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

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Last Updated: 5/16/2022
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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

Affordability isn’t the only consideration when you’re choosing a car insurance company. You also need to factor in customer service experience and the financial stability of the insurance company, which can affect claims.

Using a unique scoring system, MoneyGeek evaluated insurers on these criteria and determined that the best overall car insurance companies in Abilene are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA came first in MoneyGeek's analysis, but because their car insurance policies are only available to present and former military members, we did not include them in our list.

MoneyGeek calculated the final scores for these car insurance companies using several factors, such as insurer financial stability, customer satisfaction and affordability. We used data from independent outfits, including consumer intelligence company J. D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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
rain icon
Most Annual Rainfall188th/300
umbrella icon
Most Rainy Days225th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Abilene are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

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.