have an accident on your driving record, consider these auto insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $82 | $45 |
| GEICO | $90 | $48 |
| Allstate | $117 | $64 |
| Mile Auto | $144 | $70 |
| USAA | $148 | $79 |
| Nationwide | $187 | $102 |
| Mercury | $192 | $112 |
| Progressive | $212 | $122 |
| Safeco | $216 | $121 |
| Clearcover | $240 | $161 |
| Chubb | $251 | $137 |
| Elephant | $280 | $170 |
| 21st Century | $297 | $160 |
| National General | $307 | $149 |
| Direct Auto | $308 | $161 |
| Dairyland | $334 | $128 |
| Bristol West | $348 | $163 |
| The General | $350 | $161 |
| GAINSCO | $409 | $193 |
| Liberty Mutual | $420 | $255 |
| Commonwealth Casualty | $444 | $161 |
| State Auto | $603 | $326 |
| Foremost | $610 | $287 |
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
DUIs can lead to substantial car insurance rate increases due to the elevated risk they pose. A DUI conviction suggests impaired driving judgment, making you a greater liability to insurance companies. As a result, they adjust your premiums to compensate for the potential costs of future claims.
Drivers with a DUI in Killeen pay an average of $264 per month for car insurance. The following table shows the auto insurers with the cheapest average quotes for drivers with DUIs.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $101 | $54 |
| GEICO | $109 | $58 |
| Allstate | $142 | $77 |
| Mile Auto | $170 | $82 |
| USAA | $180 | $96 |
| Mercury | $201 | $117 |
| Nationwide | $224 | $122 |
| Safeco | $245 | $138 |
| Progressive | $255 | $147 |
| Clearcover | $270 | $181 |
| Chubb | $303 | $165 |
| Elephant | $346 | $211 |
| 21st Century | $351 | $190 |
| Direct Auto | $366 | $191 |
| National General | $372 | $181 |
| Dairyland | $409 | $157 |
| The General | $417 | $191 |
| Bristol West | $422 | $198 |
| Liberty Mutual | $478 | $290 |
| GAINSCO | $517 | $244 |
| Commonwealth Casualty | $550 | $199 |
| State Auto | $672 | $364 |
| Foremost | $694 | $326 |
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.
Cheapest car insurance for seniors: State Farm
While inexperienced teen drivers tend to spend the most on car insurance, rates typically decrease around the year they turn 35 as drivers accumulate experience and maintain safe records. However, around age 70, rates start to rise due to factors like slower reaction times and increased susceptibility to accidents.[4] Insurance companies perceive older drivers as higher risk, leading to a gradual increase in premiums.
Seniors in Killeen pay an average of $126 per month for car insurance. You can use this table to help identify which car insurance companies in Killeen offer the lowest average insurance quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $25 | $46 |
| GEICO | $27 | $51 |
| Allstate | $37 | $67 |
| Mile Auto | $37 | $76 |
| USAA | $45 | $85 |
| Nationwide | $54 | $99 |
| Mercury | $59 | $102 |
| Progressive | $63 | $109 |
| Chubb | $71 | $131 |
| Dairyland | $74 | $194 |
| Safeco | $75 | $134 |
| National General | $82 | $169 |
| 21st Century | $84 | $155 |
| Direct Auto | $88 | $169 |
| The General | $92 | $200 |
| Clearcover | $93 | $138 |
| Bristol West | $94 | $201 |
| Commonwealth Casualty | $94 | $261 |
| Elephant | $102 | $168 |
| GAINSCO | $121 | $257 |
| Liberty Mutual | $144 | $238 |
| Foremost | $155 | $329 |
| State Auto | $161 | $298 |
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: GEICO
Auto insurance rates for teenagers are notably higher than those for adults, primarily because of their limited driving experience and the heightened risk associated with young drivers. In Killeen, teen drivers pay an average of $295 per month for car insurance.
To find cost-effective car insurance as a teenager, consider staying on your parents’ insurance policy, benefiting from their established driving history. Another money-saving tip is to maintain good grades, which can qualify you for a good student discount from insurers, helping to offset the higher costs associated with teenage drivers.
Teen drivers can use this table to find the car insurance companies in Killeen that offer the lowest average quotes for drivers in their age group.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $58 | $110 |
| State Farm | $59 | $109 |
| Allstate | $87 | $159 |
| Mile Auto | $100 | $207 |
| USAA | $101 | $191 |
| Nationwide | $135 | $247 |
| Mercury | $142 | $243 |
| Dairyland | $160 | $417 |
| Progressive | $163 | $283 |
| Safeco | $180 | $320 |
| The General | $192 | $419 |
| Chubb | $199 | $365 |
| 21st Century | $203 | $376 |
| Clearcover | $210 | $313 |
| Bristol West | $211 | $450 |
| Elephant | $217 | $355 |
| Commonwealth Casualty | $218 | $601 |
| Direct Auto | $220 | $422 |
| National General | $225 | $461 |
| GAINSCO | $266 | $564 |
| Liberty Mutual | $315 | $518 |
| Foremost | $366 | $778 |
| State Auto | $408 | $754 |
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 in Killeen
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Killeen car insurance quotes by credit tier
Car insurance companies in Texas can consider your credit history when calculating insurance premiums.[5] Maintaining excellent or good credit can lead to lower auto insurance costs. Drivers with poor credit usually have more expensive rates.
Here are average car insurance quotes in Killeen 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 Killeen?
The national average cost of car insurance is $204 for full coverage and $104 for liability-only coverage. However, residents of Killeen should anticipate slightly higher expenses. On average, Killeen drivers pay $215 per month for full coverage and $105 for liability-only coverage.
The specific city and ZIP code you live in can influence your car insurance costs significantly, as insurers consider factors such as local weather conditions, crime rates, and traffic patterns.[1]
More cities in Texas
Here’s how Killeen’s average car insurance costs compare to average rates in other Texas cities.
City ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Abilene | $201 | $94 |
| Austin | $241 | $131 |
| Corpus Christi | $230 | $129 |
| Dallas | $277 | $133 |
| El Paso | $202 | $97 |
| Fort Worth | $237 | $120 |
| Lubbock | $221 | $107 |
| Midland | $228 | $105 |
| San Antonio | $237 | $123 |
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.
Killeen car insurance FAQs
Learn how to shop for car insurance quotes in Insurify’s guide, and check out the answers to common questions about Killeen car insurance below.
How much is car insurance in Killeen, Texas?
The average cost of car insurance in Killeen is $105 per month for liability only and $215 per month for full coverage.
Who has the cheapest car insurance in Killeen?
The cheapest insurer in Killeen is State Farm, with an average cost of $33 per month for liability insurance. Other cheap insurers include GEICO and Allstate, with monthly liability rates averaging $35 and $47, respectively. However, the best way to find cheap insurance for your situation is to compare quotes from multiple insurers at the same coverage level.
What are the best car insurance companies in Killeen?
Some of the best car insurance companies in Killeen are GEICO and State Farm. These insurers have above-average J.D. Power rankings, strong AM Best ratings, and high Insurify Quality Scores.
What is the bare minimum car insurance in Texas?
Texas requires 30/60/25 insurance minimums. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[3]
How much is car insurance in Texas per month?
The average cost of car insurance in Texas is $120 per month for liability insurance and $241 per month for full coverage.
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
- 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.
Related articles
More cities in Texas
Sources
- III. "What determines the price of an auto insurance policy?."
- FBI. "Texas: Offenses Known to Law Enforcement by City, 2019."
- Texas Department of Insurance. "Auto insurance guide."
- III. "Senior driving safety and insurance tips."
- Texas Department of Insurance. "Credit Scoring and Insurance."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
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.
Featured in
)
)
)
)
)