Compare Killeen, TX Car Insurance Rates (2021)

The cheapest car insurance in Killeen, TX that’s offered to all drivers is from State Farm. Killeen drivers must meet the state minimum car insurance requirements of 30/60/25 in liability coverage, although drivers are encouraged to carry higher limits and additional coverages. Compare Killeen, TX auto insurance rates online to find the best deal.

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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: Aug 9, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance in Killeen, TX
  • Fort Hood is located in Killeen and contributes to traffic in the area
  • The minimum amount of car insurance in Texas is 30/60/25 in liability coverage

Killeen, TX car insurance is relatively inexpensive, although Texas car insurance is higher than the national average.

The best way to find affordable Killeen, TX car insurance is to shop around and compare quotes from multiple companies because each company will charge different rates.

Monthly Killeen, TX Car Insurance Rates by ZIP Code

Find more info about the monthly Killeen, TX auto insurance rates by ZIP Code below:

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Killeen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Killeen, TX against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Killeen, TX car insurance rates.

What is the cheapest car insurance company in Killeen, TX?

The cheapest car insurance company in Killeen is actually USAA, but it only offers coverage to the military, veterans, and their families. State Farm is the cheapest company that offers coverage to everyone.

The cheapest Killeen, TX car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Texas car insurance company rates?” We cover that as well.

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The top car insurance companies in Killeen, TX ranked from least to most expensive are:

  • USAA – $2,202.42
  • State Farm – $2,678.96
  • GEICO – $2,718.86
  • Nationwide – $3,039.60
  • Progressive – $3,734.42
  • American Family – $4,281.63
  • Allstate – $4,975.95

Auto insurance companies use many different factors to determine your rates. Your age, gender, driving record, and credit history are all used to calculate your rates.

Where you live affects your rates too. For example, Austin is a nearby large city, and Austin car insurance is much higher due to more traffic and higher theft.

Because these factors are different for everyone, rates will vary by driver.

Killeen, Texas car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Killeen, TX car insurance rates. Find the cheapest Killeen, Texas car insurance rates by coverage level below:

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Your credit score will play a major role in your Killeen, TX car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Killeen, Texas car insurance rates by credit score below.

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Your driving record will affect your Killeen car insurance rates. For example, a Killeen, Texas DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Killeen, Texas car insurance rates by driving record.

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Factors affecting car insurance rates in Killeen, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Killeen, Texas car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Killeen. TX does use gender, so check out the average monthly car insurance rates by age and gender in Killeen, TX.

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What car insurance coverage is required in Killeen, TX?

Most states require at least a minimum amount of car insurance coverage. Drivers in Killeen, TX must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering TX weather like hurricanes can damage your car.

Adding these coverages to your car insurance policy will ensure you are covered for damages.

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What affects car insurance rates in Killeen, TX?

Traffic can play a part in your car insurance rates. More traffic equals a great chance of getting in an accident.

Although INRIX doesn’t have data for Killeen, it does rank nearby Austin, TX as the 18th most congested city in the U.S. and the 78th most congested city in the world.

However, City-Data reports that Killeen, TX has an average commute time of 15-20 minutes. The good news is that Killeen drivers don’t have to deal with the traffic from Austin.

Although theft can also raise car insurance rates, the FBI shows only 566 motor vehicle thefts in Killeen in one year.

Killeen, TX Car Insurance: The Bottom Line

Although car insurance in Killeen isn’t the most expensive in the state, you still want to make sure you’re getting the best deal. Shop around before you buy Killeen, TX car insurance to compare rates.

Enter your ZIP code now to compare Killeen, TX car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Killeen, TX Car Insurance Rates by ZIP Code
Killeen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Killeen, TX Car Insurance Rates by Company vs. City Average
Killeen, TX Car Insurance Rates by Company and Age
The Cheapest Killeen, TX Car Insurance Rates by Coverage Level
The Cheapest Killeen, TX Car Insurance Rates by Credit Score
The Cheapest Killeen, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Killeen, TX
Average Monthly Car Insurance Rates by Age & Gender in Killeen, TX
Monthly Killeen, TX Car Insurance Rates by ZIP Code
Killeen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Killeen, TX Car Insurance Rates by Company vs. City Average
Killeen, TX Car Insurance Rates by Company and Age
The Cheapest Killeen, TX Car Insurance Rates by Coverage Level
The Cheapest Killeen, TX Car Insurance Rates by Credit Score
The Cheapest Killeen, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Killeen, TX
Average Monthly Car Insurance Rates by Age & Gender in Killeen, TX