State Farm has the lowest car insurance rates in Abilene, starting at $440 annually for adult drivers with clean records. Young drivers pay $992 per year with State Farm, 126% more than adults. Senior drivers pay $510 annually with State Farm. Drivers convicted of a DWI pay $712 per year with State Farm, a 62% increase that can last three to five years on your record.
Car Insurance in Abilene
Updated: November 7, 2025
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Key Takeaways
State Farm offers the cheapest car insurance in Abilene. GEICO, AAA, Mercury Insurance and Progressive also provide coverage in the city.
Car insurance in Abilene costs an average of $717 per year for minimum coverage and $1,653 per year for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 per year for full coverage.
Who Has the Cheapest Car Insurance in Abilene?
| Young Drivers | GEICO | $86 |
| Adult Drivers | State Farm | $37 |
| Senior Drivers | State Farm | $43 |
| Drivers With an Accident | State Farm | $43 |
| Drivers With a DUI | State Farm | $59 |
| Drivers With a Speeding Ticket | State Farm | $37 |
| Drivers With Bad Credit | GEICO | $71 |
| Drivers With Newer Cars | GEICO | $54 |
| Drivers With Old Cars | State Farm | $33 |
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Cheapest Abilene Car Insurance by Company
State Farm offers minimum coverage at $440 per year in Abilene, undercutting the city average of $717 by 39%. Full coverage costs $1,014 per year with State Farm, giving the company the lowest rates for both coverage types.
GEICO charges $593 annually for minimum coverage, higher than State Farm but still competitive. You may get lower rates if you qualify for discounts like military service or federal employment.
| State Farm | $37 | $85 | -42% |
| GEICO | $49 | $101 | -28% |
| AAA | $50 | $105 | -26% |
| Mercury | $55 | $129 | -12% |
| Germania | $62 | $127 | -10% |
Cheapest Abilene Car Insurance by Age
Young drivers in Abilene pay $992 annually with State Farm, the highest rates due to limited driving experience. Adult drivers get the lowest rates at $440 per year with State Farm, saving 56% compared to younger drivers. Senior drivers pay $510 annually with State Farm, a 16% increase over adult rates. State Farm offers the best rates across all three age groups in Abilene.
Data filtered by:
Adult Drivers
| State Farm | $37 | $440 | -42% |
| Geico | $49 | $593 | -22% |
| AAA | $50 | $596 | -22% |
| Mercury Insurance | $55 | $661 | -13% |
| Farmers | $59 | $708 | -7% |
Cheapest Abilene Car Insurance by Driving Record
State Farm maintains rates at $440 per year for drivers with speeding tickets in Abilene, applying no penalty for this violation. At-fault accidents trigger moderate increases to $519 annually with State Farm. DWIs carry the steepest financial consequences at $712 per year with State Farm. This 62% jump adds $272 to annual premiums, a good reason to keep your driving record clean.
Data filtered by:
At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $43 | $519 | -0.52 |
| Farmers | $62 | $745 | -0.31 |
| Germania Insurance | $63 | $756 | -0.30 |
| Geico | $68 | $815 | -0.24 |
| AAA | $73 | $874 | -0.19 |
Best Car Insurance Companies in Abilene
State Farm combines Abilene's lowest premiums with strong customer satisfaction scores and multiple coverage options. AAA offers competitive rates and the best customer service ratings in the city.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 91 | 3 | 4 | 6 |
| GEICO | 91 | 2 | 6 | 6 |
| Mercury | 88 | 4 | 5 | 4 |
| Progressive | 86 | 6 | 2 | 2 |
State Farm: Lowest Rates in Abilene
pros
Lowest premiums in the city
Strong customer service ratings
Multiple driver discounts
cons
No gap insurance
Missing accident forgiveness program
COMPANY HIGHLIGHTS
State Farm has the lowest car insurance costs in Abilene, with strong customer satisfaction scores. Minimum coverage starts at $37 monthly, while full coverage costs $85. The company offers the best rates for seniors, drivers with at-fault accidents and drivers with DUIs. State Farm's customer service ratings translate to fast claims processing and responsive support when you need help.
AAA: Highest Customer Satisfaction Scores
pros
Fast claims processing
Roadside assistance included
24/7 phone support
cons
No good student discount
Costs $13 more monthly than State Farm for minimum coverage
COMPANY HIGHLIGHTS
AAA ranks second in Abilene with a MoneyGeek score of 91 out of 100. Minimum coverage costs $50 monthly, while full coverage runs $105 monthly. AAA doesn't offer the lowest rates for any driver category, but the company's customer satisfaction scores and claims processing speed make it worth considering if service matters more than price.
How Much Is Car Insurance in Abilene?
Abilene drivers pay an average of $717 per year for minimum coverage and $1,653 per year for full coverage. These rates fall below the Texas state average of $807 for minimum coverage.
State Farm's rates of $440 for minimum coverage sit well below Abilene's average. Drivers in this West Texas city enjoy lower premiums compared to major metropolitan areas like Dallas or Houston.
| Full Coverage | $138 | $1,653 |
| Minimum Coverage | $60 | $717 |
Abilene Car Insurance Costs by ZIP Code
In Abilene, car insurance rates by ZIP code range from $55 to $157 per month. ZIP code 79603 is the most expensive, while 79602 is the cheapest. Check the average rates for your ZIP code below.
Data filtered by:
79601
| 79601 | $56 | $130 |
How to Get the Best Cheap Abilene Car Insurance
Texas drivers pay higher-than-average insurance rates, but you can lower your premiums with these strategies.
- 1Calculate your coverage needs
Determine how much coverage you need based on your car's value, savings and deductible comfort level. Use our car insurance coverage needs calculator to find the right balance between cost and protection.
- 2Explore different insurance types
Pay-per-mile insurance saves money if you drive infrequently. Non-owner coverage works if you don't own a car but need liability protection. These auto insurance types cost less than traditional policies.
- 3Know the average costs
Research average vehicle insurance costs in Abilene before shopping. Knowing the baseline helps you spot good deals and avoid overpaying.
- 4Check discounts
Maximize savings through bundling policies, multi-car discounts, safe driver programs, good student discounts and military discounts if applicable.
- 5Research company reputations
Check customer reviews, claims satisfaction ratings and financial strength scores before choosing an insurer. Claims handling quality matters as much as low rates when you file a claim.
- 6Get quotes from multiple providers
Contact at least three insurance companies for quotes. Compare rates from local agents, online tools and carrier websites. Each company weighs rating factors differently.
- 7Review your policy annually
Review your car insurance policy every year. New discounts and better rates become available as your circumstances change.
Cheapest Car Insurance in Abilene: Bottom Line
Car insurance rates in Abilene depend on your age, driving record and credit score. State Farm and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Abilene Car Insurance: FAQ
Our FAQ section answers your questions about finding affordable car insurance in Abilene. We help you understand coverage options and costs so you can choose the right policy for your budget. Each answer is based on our analysis of local insurance providers.
What is the cheapest car insurance company in Abilene, Texas?
State Farm is the cheapest option in Abilene, with average rates of $440 for minimum coverage and $1,014 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Abilene?
State Farm ranks first in Abilene with a MoneyGeek score of 95 out of 100, 4 points higher than AAA.
What is the average cost of car insurance in Abilene?
In Abilene, drivers pay $1,653 for full coverage and $717 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Abilene expensive?
Car insurance in Abilene costs more than average, ranking 793rd for minimum coverage affordability and 805th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Abilene, TX
Our Research Approach
Abilene's car insurance market has unique pricing dynamics compared to major Texas cities. We analyzed rates across every ZIP code in Abilene to show you which companies offer the lowest premiums for your situation, whether you're a young driver paying high rates or a senior looking for discounts.
Sample Driver Profile
Our baseline profile uses:
- 40-year-old male with clean driving record
- 2012 Toyota Camry LE (common mid-sized sedan)
- 12,000 annual miles with good credit
- Currently insured with no claims history
We adjusted age, driving record, credit score and military affiliation to compare rates across different driver types. Young drivers with DUIs pay drastically different rates than seniors with clean records. Adjusting these factors shows which companies offer the best prices for each situation.
Coverage Levels Analyzed
Texas requires minimum coverage of:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For full coverage comparisons, we used:
- $100,000/$300,000/$100,000 liability limits
- Comprehensive and collision with $1,000 deductibles
These limits protect you beyond state minimums without paying for more coverage than you need.
How We Scored Companies
Our ratings reflect what matters when choosing car insurance:
- Affordability (60%): Quotes across multiple driver profiles identified the consistently low rates in Abilene. Most drivers care about price first.
- Customer Experience (30%): Google reviews, J.D. Power ratings, AM Best scores and Reddit discussions revealed real customer experiences with claims and service.
- Coverage Options (10%): Each company's available coverages and unique benefits matter less to Abilene drivers than getting a good rate.
- The 60/40/10 split helps you find reliable insurance at the best rate for your situation.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
