Cheapest Auto Insurance in Killeen, Texas (2024)

State Farm offers the cheapest car insurance in Killeen, with liability policies starting at $33 per month.

Jacqueline DeMarco
Jacqueline 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.

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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 29, 2024

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Cheapest recent rates near Killeen, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $58/mo for full coverage in Killeen and other Texas cities.

*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on May 28, 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 28, 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 May 28, 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 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $162 per month. This is more expensive than the national average auto insurance premium of $160 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 $107 per month for liability only and $216 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 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.
Full CoverageLiability OnlyBest for
State Farm4.6$64$38Discounts
GEICO4.4$69$42Bundling
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 discounts: 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.
$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.
$56/mo

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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for bundling: GEICO

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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$37/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.
$60/mo

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

Read our GEICO review
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

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.
$47/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.
$98/mo

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

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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 $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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm33
GEICO37
Allstate47
Mile Auto47
Hugo49
USAA60
Safeco71
Nationwide75
Mercury79
Midvale Home & Auto86
Progressive86
Dairyland91
Clearcover97
Chubb102
National General106
Liberty Mutual110
Elephant112
Direct Auto116
21st Century117
Commonwealth Casualty118
The General124
GAINSCO135
Bristol West139
State Auto156
AssuranceAmerica157
Infinity167
Hallmark186
Foremost191
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 $216 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm56
GEICO60
Allstate79
Mile Auto98
USAA99
Clearcover124
Hugo126
Mercury126
Nationwide143
Safeco149
Progressive151
Midvale Home & Auto153
Chubb169
Elephant187
21st Century195
AssuranceAmerica208
Liberty Mutual230
Direct Auto234
National General234
Dairyland236
Infinity261
The General261
Bristol West278
State Auto283
GAINSCO294
Commonwealth Casualty308
Foremost391
Hallmark404
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.

How Much Other Insurify Customers Pay in and around Killeen, Texas

Drivers in and around Killeen, Texas have found policies from Bristol West, Elephant, Alinsco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on May 28, 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 28, 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 May 28, 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 28, 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]

CoverageMinimum 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:

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

    Comprehensive coverage

    Comprehensive coverage pays for damages from non-collision incidents, including fire, vandalism, theft, falling objects, and natural disasters.

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

    Collision coverage

    Collision coverage compensates for damages resulting from collisions, whether you’re at fault or not.

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

    Uninsured/underinsured motorist coverage

    Uninsured motorist coverage kicks in when an uninsured or underinsured driver causes an accident, covering your damages and injuries.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/3220fb55f1/broken-windshield.svg

    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 $147 per month

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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 $232 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm7243
GEICO7848
Allstate10261
USAA12878
Mile Auto13766
Clearcover163127
Hugo17367
Mercury175110
Nationwide18798
Progressive196112
Safeco19794
Midvale Home & Auto205115
Chubb222134
21st Century260156
Elephant268160
AssuranceAmerica276208
Direct Auto307152
Dairyland308119
Liberty Mutual329157
National General335152
The General343163
Infinity352225
Bristol West358179
State Auto399220
GAINSCO421193
Commonwealth Casualty441169
Hallmark525242
Foremost560273
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 $248 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm7745
GEICO8351
Allstate10965
USAA13783
Mile Auto14871
Hugo16966
Clearcover182142
Mercury185116
Nationwide199104
Safeco19995
Progressive212121
Midvale Home & Auto223125
Chubb235142
Elephant254152
21st Century275165
AssuranceAmerica288218
National General321146
Dairyland326126
Direct Auto330164
Liberty Mutual346165
Infinity356227
The General367175
Bristol West378189
GAINSCO393181
Commonwealth Casualty420161
State Auto430237
Hallmark541249
Foremost588287
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 $280 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
State Farm9556
GEICO10263
Allstate13580
Mile Auto15273
USAA169102
Mercury194122
Clearcover211165
Hugo21583
Nationwide244128
Safeco254121
Progressive257146
Midvale Home & Auto261146
Chubb288174
Elephant319191
21st Century332199
AssuranceAmerica354267
Liberty Mutual392187
Direct Auto399198
National General399181
Dairyland402155
Infinity445284
The General445211
Bristol West474237
State Auto482266
GAINSCO501230
Commonwealth Casualty525201
Foremost666325
Hallmark688317
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 $117 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm2440
GEICO2744
Hugo3283
Mile Auto3369
Allstate3559
USAA4473
Nationwide5299
Safeco53112
Mercury5588
Progressive57101
Midvale Home & Auto61108
Dairyland68176
Chubb70115
Clearcover7292
National General79175
21st Century81136
Liberty Mutual81169
Elephant82137
Direct Auto83168
Commonwealth Casualty87228
The General95200
GAINSCO103224
Bristol West104208
AssuranceAmerica111147
State Auto112203
Infinity117183
Hallmark132286
Foremost139284
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

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 $278 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm5492
GEICO5792
Allstate80135
Hugo83215
Mile Auto89185
USAA97160
Nationwide125238
Mercury140224
Safeco145305
Midvale Home & Auto146260
Dairyland149386
Progressive152267
Elephant180301
Chubb183304
Clearcover184236
21st Century190316
National General193426
The General196412
Liberty Mutual200418
Commonwealth Casualty204533
Direct Auto207417
Bristol West231462
GAINSCO236514
State Auto269489
AssuranceAmerica285377
Infinity299467
Hallmark323701
Foremost330675
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

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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 $215 for full coverage and $104 for liability-only coverage. However, residents of Killeen should anticipate slightly higher expenses. On average, Killeen drivers pay $216 per month for full coverage and $107 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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Abilene$210$94
Austin$240$128
Corpus Christi$231$122
Dallas$284$137
El Paso$219$93
Fort Worth$245$123
Lubbock$240$106
Midland$238$100
San Antonio$246$125
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 $107 per month for liability only and $216 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 $37 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 $119 per month for liability insurance and $251 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
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. III. "What determines the price of an auto insurance policy?."
  2. FBI. "Texas: Offenses Known to Law Enforcement by City, 2019."
  3. Texas Department of Insurance. "Auto insurance guide."
  4. III. "Senior driving safety and insurance tips."
  5. Texas Department of Insurance. "Credit Scoring and Insurance."
Jacqueline DeMarco
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 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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