Cheapest Auto Insurance in Killeen, Texas (2026)
State Farm offers the cheapest car insurance in Killeen, with liability policies starting at $53 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
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.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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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 $150 per month. This is more expensive than the national average auto insurance premium of $136 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 $108 per month for liability only and $192 per month for full coverage.
State Farm, Mile Auto, 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 | $101 | $58 | Discounts |
| GEICO | 9.2 | $180 | $96 | Bundling |
| Mile Auto | 8.8 | $156 | $74 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen 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 55,000 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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $53/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. | $91/mo |
4.0
Best choiceBased on 14,829 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,012)
Barbara
Verified Review
Totally disappointed in State Farm
Reviewed in South Carolina on February 11, 2026
State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.
Valerie
Verified Review
State Farm Review
Reviewed in Connecticut on February 11, 2026
They're fine, but the payments go up every 6 months.
Olinda
Verified Review
My experience with State Farm is unbelievable. Almost every month, something goes up. My apartment insurance went from $17 to $38, and I'm in desperate need of new car insurance and apartment insurance. Can you help?
Reviewed in Illinois on February 11, 2026
My experience with State Farm is unbelievable. Almost every month, something goes up. My apartment insurance went from $17 to $38, and I'm in desperate need of new car insurance and apartment insurance. Can you help?
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.2 /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. | $88/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. | $160/mo |
4.0
Best choiceBased on 15,107 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,288)
Victoria
Verified Review
VB Car Insurance
Reviewed in Nevada on February 11, 2026
They help when you call.
Ryan
Verified Review
Easy going
Reviewed in Kentucky on February 11, 2026
Great company
Robin
Verified Review
Geico, not your best bet!
Reviewed in South Carolina on February 11, 2026
I believe I am overcharged. I have paid my premium regularly and on time for over six years, with no claims! When I called to see if I could get my rates reduced and add my son to my policy, they offered no help. I'm not a fan of Geico and would not recommend them!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 | 4.5 |
|---|---|
| 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. | 8.8 /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. | $66/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. | $139/mo |
4.5
Best choiceBased on 187 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (65)
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
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.
2.18A.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 $53 per month
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4.7 out of 5 based on 11,762 reviews
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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 $53 per month. The table below shows the insurance companies with the cheapest liability-only car insurance policies in Killeen.
The below rates in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $53 |
| Mile Auto | $66 |
| Allstate | $75 |
| Progressive | $77 |
| GEICO | $88 |
| USAA | $95 |
| Mercury | $103 |
| Root | $103 |
| Dairyland | $109 |
| The General | $112 |
| Bristol West | $112 |
| Commonwealth Casualty | $114 |
| GAINSCO | $119 |
| Nationwide | $119 |
| AssuranceAmerica | $121 |
| Clearcover | $123 |
| Sun Coast | $128 |
| Safeco | $129 |
| Direct Auto | $132 |
| National General | $135 |
| Elephant | $139 |
| Chubb | $160 |
| 21st Century | $185 |
| Liberty Mutual | $240 |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen 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 $192 per month for full-coverage car insurance, and the following table shows which insurance companies offer the cheapest average quotes.
The below rates in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| Allstate | $128 |
| Progressive | $136 |
| Mile Auto | $139 |
| Mercury | $155 |
| GEICO | $160 |
| USAA | $162 |
| Root | $186 |
| Safeco | $195 |
| Clearcover | $199 |
| Nationwide | $204 |
| Direct Auto | $209 |
| Elephant | $217 |
| The General | $219 |
| Bristol West | $226 |
| National General | $232 |
| Sun Coast | $238 |
| GAINSCO | $241 |
| AssuranceAmerica | $255 |
| Commonwealth Casualty | $274 |
| Chubb | $275 |
| Liberty Mutual | $310 |
| Dairyland | $315 |
| 21st Century | $317 |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Killeen, Texas
Recent Killeen, Texas car insurance prices for Nissan, Buick, Mitsubishi , and more.
*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 12, 2026. 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 February 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 February 12, 2026. 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 $128 per month
Excellent
4.7 out of 5 based on 11,762 reviews
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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 $187 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 in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| State Farm | $115 | $67 |
| Allstate | $166 | $97 |
| Progressive | $169 | $96 |
| Mile Auto | $170 | $81 |
| GEICO | $208 | $115 |
| USAA | $209 | $122 |
| Mercury | $216 | $143 |
| Root | $247 | $137 |
| Safeco | $256 | $169 |
| Clearcover | $259 | $160 |
| Elephant | $259 | $166 |
| Direct Auto | $261 | $165 |
| Nationwide | $264 | $154 |
| Bristol West | $283 | $140 |
| GAINSCO | $286 | $141 |
| National General | $288 | $167 |
| The General | $291 | $149 |
| Sun Coast | $296 | $159 |
| Commonwealth Casualty | $322 | $134 |
| AssuranceAmerica | $323 | $153 |
| Chubb | $348 | $202 |
| Dairyland | $390 | $135 |
| Liberty Mutual | $393 | $304 |
| 21st Century | $415 | $242 |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen 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 $197 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 in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| State Farm | $120 | $70 |
| Allstate | $171 | $100 |
| Progressive | $178 | $101 |
| Mile Auto | $187 | $89 |
| GEICO | $207 | $114 |
| USAA | $216 | $127 |
| Mercury | $233 | $155 |
| Root | $247 | $137 |
| Safeco | $272 | $180 |
| Nationwide | $273 | $159 |
| Elephant | $282 | $181 |
| Direct Auto | $284 | $179 |
| Clearcover | $290 | $179 |
| Bristol West | $296 | $147 |
| The General | $300 | $153 |
| GAINSCO | $307 | $152 |
| National General | $307 | $178 |
| Sun Coast | $312 | $168 |
| AssuranceAmerica | $338 | $160 |
| Commonwealth Casualty | $360 | $150 |
| Chubb | $363 | $211 |
| Liberty Mutual | $410 | $318 |
| Dairyland | $413 | $143 |
| 21st Century | $428 | $250 |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen 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 $206 per month for car insurance. The following table shows the auto insurers with the cheapest average quotes for drivers with DUIs.
The below rates in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|---|---|
| State Farm | $130 | $76 |
| Allstate | $183 | $107 |
| Progressive | $187 | $106 |
| Mile Auto | $199 | $94 |
| GEICO | $226 | $124 |
| Mercury | $231 | $154 |
| USAA | $232 | $136 |
| Root | $267 | $148 |
| Clearcover | $285 | $176 |
| Nationwide | $292 | $170 |
| Safeco | $298 | $197 |
| Direct Auto | $299 | $189 |
| Elephant | $310 | $199 |
| The General | $313 | $160 |
| Bristol West | $323 | $160 |
| Sun Coast | $327 | $176 |
| National General | $332 | $193 |
| GAINSCO | $345 | $170 |
| AssuranceAmerica | $365 | $173 |
| Commonwealth Casualty | $392 | $163 |
| Chubb | $393 | $229 |
| 21st Century | $424 | $248 |
| Liberty Mutual | $443 | $343 |
| Dairyland | $451 | $156 |
Disclaimer: Table data is based on real-time Killeen quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $127 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 in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $41 | $71 |
| Mile Auto | $51 | $108 |
| Allstate | $60 | $103 |
| Progressive | $65 | $115 |
| GEICO | $69 | $126 |
| USAA | $76 | $130 |
| Mercury | $82 | $123 |
| Root | $85 | $154 |
| Nationwide | $90 | $155 |
| Commonwealth Casualty | $91 | $218 |
| Dairyland | $92 | $266 |
| Bristol West | $92 | $186 |
| The General | $93 | $182 |
| AssuranceAmerica | $94 | $198 |
| GAINSCO | $100 | $202 |
| Direct Auto | $105 | $167 |
| National General | $105 | $181 |
| Clearcover | $107 | $173 |
| Sun Coast | $108 | $202 |
| Safeco | $112 | $169 |
| Elephant | $114 | $178 |
| Chubb | $120 | $206 |
| 21st Century | $144 | $247 |
| Liberty Mutual | $198 | $256 |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
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 $296 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 in Killeen, TX, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $107 | $184 |
| Mile Auto | $141 | $297 |
| Progressive | $152 | $268 |
| Allstate | $154 | $263 |
| GEICO | $165 | $299 |
| USAA | $183 | $313 |
| Root | $186 | $336 |
| Dairyland | $192 | $556 |
| Mercury | $199 | $299 |
| The General | $205 | $401 |
| Bristol West | $209 | $421 |
| Clearcover | $212 | $344 |
| Commonwealth Casualty | $220 | $529 |
| GAINSCO | $228 | $462 |
| Nationwide | $242 | $415 |
| Sun Coast | $252 | $469 |
| Elephant | $256 | $399 |
| AssuranceAmerica | $259 | $547 |
| Direct Auto | $266 | $420 |
| Safeco | $270 | $409 |
| National General | $284 | $488 |
| Chubb | $344 | $591 |
| 21st Century | $348 | $597 |
| Liberty Mutual | $442 | $571 |
Disclaimer: Table data sourced from real-time Killeen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Killeen may vary based on the policy buyer's unique driver profile.
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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 $174 for full coverage and $99 for liability-only coverage. However, residents of Killeen should anticipate slightly higher expenses. On average, Killeen drivers pay $192 per month for full coverage and $108 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 | $177 | $89 |
| Austin | $209 | $128 |
| Corpus Christi | $201 | $132 |
| Dallas | $238 | $135 |
| El Paso | $191 | $103 |
| Fort Worth | $210 | $119 |
| Lubbock | $209 | $106 |
| Midland | $205 | $106 |
| San Antonio | $218 | $128 |
Disclaimer: Table data is based on real-time Killeen quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $108 per month for liability only and $192 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 $53 per month for liability insurance. Other cheap insurers include Mile Auto and Allstate, with monthly liability rates averaging $66 and $75, 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 $118 per month for liability insurance and $209 per month for full coverage.
Methodology
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:
- 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.
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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."
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Jacqueline DeMarcoFreelance Insurance Writer
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 health, relationships and career, Jacqueline realized just how important financial education is.
Jacqueline has been a contributor for Insurify since October 2022. She’s 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
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.