Car insurance in Abilene, Texas [Rates + Comparison Guide 2020]

Average rates for car insurance in Abilene, TX are $435.70/mo. Texas requires minimum liability coverage of 30/60/25. Compare quotes online to save more.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 16, 2021

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Abilene City StatisticsDetails
City Population120,958
City Density1,159 people per square mile
Average Cost of Car Insurance in Abilene$5,228.42
Cheapest Car Insurance CompanyState Farm + USAA
Road Conditions (Dallas, Fort Worth, Arlington)Poor: 21%
Mediocre: 31%
Fair: 20%
Good: 28%
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Finding the right auto insurance policy with the best rate possible for your whole family probably isn’t at the top of your priority list – we get it. Between a full-time job, taking the kids to school and trying to have a healthy family life, it’s difficult to find the free time to do anything, much less find multiple hours to research multiple car insurance companies for a unique policy that meets your needs.

If you don’t have the time to sit still for long hours and you just need a car insurance quote right now, you’ve come to the right place. Securing car insurance in Abilene, Texas and a fantastic car insurance rate has never been faster and easier when you use our simple comparison guide and free rate-comparing tool.

But how is all this possible you ask?

All the data, research, and rates are at the tips of your fingers and compiled all in one place so you have all the information you need to make an informed decision when finding your new auto policy.

So sit back in your comfy chair for just a few short minutes while we go over everything you need to know about car insurance in Abilene, Texas.

Ready to get started comparing rates right now? To begin, use our free tool by entering your zip code in the box above.

Table of Contents

What’s the cost of car insurance in Abilene?

We know your time is valuable, so let’s get right to the point: how much is car insurance going to cost you and what factors can affect your car insurance rate?

Factors such as age, gender, marital status, place of residence, driving record and credit score are just a few of the many things that can have a lot of influence on your rate.

With that being said, turn your attention to the charts and lists below and let’s get started.

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Do gender and age influence rates?

It’s kind of a crazy thought that gender can affect your car insurance rate. In some states, basing a car insurance rate off of gender is illegal, but unfortunately for Texas residents, this is not the case.

While age and marital status can affect your car insurance rate, they are certainly not the most important factors that car insurance companies pay attention to.

According to a recent study done by Data USA, the median age in Abilene, Texas in 31.2 years. This is a good sign for Abilene drivers because age won’t play a significant role when deciding rate.

The table below provides a breakdown of exactly how your age could determine your coverage rates in Abilene, Texas.

Average Annual Rate$2,371.22$2,207.37$6,894.51$2,941.05
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As you probably already noticed, teen drivers usually have the most expensive car insurance rate. Car insurance companies know that young, inexperienced drivers are the most likely to cause or be involved in a car accident and wind up costing the insurance company the most money in the long run.

If you’re a teenager, don’t be overwhelmed by this. If you keep a clean driving record, your rate should decrease significantly by the time you get into your 20s.

How does gender affect your rate?

Most people think that women pay more for car insurance than men do, but most of the time this isn’t true. Car insurance companies deem women as more responsible than men and therefore, women usually end up paying less than men for their policy.

Average Annual Rate$3,603.54$3,400.29
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As you can see in the table above, men in Abilene, Texas pay an average of $203 more than women per year for their car insurance policy.

The nonsense doesn’t stop there. Let’s look at the table below to see how marital status can affect your rate.

Married 35-year old female$2,336.52
Married 35-year old male$2,405.92
Married 60-year old female$2,152.37
Married 60-year old male$2,262.38
Single 17-year old female$6,265.11
Single 17-year old male$7,523.91
Single 25-year old female$2,847.18
Single 25-year old male$3,034.91
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According to this table above, single 17-year old males pay the most for car insurance while married 60-year old females pay the least for car insurance in Abilene, Texas. In fact, if you’re married, you will almost always pay less for car insurance than a single person would.

But why?

Car insurance companies assume that someone who is married will be a consciously safer and more responsible driver because dying and leaving a spouse alone over a reckless driving accident just isn’t an option and it obviously isn’t welcomed.

If you’re a parent and have a teen driver living under your roof, don’t give up just yet. Many more factors go into determining your rate, so hold on tight and keep reading as we discuss these important car insurance details.

What are the cheapest zip codes in Abilene?

Did you know that your place of residence can also affect your car insurance rate? Every state has a different rate, but not many people know that every city within a state has different rates as well.

But why and how does location affect a car insurance rate?

Certain areas are known for being vulnerable to natural disasters, crime, theft, accidents, and road fatalities. Car insurance companies take all of these statistics into account when you give them your zip code. See the table below to find your zip code.

Zip CodeAverage Annual Rate
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The data above shows that rates don’t vary too much from zip code to zip code within the city of Abilene.

What’s the best car insurance company in Abilene?

Most people will automatically choose one car insurance company over another one because of a cheaper rate. But why do some companies charge more for the same basic insurance policy than others do?

This can happen for a few reasons. Just like you might pay a little more money for a shirt because it’s a certain brand you love at the store, you might choose a company with a more expensive rate because you know the company and you trust them.

Some car insurance companies might be a little less expensive because they are trying to promote their brand and discounts are a great way to get more customers in the door.

Before you make any decisions, it’s good to know all the facts. In this next section, we’ll show you some of the cheapest car insurance companies in the state of Texas, but keep in mind that we’ve only scratched the surface about factors that can affect your rate.

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What are the cheapest car insurance rates by company?

Let’s take a look at the table below for the bottom line price for car insurance in Abilene, Texas.

GroupMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
American Family$2,993.95$3,286.87$2,643.06$2,989.77$6,938.96$9,216.49$4,114.38$4,692.44$4,609.49
State Farm$1,821.39$1,821.39$1,626.68$1,626.68$4,443.54$5,679.80$1,985.69$2,048.36$2,631.69
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While Allstate might be the most expensive car insurance company based on age, gender and marital status, it might not be the most expensive company based on other important factors such as driving record, credit score, or level of coverage.

Keep in mind that USAA only services military members and their families.

What’s the best car insurance for commute rates?

Car insurance providers may also base your rate on how many miles you drive on average per year.

According to the Federal Highway Administration’s 2016 driving study, Texas residents drove an average of 15,533 miles in the state in that year alone.

Below is a table showing rates based on commute mileage in Abilene.

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
American Family$4,609.49$4,609.49$4,609.49
State Farm$2,631.69$2,631.69$2,631.69
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A general rule of thumb to live by is if you drive more miles than the average driver, you might wind up paying a few hundred dollars per year for your car insurance policy. Four out of the seven major car insurance companies we listed above give you the same rate – even if you drive more miles per year than the average person.

What is the best car insurance for coverage level rates?

As we’ve said before, more car insurance is always better car insurance, and most providers agree with this statement – some will even reward you for it. For just a few hundred dollars more per year, you could go from having minimum liability insurance to full coverage. For some drivers, a few hundred dollars more per year won’t break the bank.

Confused? To help you understand better, let’s take a look at the table below.

American Family$4,926.38$4,399.17$4,502.91$4,609.49
State Farm$2,764.83$2,502.23$2,628.02$2,631.69
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Paying a little extra money every year for your insurance policy could save you a lot of money in the long run – especially if you are a high-risk driver and you’re prone to accidents. If you look at Allstate’s high and low rates, you’ll find that the difference in rate is only $214. This means that having great auto insurance coverage could only wind up costing you about $18 more per month.

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What’s the best car insurance for credit history rates?

In some states, it is illegal for car insurance providers to base a rate off of a driver’s credit history. Unfortunately for Texas drivers, this is not the case.

In short, if you have poor credit history, car insurance providers deem you as a less responsible individual and will most likely raise your rate as a result. Look at the table below to see where you might land if you have poor credit or great credit.

American Family$3,915.88$3,410.55$6,502.04$4,609.49
State Farm$2,320.82$1,851.10$3,723.16$2,631.69
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As you can see, credit history not only affects your average interest rate and your credit card approval or denial, but it also deeply affects your car insurance rate. If you’re a client of Geico, you might see an $800 spike in your car insurance payment if you screw up your good credit history.

On the other hand, if you keep a clean credit history, you could be saving yourself thousands of dollars per year.

What’s the best car insurance for driving record rates?

Probably the most significant factor that affects your car insurance premium is by far your driving record. The more reckless of a driver you are, the more money a car insurance company has to shell out if you get into an accident.

Even if you get just one ticket, your rates can increase significantly.

GroupClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
American Family$4,220.36$5,325.75$4,671.49$4,220.36$4,739.20
State Farm$2,330.77$2,683.54$3,181.69$2,330.77$2,732.00
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If you get a traffic ticket, you will receive points on your record as well. Serious violations such as DWIs, leaving the scene of an accident, or excessive speeding will increase your insurance. Certain types of tickets such as parking tickets or rolling through a stop sign will give you points but will typically not increase your car insurance rates.

Geico will increase your yearly rate by over $700 if you get one traffic ticket, while providers like Allstate will keep your rate the same even if you are in violation of Texas state driving law and are given a traffic ticket.

What are the car insurance factors in Abilene?

Believe it or not, there are still more factors to consider when figuring out your car insurance rate. But before we get into more of these factors, let’s go over Abilene’s median household income as it compares to the average cost of auto insurance in the city.

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Metro report: Growth & prosperity

The following data from the table below is pulled from the Metro Monitor 2019 Edition. It shows the prosperity rates in the Dallas-Fort Worth-Arlington area.

Metro Report (2019) from 2016-2017ProductivityStandard of LivingAverage Annual Wage
Prosperity-0.7% change (87 of 100)-0.2% change (87th of 100).08% increase (59th of 100)
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The table below shows the growth rates in the same area.

Metro Monitor 2019 (2016-2017)JobsGross Metropolitan Product (GMP)Jobs at Young Firms
Growth2.6% increase (17th of 100)1.9% increase (62nd of 100)4.6% increase (36th of 100)
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What’s the median household income in Abilene?

According to Data USA, households in Abilene, TX have a median annual income of $46,093, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $44,108 in 2016, which represents a 4.5 percent annual growth.

Remember that car insurance in Abilene, Texas costs an average of $3,603.54 per year. This means that Abilene drivers spend 8.1 percent of their total income on car insurance every year.

Use the calculator below to see how much your current annual income has been reduced by your yearly auto insurance rates.

What’s the percentage of home ownership in Abilene?

Did you know that being a homeowner can help reduce your car insurance rate?

Homeownership indicates financial responsibility to insurers, making you present far less of a risk to insure. In addition, since you have to make monthly house payments as a homeowner, car insurance carriers also deduce that you’re more likely to fulfill your monthly auto insurance payments too.

According to Data USA, in 2017, 54.5 percent of the housing units in Abilene, TX were occupied by their owner. This percentage grew from the previous year’s rate of 53.6 percent. This percentage of owner-occupation is lower than the national average of 63.9 percent.

In 2017, the median property value in Abilene, TX grew to $106,800 from the previous year’s value of $101,500. In Abilene, TX the largest share of households have a property value in the $100,000- $125,000 range. The orange bars show Abilene’s average while the gray bars show the national average.

Education in Abilene

In 2016, universities in Abilene, TX awarded 1,862 degrees. The student population of Abilene, TX is skewed towards women, with 3,596 male students and 4,673 female students.

The three largest universities in the city by the number of degrees awarded in 2016 are as follows:

  • Abilene Christian University: 1,109 degrees awarded
  • Hardin-Simmons University: 474 degrees awarded
  • McMurry University: 208 degrees awarded

In the same year, the most popular concentrations student chose for their major were:

  • General Psychology: 79 degrees awarded
  • Accounting: 70 degrees awarded
  • Registered Nursing: 86 degrees awarded

The Texas College of Cosmetology-Abilene and NeeCee’s College of Cosmetology are two more institutions in the Abilene, Texas area that offer post-secondary education courses.

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Can race & ethnicity affect wage in common jobs?

It’s crazy to think that in today’s day and age, factors like race and ethnicity can affect the wage rate in the modern-day workplace.

In 2017 the highest paid race/ethnicity of Texas workers was Asian. These workers were paid 1.25 times more than White workers, who made the second highest salary of any race/ethnicity. See below for the annual average percentage of income that each ethnicity spends on their car insurance policy.

Two or More Races$89,714.004%$40,907.008.80%$44,965.008%$24,545.0014.60%$11,425.0031.50%
American Indian$74,900.004.80%$41,195.008.70%$42,576.008.40%$23,489.0015.30%$14,078.0025.50%
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Notice that two or more races spend more 30 percent of their total income on car insurance alone, while people with higher-paying jobs might only spend 3-5 percent of their total income on car insurance per year.

Can gender influence wage in common jobs?

The gender wage gap is still a growing problem in American society. Generally, men are paid more than women are. According to Data USA, in 2017, full-time male employees in Texas made 1.41 times more than female employees.

The average salary for men in 2017 in Abilene, Texas was $64,953 while the average salary for women in the same year was $45,959.

What is the difference in the average percentage of income that men and women spend on car insurance?

GenderMiscellaneous ManagersPremiums as a Percentage of IncomeElementary & Middle School TeachersPremiums as a Percentage of IncomeRetail SalespersonsPremiums as a Percentage of IncomeDriver/Sales Workers & Truck DriversPremiums as a Percentage of IncomeCashiersPremiums as a Percentage of Income
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What’s the percentage of poverty by age and gender in Abilene?

17.7 percent of the population for whom poverty status is determined in Abilene, TX (19,500 out of 110,000 people) live below the poverty line, a number that is higher than the national average of 13.4 percent. The largest demographic living in poverty are females 18 – 24, followed by females 25 – 34 and then males 18 – 24.

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What’s the percentage of poverty by race and ethnicity?

You should now know that race and ethnicity can affect pay rates. However, race and ethnicity can also influence poverty statistics. In 2017, Data USA reported that the largest racial group living in poverty were White individuals, making up over 50 percent of the below-poverty population. Hispanic and Other ethnicities following in second and third place at around 25 percent and 10 percent respectively.

What’s the percentage of employment by occupations?

From 2016 to 2017, employment in Abilene, TX grew at a rate of 2.14 percent, from 52,200 employees to 53,300 employees.

The most common job groups, by number of people living in Abilene, TX, are Office & Administrative Support Occupations (7,233 people), Sales & Related Occupations (5,907 people), and Food Preparation & Serving Related Occupations (4,083 people). This chart illustrates the share breakdown of the primary jobs held by residents of Abilene, TX.

What’s driving in Abilene like?

What’s it like to drive in Abilene, Texas? Knowing the rules of the road, road conditions, and accident-prone locations are key to keeping you safe while driving along country roads in Texas.

Let’s take a look at the top routes both in and around Abilene, Texas.

What are the roads in Abilene like?

It can take months, maybe even years to learn all the roads in your city. But don’t stress out – here’s what you need to know about major highways in your area, popular road trip sites for your next adventure weekend, road conditions, and more.

Which are the major highways near Abilene?

There are 25 active routes in the state of Texas making up 3,501.15 miles of roadway. These highways are:

  • I-2, I-10, I-14, I-20, I-27, I-30, I-35, I-35E, I-35W, I-37, I-40, I-44, I-45, I-69
  • I-110, I-410, I-610, I-820, I-635, I-345, I-69C, I-69E, I-69W, I-169, I-369

Map of Abilene, Texas

As you can see from the map above, I-20 runs right through the center of Abilene.

Next, let’s talk about toll roads in and around the city of Abilene.

The following tolls include roads that run through and around the Abilene area. For more information regarding toll roads in the metropolitan area of Dallas and Fort Worth, please visit Texas Tolls.

For information about the cost to drive on these toll roads, please click on each of the links listed above.

What are the most popular road trip sites near Abilene?

Looking for something fun in Abilene to do this weekend? Whether you’re looking to take a short road trip or you just need a new adventure, the city of Abilene is full of things to do and see.

  • The Abilene Zoo: Take a ride on a paddle boat, visit the giraffe exhibit, or hop on a train while you feed the ducks and fish in the lake. This zoo is full of exotic animals and even has a splash pad for the kiddos.
  • The Grace Museum: Explore downtown Abilene at the cornerstone of West Texas culture: the Grace Museum. You’ll find art on all floors of this old, unique structure and the museum even offers art classes for kids.
  • Jacob’s Dream Sculpture & Fort Phantom Hill: Walk through Jack Maxwell’s enchanting sculpture set among blocks of stone. The locals say this place is a very relaxing area to pray and rest. When you’re done, head over to Fort Phantom Hill – built in the 1850s – and immerse yourself in Texas history.

What are the road conditions in Abilene like?

Urban Area 500K +StatePoor
Vehicle Operating
Costs (VOC)
Dallas‐‐Fort Worth‐‐ArlingtonTX21%31%20%28%$609
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Beginning Monday, September 23rd, 2019, Abilene drivers can expect lane closures on Ridgemont Drive as work gets underway in the City’s first Street Maintenance Fund reconstruction project.

Ridgemont Drive’s two east-side lanes will be closed as crews with Bontke Brothers Construction prepare to mill its surface. The two west-side lanes of Ridgemont will then convert to two-way traffic. Drivers are asked to reduce speed in the area, especially as they turn on to Ridgemont Drive from South Clack.

The $993,833 reconstruction of Ridgemont is funded through the City of Abilene’s Street Maintenance Fund, with the majority of funds coming from the Development Corporation of Abilene’s contribution to the Fund.

Work on Ridgemont drive should take about three months, or 60 working days to complete, depending on weather conditions. Residents, drivers, and Ridgemont area property owners with any problems or concerns with the work, while it’s underway, can contact the City of Abilene Engineering Services at 325.676.6281.

For more info regarding road construction in Abilene, please visit

Does Abilene use speeding or red light cameras?

As of September 2019, cameras that take pictures of vehicles that enter intersections while the traffic signal is red are banned in the state of Texas.

In a report, Governor Greg Abbott’s office outlined the main arguments for eliminating red-light cameras.

The report cites a Case Western Reserve University study that found that the cameras are successful in reducing T-bone angle accidents, but that they significantly raise the chances of a rear-end collision due to sudden braking. In the study, which looked at the impact of red-light cameras in Houston and Dallas, the cameras resulted in a 28 percent increase in non-angle accidents.

What types of vehicles are popular in Abilene?

Let’s take a look at the average number of vehicles per household in Abilene, Texas, as well as some important statistics about vehicle theft and speed traps.

What are the most popular vehicles owned in Texas?

According to Your Mechanic, the most popular vehicle owned in the Dallas-Fort Worth metropolitan area is the Dodge Challenger.

Your Mechanic also says that .7 percent of all cars owned in the same area are considered to be hybrids.

How many cars per household?

Data USA, reports that about 47 percent of Abilene households own two cars, slightly higher than the national average of 41 percent. One-car households make up the next highest bucket at nearly 22 percent.

How many households without a car?

Even though most households in Abilene own two cars, some don’t own any at all.

Take a look at the table below showing the percentage of households in the city that must use other methods of transportation.

Jurisdiction2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
Abilene, Texas5.40%8.00%1.711.69
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As you can see, vehicle ownership decreased from 2015 to 2016.

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Are there any speed traps in Abilene?

Have you ever been driving along, minding your own business and just following the natural flow of traffic when suddenly, out of nowhere, a police car whizzes out from behind a tree?

That’s called a speed trap.

Although Abilene didn’t make it on the list of the Top 10 Worst Texas Speed Trap Cities, there are still many speed traps to take note of. You can find that list here.

Is there a vehicle theft in Abilene?

According to the FBI, there were a total of 260 vehicle thefts reported in 2017 in Abilene, Texas.

Neighborhood Scout says that the vehicle theft rate in Abilene, Texas is 2.14 per 1,000 residents.

Here is a list of the safest areas in Abilene that residents should consider:

Neighborhood Scout also says that your chances of becoming a victim in Abilene, Texas are one in 189 (or 5.3 out of every 1,000 residents). Abilene is safer than 12 percent of U.S. cities, and has a rating number of 12 in the crime index (100 is the safest).

The table below reveals the incidents of violent crime in 2017 in Abilene, Texas.

Report Total4107138397
Rate per 1,0000.030.881.133.26
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Below are the annual number of crimes in 2017 in Abilene.

Number of Crimes6463,7324,378
Crime Rate
(per 1,000 residents)
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What’s the traffic in Abilene like?

“I love being in traffic,” said no one, ever.

Keep reading for an exclusive look at traffic congestion, average daily commute times, transportation statistics, and road safety in Abilene, Texas.

Is there a traffic congestion in Abilene?

Good news for Abilene drivers!

The city of Abilene didn’t even make onto Inrix’s most traffic-congested list. However, just because Abilene doesn’t appear to be on a traffic list, doesn’t mean you’ll never sit in traffic –  it just means wait times will be minimal if you sit in any kind of traffic at all.

What’s transportation like?

According to Data USA, Using averages, employees in Abilene, TX have a shorter commute time (15 minutes) than the normal US worker (25.1 minutes). Additionally, 1.86 percent of the workforce in Abilene, TX have “super commutes” in excess of 90 minutes.

Data USA also reports that in 2017, the most common method of travel for workers in Abilene, TX was Drove Alone, followed by those who Carpooled and those who Worked At Home.

What are the busiest highways?

According to the Texas A&M Transportation Institute, the 2018 ranking of Texas’ most congested roadways illustrates a familiar theme – growth-induced traffic gridlock is getting worse every year. This new list provides a variety of congestion measures for the top 100 road segments in the state and a more comprehensive examination of more than 1,800 roadways across Texas.

The 2018 report states that Abilene, Texas contains zero of the 100 most congested roads in Texas.

How safe are Abilene’s streets and roads?

We’ve discussed crime data and statistics, but now it’s time to move onto the road dangers in Abilene, Texas.

Road dangers and risks can cause accidents, which can be fatal at times. In this next section, we want to talk about the causes of these fatal accidents.

The table below shows the number of total fatal crashes in Taylor County from 2013-2017, according to the data provided by the National Highway Traffic Administration.

2014201520162017Fatalities Per
Taylor County202628171514.9419.2920.612.511.01
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The next table shown below indicates the total fatalities in Taylor County in 2017 based on the type of crash, such as whether the collision involved an alcohol-impaired driver or a pedestrian fatality.

Fatality TypeFatalities
2014201520162017Fatalities Per
Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+)368642.244.455.894.412.93
Single Vehicle Crash Fatalities1017141257.4712.6110.38.833.67
Fatalities in Crashes Involving Speeding776265.235.194.411.474.4
Fatalities in Crashes Involving a Roadway Departure815171075.9711.1312.517.355.14
Fatalities in Crashes Involving an Intersection (or Intersection Related)744715.232.972.945.150.73
Passenger Car Occupant Fatalities by County5613443.734.459.562.942.93
Pedestrian Fatalities523233.731.482.211.472.2
Pedalcyclist Fatalities0203001.4802.210
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The following table shows fatal crash rates in Texas by road function class.

RuralUrbanFreeway and ExpresswayOther
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What does Allstate America’s best drivers report indicate?

Another factor to consider if you’re thinking about moving to Abilene, Texas is how well drivers drive compared to the rest of the U.S.

According to data collected from Allstate’s Best Drivers in America Report, the Dallas-Fort Worth-Arlington metropolitan area is ranked 138th for safe driving in the U.S. Unfortunately, this means Texas is on the list of the top 10 states with the worst drivers.

The likelihood of a claim being made in this same area is 33.4 percent compared to the national average. Residents of this area typically go 8.2 years between filed claims.

The average time of 8.2 years between filed claims is a good number for the drivers in the Abilene, Texas area because it means that drivers aren’t filing claims too frequently. In other words, accidents are rare in Abilene.

Is ridesharing available in Abilene?

What ridesharing services are available in and around Abilene?

According to the Ride Guru, the following ridesharing services are available in Abilene, Texas:

  • Lyft
  • Lyft Plus: The best Lyft option for larger groups wishing to travel together. A Lyft Plus car can seat 6 or more passengers. The fare prices are slightly more expensive than a regular Lyft to compensate van and SUV drivers for higher vehicle running costs.
  • UberX
  • UberXL: Uber’s budget option for larger groups. When you order an Uber XL, a car with seating for up to 6 people will arrive to pick you up.

Are there any EStar repair shops in Abilene?

If you ever need work done on your car, or you’ve just been in an accident and you need to call a vehicle repair shop, an EStar repair shop can help.

EStar is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out these top two repair shops in Abilene, Texas, according to EStar.

Lawrence Hall Chevrolet Inc.200 N Clack
Abilene, TX 79603
[email protected]P: (325) 695-8885
F: (325) 695-5335
Abilene, TX 79605
[email protected]P: (325) 695-8675
F: (325) 795-9558
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What’s the weather in Abilene like?

Curious about the weather patterns in Abilene, Texas? The average temperature in Abilene is 64 degrees.

WeatherAverage Temperature
Annual high temperature:76.2°F
Annual low temperature:52.9°F
Average temperature:64.55°F
Average annual precipitation - rainfall:24.83 inch
Days per year with precipitation - rainfall:-
Annual hours of sunshine:-
Av. annual snowfall:5 inch
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You know about the weather, but what about natural disaster patterns?

According to City Data, the number of natural disasters in Taylor County (15) is near the US average (13).

Seven of these natural disasters were declared by the President as natural disasters and six were declared as emergencies.

The causes of these natural disasters were as follows:

  • Fires: Six
  • Floods: Five
  • Storms: Five
  • Hurricanes: Three
  • Tornados: Three
  • Tropical Storms: One

Please note that some of these disasters fall into more than one category.

If you live in a place where natural disasters occur frequently, it might be wise to consider getting a comprehensive car insurance policy.

Comprehensive coverage covers your vehicle if it is damaged in an accident or damaged during a natural disaster.

Having a comprehensive coverage policy could potentially save you thousands of dollars per year – and like we always like to say, more coverage is always better coverage.

Is public transit available in Abilene?

The city of Abilene has a public transportation system (a public bus) called City Link. Adult fixed-route fare rates cost $1.50 and if you are between the ages of 5-18, your fare costs $1.

For more info about City Link, please visit

Is there an alternative transportation in Abilene?

If you don’t prefer to drive or take the bus, all you have to do is hop on a Bird. Bird Scooters are located on a few corners of downtown Abilene, and all you have to do is get the app, pay through the app, and hop right on.

The scooters cost $1.20 per minute and all you have to do when you’re done is try to park it near a bike rack.

Is parking in metro areas available?

Public parking is very limited in and around the city of Abilene. If there’s a big event in Abilene, we recommend riding your bike or taking the bus. For more info on public parking in Abilene, visit Parkopedia.

We also looked at charging hubs in Abilene for electric vehicles. So far, there are two charging stations located in the southwest part of the city.

What’s the air quality in Abilene like?

Newer vehicles don’t often emit toxic fumes into the air, however, they can still pollute the air in some way or another.

Look at the table below to see the air quality in the Dallas-Fort Worth area from 2016-2018 as reported by the Environmental Protection Agency.

Dallas, Fort Worth, ArlingtonDays
Good DaysModerate DaysNumber of Days
Number of Days
Number of Days
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As you can see, the number of “unhealthy” days is minimal in the Dallas-Fort Worth-Arlington area.

Are there any military bases?

If you are a military veteran, or you currently serve in the military, you could be eligible for a military auto insurance discount in Abilene, Texas.

In this next section, we will go over everything you need to know about veteran statistics, the best military discount, veterans by service period who now reside in Abilene, and the military bases that are located in and around Abilene.

Abilene, TX has a large population of military personnel who served in the Gulf War (2001-), 1.46 times greater than any other conflict. Approximately 2,297 vets in Abilene served in the Vietnam War, 377 served in the Korean War and 337 served in World War II.

Thinking about joining the military? There are 15 military bases in the state of Texas:

Dyess Air Force base is located on the southern edge of the city of Abilene, Texas in Taylor County.

Here’s a list of top auto insurance companies that provide military discounts.

  • Allstate
  • Esurance
  • Farmers
  • Geico
  • Liberty Mutual
  • Metlife
  • Safe Auto
  • Safeco
  • State Farm
  • The General
  • USAA

In addition to their auto insurance discounts, USAA also offers discounts on military garaging for vehicles parked on military bases.

Keep in mind that some of these providers listed above have not revealed the exact percentage you can save as a military member or veteran, but this doesn’t mean they don’t offer military discounts.

This table below shows that USAA is the cheapest auto insurance provider for military members and their families.

American Family$4,609.49
State Farm$2,631.69
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What are some unique Abilene laws?

Before you go, you might want to take a look at some of these specific driving laws that are exclusive to the city of Abilene.

First, let’s discuss Abilene’s hands-free driving law.

Texas state law says that drivers may not text and drive, however, total hands-free driving laws vary from city to city. Cities close to Abilene, such as Liberty Hill and Wimberly have a total hands-free driving law, but a law still hasn’t been passed in Abilene to ban the act of talking on your phone while driving.

According to, all mobile food establishments serving food and/or drink in the city of Abilene must be inspected and permitted by the Environmental Health Section prior to serving food to the public. Mobile food establishments shall comply with the requirements of the Texas Food Establishment Rules, §228.221 and applicable Subchapters of A-J.

To obtain a copy of the mobile food establishment application, please click here.

Can you build a tiny house in Abilene, Texas? According to Nolo, in comparison to most other states, it is relatively easy to place a tiny house on rural land in Texas. This is due in large part to the fact that counties in Texas tend not to have the authority to enforce zoning regulations.

Wildlife protections, subdivision regulations, transportation standards, regulation of water supply,  and wastewater treatment could prohibit you from building a tiny house anywhere you want in Abilene.

For more info on building a tiny house in Abilene, please visit Texas Loc. Gov. Code, Section 231.

Let’s wrap up this section with Abilene parking laws. 

On December 7, 2006, the City Council approved amendments to Chapter 19 of the Abilene Municipal Code to require that all vehicles, including cars, trucks, trailers, recreational vehicles, travel trailers, boats or other watercraft, and motorcycles, be parked on an Improved Surface unless they are completely screened from public view.

Commercial vehicles with a rated capacity greater than one ton may not be parked on any public street, alley, parkway, boulevard, or public place in all zoning districts except Heavy Commercial and Heavy/Light Industrial.

Vehicles are not allowed to be parked in the yard of any residence.

Vehicles may be parked:

  • On improved parking surfaces composed of pavement, concrete, bricks, or similar materials
  • In areas screened from public view inside of a building or by solid or opaque fencing
  • On gravel driveways meeting the following requirements:
  • The parking area must be contained and clearly defined from the rest of the yard, by either lowering the ground surface enough to allow the top of the gravel to be flush with the existing yard, or by using some form of physical barrier such as landscape edging, bricks, concrete edging, or a similar treatment
  • The parking area must be constructed of granular limestone, sandy gravel, or asphalt milling. The material is required to be
    compacted to a density similar to the surrounding natural soils a minimum of three feet deep after compacting & free from contaminants such as topsoil or vegetation dense enough to prevent rutting

For more info about parking laws in Abilene, go to

Abilene car insurance FAQs

Before you go, check out our quick and easy question and answer section about Abilene car insurance.

What do I do if I get into an accident in Abilene?

A: According to NOLO, Under Texas’s status as a “fault” car accident state, drivers are required to demonstrate their financial responsibility for any crash they might cause. Most Texas drivers do this by buying car insurance, and state law requires certain minimum amounts of coverage.

Texas state law requires all drivers to carry minimum liability coverage at the very least:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability per accident you cause, and
  • $25,000 for property damage liability per accident you cause.

After an accident occurs, an injured driver, passenger, or pedestrian may decide to file a claim with his or her own auto insurance carrier first, in what’s known as a “first-party” claim.

This basic coverage — known as “30/60/25” coverage for short — pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause, up to coverage limits.

You can (and in some situations should) carry more coverage to protect you in case a serious crash results in significant car accident injuries and vehicle damage. Remember, once policy limits are exhausted, you are personally on the financial hook, so higher insurance limits can help protect your personal assets in the event of a serious crash.

What car insurance is required in Abilene, Texas?

A: In Texas, the law requires you to have the following minimum amounts of liability car insurance coverage:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability per accident you cause, and
  • $25,000 for property damage per accident you cause.

What is the cost of living in Abilene, Texas?

According to Sperling’s Best Places, Abilene’s cost of living is rated at 83.7, which is below the national median of 100.

  • The median price of a home in Abilene, Texas is $120,400.

What is the unemployment rate in Abilene, Texas?

Abilene has an unemployment rate of 3.4 percent. The US average is 3.9 percent.

Abilene has seen the job market increase by 2.0 percent over the last year. Future job growth over the next ten years is predicted to be 31.7 percent, which is lower than the US average of 33.5 percent.

What is Abilene, Texas known for?

Described by, Abilene is known as “the Future Great City of West Texas,” Abilene was established in March 1881 upon the completion of the Texas & Pacific Railroad. Abilene’s civic progressiveness and its logistic function as a regional center for distribution, commerce, industry, transportation, and education provide an assortment of lodging, dining, cultural, and shopping opportunities typically found only in much larger cities.

Are you ready to start shopping for your very own car insurance in Abilene, Texas? Don’t waste another minute by using our free car insurance tool right now! Enter your zip code in the box below to get started.

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