Updated: December 17, 2025
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State Farm: Cheapest across most driver profiles. At $36 monthly for minimum coverage and $84 for full coverage, State Farm saves drivers 42% compared to Abilene's average.
GEICO: Second cheapest at $49 monthly minimum and $100 full coverage. It's affordable for young drivers, seniors and drivers with speeding tickets.
AAA: Third cheapest at $50 monthly minimum and $105 full coverage, with rates 26% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Abilene:
State Farm offers the cheapest minimum coverage at $37 monthly, while GEICO is the second cheapest at $49. For full coverage, State Farm stays the cheapest at $85 monthly, with GEICO second at $101. Both save you over 28% compared to Abilene's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $37 | $85 | -42% |
| Geico | $49 | $101 | -28% |
| AAA | $50 | $105 | -26% |
| Mercury Insurance | $55 | $129 | -12% |
| Germania Insurance | $62 | $127 | -10% |
Not in Abilene? Read more about the cheapest car insurance in Texas or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. GEICO offers the cheapest full coverage at $181 monthly. State Farm charges $189, and AAA costs $236.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Geico | $181 | $2,170 | -43% |
| State Farm | $189 | $2,264 | -41% |
| AAA | $236 | $2,834 | -26% |
| Germania Insurance | $240 | $2,886 | -24% |
| Farmers | $377 | $4,523 | 18% |
Senior drivers in Abilene pay lower rates than most age groups. State Farm charges the least at $95 monthly for full coverage. GEICO costs $119, and Germania Insurance charges $132. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $95 | $1,137 | -44% |
| Geico | $119 | $1,425 | -30% |
| Germania Insurance | $132 | $1,578 | -22% |
| AAA | $135 | $1,618 | -20% |
| Progressive | $170 | $2,043 | 1% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $43 monthly for minimum coverage, compared to Farmers' $62. For speeding tickets, State Farm costs $37 a month, and GEICO charges $57. State Farm offers the best DUI rates at $59 monthly, with Farmers at $67.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $43 | -52% |
| At-Fault Accident | Farmers | $62 | -31% |
| DUI | State Farm | $59 | -40% |
| DUI | Farmers | $67 | -32% |
| Speeding Ticket | State Farm | $37 | -51% |
| Speeding Ticket | Geico | $57 | -24% |
Abilene rates span $127 to $157 monthly for full coverage, depending on your ZIP code. High-risk areas like 79603 cost $157. Safer neighborhoods like 79602 cost $127.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $30 monthly gap between Abilene's most and least expensive ZIP codes.
| 79603 | $157 |
| 79606 | $156 |
| 79697 | $144 |
| 79699 | $133 |
| 79698 | $132 |
| 79605 | $131 |
| 79601 | $130 |
| 79607 | $129 |
| 79602 | $127 |
| 79602 | $127 |
| 79607 | $129 |
| 79601 | $130 |
| 79605 | $131 |
| 79698 | $132 |
| 79699 | $133 |
| 79697 | $144 |
| 79606 | $156 |
| 79603 | $157 |
State Farm leads Abilene's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
AAA, GEICO, Mercury and Progressive are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 91 | 3 | 4 | 6 |
| Geico | 91 | 2 | 6 | 6 |
| Mercury Insurance | 88 | 4 | 5 | 4 |
| Progressive | 86 | 6 | 2 | 2 |
Cheapest rates across all driver profiles
Full coverage rates 42% below city average
4.5 out of 5 customer service rating
Slower claim processing than other providers
Limited coverage options compared to competitors
State Farm ranks first in Abilene with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 42% below the city average and provides fast claims processing through its local agent network and 24/7 digital tools. State Farm handles Abilene's unpredictable weather with comprehensive coverage for hail damage and heavy rains. Its Drive Safe and Save program rewards safe driving habits with additional discounts.
Strong customer service with 24/7 support
Competitive rates for young drivers
Nationwide roadside assistance
Pre-designed packages limit policy customization options
Limited online tools for claims and policy management
Fewer coverage options than most competitors
AAA ranks second in Abilene with strong customer service scores and competitive rates for young drivers. It combines 24/7 digital tools with prompt claims handling through its app, phone and web access.
AAA handles Abilene's unpredictable weather risks with comprehensive coverage for severe thunderstorms, hail and tornadoes. Its nationwide roadside assistance covers flat tires and fuel delivery on less populated roads around Abilene.
Abilene drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Abilene's risk profile. Your driving record improves after three years, unlocking lower rates.
Our experts guide Abilene drivers through insurance options and pricing to secure quality coverage without overpaying.
Abilene car insurance is moderately expensive. It costs $138 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Abilene starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 79603 often pay much more than those in 79602.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Abilene ZIP code.
Our ratings for the best car insurance in Abilene are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Abilene neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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.
