Compare the Cheapest Car Insurance Quotes in Abilene

In Abilene, the average cost of car insurance is $1,065 per year, which is 19.1% less than the state average. The cheapest firm on average is USAA, but it serves only veterans, current military members and their families. For the general public, the best option is Farmers, at $675 annually.

MoneyGeek evaluated the cheapest companies by coverage amount and driving history to find a suitable rate for your profile. For drivers who want both quality and affordability, we recommend the best providers in Abilene.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/3/2022
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Car insurance rates vary depending on your profile and driving record, the coverage you choose and the insurance company you buy your policy from. Farmers offers the cheapest average premiums for full coverage and state minimum policies. State Farm has the lowest rates after a speeding ticket, while USAA is an affordable option if you come from a military family. MoneyGeek’s analysis found GEICO to be the best overall car insurance company in Abilene, with its balance of quality customer service and affordability.

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The Cheapest and Best Car Insurance in Abilene

The Cheapest Car Insurance Companies in Abilene

Full coverage car insurance typically includes collision and comprehensive insurance. It helps cover the costs of repairs if your car is damaged. The cheapest, widely available car insurance companies in Abilene are:

  • Farmers: $675 per year
  • State Farm: $713 per year

USAA is actually the cheapest in the city, with a full coverage car insurance policy that costs $665 per year on average. However, the insurer is exclusive to former and current members of the military.

Rates vary between insurers. Comparing quotes is crucial to ensure you don’t end up paying higher premiums. An example here is The General, which offers a similar policy for $2,139, which is nearly 217% more than Farmers.

Cheapest Car Insurance in Abilene
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $665
  • 2.
    Farmers
    $675
  • 3.
    State Farm
    $713
  • 4.
    GEICO
    $757
  • 5.
    AAA
    $818
  • 6.
    Esurance
    $838
  • 7.
    Allstate
    $1,050
  • 8.
    Nationwide
    $1,118
  • 9.
    Mercury
    $1,144
  • 10.
    MetLife
    $1,398
  • 11.
    The General
    $2,139

According to MoneyGeek’s methodology, we used the average rates for a 40-year-old male driver with a full coverage policy in our analysis.

Full coverage insurance always costs more than minimum coverage, but it gives more protection against possible damages to your car. On top of the minimum insurance required in Texas, it includes the following:

  • Collision Insurance — helps cover damages caused by accidents.
  • Comprehensive Insurance — helps pay for repairs from non-collision-related incidents.

If you have an older car, you may wish to consider liability-only coverage. That’s because the premiums for full coverage insurance may add up to more than the replacement value of your vehicle

Compare Car Insurance Rates in Abilene

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Abilene for Minimum Coverage

Purchasing a policy with state minimum coverage only is your cheapest car insurance option. The most affordable options for minimum coverage in Abilene are:

  • Farmers: $323 per year
  • State Farm: $364 per year

USAA offers a similar policy for an even lower annual average premium of $290, but it’s only available to drivers who are veterans or currently serving in the military.

The General, on the other hand, has the highest premium in the city at $847 annually. That’s $524 more than Farmers for the same coverage.

Minimum coverage is so affordable because it doesn't include comprehensive and collision insurance. You can use the table below to see how rates change if you opt for higher liability limits.

Cheapest Minimum Liability Car Insurance in Abilene
State Minimum

Texas drivers, by law, must meet the minimum car insurance requirements in the state, which are 30/60/25. While state minimum coverage may cost you less in premiums than a full coverage policy, you can end up paying much more if you get into an accident.

Let’s say you’re in an at-fault accident and the other driver’s medical bills are $50,000. With state minimum insurance, your insurer only covers up to $30,000. You’ll have to use your resources to pay for the rest.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Abilene if You Have Driving Violations

Any violation, whether a speeding ticket, accident or DUI, causes your premiums to increase. If you have violations on your driving records, the cheapest car insurance in Abilene is:

  • Cheapest after a ticket: State Farm, $713 per year
  • Cheapest after an at-fault accident: State Farm, $859 per year
  • Cheapest after a DUI: Esurance, $838 per year

The best way to lower your premiums is to improve your driving record. That takes time, so comparing quotes from multiple insurers can help you find the most affordable insurance in the city for drivers with bad records.

Cheapest Car Insurance in Abilene With a Violation
Speeding Ticket

Average Cost of Car Insurance in Abilene

Abilene$1,065
Texas$1,316
U.S.$1,424

The average annual cost of car insurance in Abilene is $1,065, which is 19.1% less than the state average and 25.2% cheaper than the national average. Comparing quotes and shopping around for car insurance is a great way to find the best prices.

Personalized Quotes to Get You the Cheapest Car Insurance in Abilene

MoneyGeek encourages drivers in Abilene to get customized quotes because their rates depend on factors such as age, car make and model, coverage level, miles driven per year, driving record and more. Drivers should ideally get quotes regularly so they can check if they qualify for discounts and rebates as their circumstances change. To find affordable premiums, you should compare car insurance quotes from several providers.

Compare Car Insurance Rates in Abilene

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Abilene

MoneyGeek researched the best car insurance companies in Abilene by reviewing average rates, claims ratings and user satisfaction scores. Based on these factors, the top car insurance companies in Abilene are:

  • State Farm: MoneyGeek score of 94 out of 100
  • Farmers: MoneyGeek score of 92 out of 100

Since USAA exclusively caters to military members and their families, MoneyGeek didn’t include it for this analysis. However, USAA earned a perfect MoneyGeek score of 97 out of 100, making it the best car insurance company in Abilene for military families.


1
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

In Abilene, State Farm scored high in terms of affordability, customer satisfaction and claims. With an average cost of $713 per year in Abilene, policyholders may add rideshare insurance coverage to their policies.

More About State Farm

State Farm excels in different categories, making it the best auto insurance company in Abilene. State Farm makes it possible to include roadside assistance, rental car reimbursement and rideshare insurance in a standard policy. Rideshare insurance isn’t commonly often offered by other providers. This feature ensures that all coverage from your personal policy continues to cover you while working for a ridesharing service. It fills the gaps where your coverage auto insurance policy doesn’t cover you.

Read MoneyGeek's State Farm auto Insurance Review
2
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Aside from its high affordability score, Farmers also scores highly in customer satisfaction and claims. With an average cost of $675 per year in Abilene, policyholders are able to add original equipment manufacturer (OEM) coverage to their coverage.

More About Farmers

Farmers ranks second among the best car insurance companies in Abilene. This insurance provider lets its customers add custom parts coverage, new car replacement, and original equipment manufacturer (OEM) coverage to their policy. Rideshare insurance isn’t common among other car insurance providers. This add-on ensures that all customers are covered when they start working for a ride-sharing service. The OEM coverage covers the expenses of using factory-original parts in covered repairs in cars up to 10 years old.

Read MoneyGeek's Farmers auto Insurance Review

Average Cost of Car Insurance by Postal Code

Your ZIP code in Abilene, Texas, plays a role in your car insurance costs because high numbers of accidents, car-theft incidents and uninsured motorists in an area can increase car insurance rates. In Abilene, there is a difference of $27 between the cheapest and the most expensive neighborhoods for auto insurance.

  • Zip Code
    State Minimumper year
  • 79601
    $1,051
  • 79605
    $1,078

Factors That Impact Insurance Costs in Abilene

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Abilene. How Abilene ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities123rd/300
handcuffs2 icon
Most Car Thefts55th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall188th/300
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Most Rainy Days225th/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.