State Farm offers the lowest car insurance rates in Abilene, with average annual premiums of $440 for minimum coverage and $1,014 for full coverage. GEICO, AAA and Mercury also offer affordable coverage in the city.
Car Insurance in Abilene
Updated: August 7, 2025
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Key Takeaways
The cheapest car insurance companies in Abilene include State Farm, GEICO and AAA, with rates up to 42% lower than the city average.
In Abilene, monthly car insurance costs average $138 for full coverage and $60 for minimum coverage.
You'll find the best cheap auto insurance in Abilene by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Abilene?
| 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 Category
State Farm offers the cheapest rates in six driver categories in Abilene. GEICO leads affordability for young drivers, those with bad credit and drivers with newer cars.
| 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 |
Compare the Cheapest Abilene Car Insurance for You
Your car insurance rates depend heavily on your driving history, age and other personal factors. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $37 | $440 | -42% |
| Geico | $49 | $593 | -22% |
| AAA | $50 | $596 | -22% |
| Mercury Insurance | $55 | $661 | -13% |
| Farmers | $59 | $708 | -7% |
Best Car Insurance Companies in Abilene
In Abilene, the top car insurance companies are State Farm, AAA, GEICO and Mercury. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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: Best Value Overall
pros
Most affordable rates in Abilene
Strong customer service ratings
Multiple driver discounts available
cons
Limited coverage options
Few add-on coverages
COMPANY HIGHLIGHTS
State Farm leads Abilene's car insurance market with the lowest rates and strong customer satisfaction scores. Their minimum coverage starts at $37 monthly, while full coverage costs $85 monthly. State Farm offers the best rates for most driver categories, including seniors, those with accidents, and drivers with DUIs. Their high customer service ratings mean efficient claims processing and helpful support.
AAA: Best for Customer Service
pros
Reliable claims handling
Competitive rates
Strong customer support
cons
Fewer discounts than competitors
Higher minimum coverage costs
COMPANY HIGHLIGHTS
AAA earns second place with consistent performance across all rating categories. They balance competitive rates with quality service, though their minimum coverage costs more at $50 monthly. Full coverage runs $105 monthly. While AAA doesn't lead any specific driver categories, they maintain strong customer satisfaction scores and reliable claims processing. Their main drawback is a smaller discount selection compared to other providers.
How Much Is Car Insurance in Abilene?
In Abilene, minimum coverage costs about $60 per month or $717 per year, ranking 793rd out of all Texas cities for affordability. Full coverage averages $138 monthly or $1,653 annually, ranking 805th among Texas cities.
| Full Coverage | $138 | $1,653 |
| Minimum Coverage | $60 | $717 |
Abilene Car Insurance Cost by Category
In Abilene, monthly coverage costs vary from $54 to $315 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $140 | $300 |
| Adult Drivers | $60 | $138 |
| Senior Drivers | $77 | $161 |
| Drivers With an Accident | $85 | $192 |
| Drivers With a DUI | $94 | $202 |
| Drivers With a Speeding Ticket | $70 | $163 |
| Drivers With Bad Credit | $133 | $315 |
| Drivers With Newer Cars | $73 | $170 |
| Drivers With Old Cars | $54 | $125 |
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.
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ZIP Code:79601
| 79601 | $56 | $130 |
Compare Personalized Abilene Car Insurance Costs
While basic rate breakdowns help, filter the table below to match your exact profile by combining factors like age and driving history.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $62 | $749 | -8% |
How to Get the Best Cheap Abilene Car Insurance
Finding affordable car insurance in Abilene can feel overwhelming, especially with Texas's higher-than-average rates and complex coverage options. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the coverage you need.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to understand what coverage levels make sense for your budget and risk tolerance. Consider factors like your car's value, your savings and your comfort level with different deductibles.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Non-owner coverage might be your best bet. These alternative options often cost less than traditional policies.
- 3
Know the average costs
Research average vehicle insurance costs in Abilene to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates across different companies and coverage levels.
- 4
Check available discounts
Maximize your savings by exploring every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts, and military discounts if they apply to you.
- 5
Research company reputations
Look beyond just prices when choosing an insurer. Check customer reviews, claims satisfaction ratings, and financial strength scores. A company's reputation for customer service and claims handling in Abilene can be just as important as competitive rates.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites to ensure you're getting the best rates. Each company uses different factors to set rates, so comparing multiple quotes is essential.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Your needs and circumstances change over time, and new discounts or better rates might become available. Regular policy reviews ensure you maintain the right coverage at the best possible price.
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 comes from our thorough research 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 leads Abilene's car insurance market with a MoneyGeek score of 95 out of 100, scoring 4 points higher than AAA. The company delivers excellent service and competitive rates.
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
To help Abilene drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Abilene Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Abilene
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.