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The Abilene car insurance provider for you depends on your unique needs and preferences. That said, on average, State Farm is the most budget-friendly insurer for full coverage insurance and for people with at-fault accidents and DUIs. Nationwide is the least expensive for teens, and Texas Farm Bureau Group is the cheapest for drivers with speeding tickets.

If you prioritize quality service over cost, Chubb is the best auto insurance provider for customer service. State Farm is the best cheap company. Both companies balance quality and affordability.

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2023

Cheapest and Best Car Insurance in Abilene, TX

Cheapest Minimum Liability Car Insurance in Abilene

MoneyGeek’s analysis found State Farm is the cheapest auto insurance company in Abilene, TX. These companies offer the lowest rates in Abilene:

  • Allstate: $261 per year
  • State Farm: $263 per year

At $807 per year, Dairyland is Abilene's most expensive auto insurer. However, State Farm is also the overall cheapest car insurance provider in Texas, with an average annual rate of $300 as of October 2022. This means Abilene is one of the more affordable cities for auto insurance in the state.

Company
Annual Premium
Monthly Premium

State Farm

$244

$20

Allstate

$261

$22

State Farm

$263

$22

Allstate

$269

$22

Texas Farm Bureau

$274

$23

Mercury

$312

$26

Texas Farm Bureau

$314

$26

State Farm

$321

$27

Allstate

$327

$27

AAA Texas

$334

$28

Mercury

$336

$28

AAA Texas

$358

$30

Mercury

$396

$33

Texas Farm Bureau

$400

$33

Chubb

$409

$34

AAA Texas

$428

$36

GEICO

$447

$37

Chubb

$449

$37

Progressive

$454

$38

Nationwide

$458

$38

Progressive

$464

$39

GEICO

$466

$39

Nationwide

$479

$40

GEICO

$505

$42

State Farm

$517

$43

Progressive

$536

$45

State Farm

$569

$47

Texas Farm Bureau

$590

$49

National General

$592

$49

Foremost

$606

$50

National General

$611

$51

Nationwide

$637

$53

Allstate

$687

$57

Foremost

$701

$58

Texas Farm Bureau

$717

$60

State Farm

$739

$62

National General

$751

$63

AAA Texas

$767

$64

AAA Texas

$773

$64

Dairyland

$786

$65

Chubb

$788

$66

GEICO

$790

$66

Dairyland

$807

$67

Allstate

$808

$67

Mercury

$812

$68

Nationwide

$820

$68

GEICO

$822

$69

Mercury

$824

$69

Foremost

$827

$69

Texas Farm Bureau

$875

$73

GEICO

$955

$80

Dairyland

$958

$80

Nationwide

$1,004

$84

AAA Texas

$1,005

$84

Chubb

$1,032

$86

Allstate

$1,081

$90

Mercury

$1,090

$91

Nationwide

$1,204

$100

Chubb

$1,214

$101

National General

$1,268

$106

Foremost

$1,300

$108

Progressive

$1,331

$111

Foremost

$1,366

$114

National General

$1,382

$115

Progressive

$1,429

$119

Dairyland

$1,511

$126

National General

$1,575

$131

Dairyland

$1,720

$143

Foremost

$1,721

$143

Progressive

$1,753

$146

Chubb

$1,807

$151

Dairyland

$2,108

$176

In Texas, the minimum coverage required by law is "30/60/25." The breakdown is as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

If you’re in an at-fault accident, minimum liability insurance offers some protection. But it primarily focuses on the other car and its driver and passengers. With the minimum amounts above, that $30,000 is for someone in the other vehicle. The insurance company pays no more than $30,000 per person in that car, capping out at no more than $60,000. If someone needs more than $30,000 in medical care or medical expenses go above $60,000 altogether, you pay for the rest out of pocket. The same goes for their property damage.

Cheapest Full Coverage Car Insurance in Abilene

In Abilene, State Farm offers the cheapest full coverage auto insurance. MoneyGeek review found these companies offer the most affordable comprehensive coverage in the city.

  • State Farm: $569 per year
  • Texas Farm Bureau Group: $717 per year

We found that Dairyland is the most expensive full coverage car insurance company in Abilene, averaging $1,720 annually. Across Texas, State Farm once again is the most affordable full coverage provider at an average of $711 as of October 2022. Location affects cost, and Abilene is comparatively budget-friendly for car insurance.

Company
Annual Premium
Monthly Premium

State Farm

$244

$20

Allstate

$261

$22

State Farm

$263

$22

Allstate

$269

$22

Texas Farm Bureau

$274

$23

Mercury

$312

$26

Texas Farm Bureau

$314

$26

State Farm

$321

$27

Allstate

$327

$27

AAA Texas

$334

$28

Mercury

$336

$28

AAA Texas

$358

$30

Mercury

$396

$33

Texas Farm Bureau

$400

$33

Chubb

$409

$34

AAA Texas

$428

$36

GEICO

$447

$37

Chubb

$449

$37

Progressive

$454

$38

Nationwide

$458

$38

Progressive

$464

$39

GEICO

$466

$39

Nationwide

$479

$40

GEICO

$505

$42

State Farm

$517

$43

Progressive

$536

$45

State Farm

$569

$47

Texas Farm Bureau

$590

$49

National General

$592

$49

Foremost

$606

$50

National General

$611

$51

Nationwide

$637

$53

Allstate

$687

$57

Foremost

$701

$58

Texas Farm Bureau

$717

$60

State Farm

$739

$62

National General

$751

$63

AAA Texas

$767

$64

AAA Texas

$773

$64

Dairyland

$786

$65

Chubb

$788

$66

GEICO

$790

$66

Dairyland

$807

$67

Allstate

$808

$67

Mercury

$812

$68

Nationwide

$820

$68

GEICO

$822

$69

Mercury

$824

$69

Foremost

$827

$69

Texas Farm Bureau

$875

$73

GEICO

$955

$80

Dairyland

$958

$80

Nationwide

$1,004

$84

AAA Texas

$1,005

$84

Chubb

$1,032

$86

Allstate

$1,081

$90

Mercury

$1,090

$91

Nationwide

$1,204

$100

Chubb

$1,214

$101

National General

$1,268

$106

Foremost

$1,300

$108

Progressive

$1,331

$111

Foremost

$1,366

$114

National General

$1,382

$115

Progressive

$1,429

$119

Dairyland

$1,511

$126

National General

$1,575

$131

Dairyland

$1,720

$143

Foremost

$1,721

$143

Progressive

$1,753

$146

Chubb

$1,807

$151

Dairyland

$2,108

$176

A full coverage policy in Texas adds Comprehensive and Collision Insurance.

  • Collision Insurance: This pays for damages to your vehicle caused by a collision with an object or vehicle
  • Comprehensive Insurance: This covers non-collision damages from issues like hail, fire, theft and vandalism.

Full coverage is ideal for those with newer, expensive vehicles. But it may not be worth the additional cost for low-value older vehicles.

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Cheapest Car Insurance in Abilene After a Driving Offense

The following insurance companies offer the cheapest auto insurance for drivers with traffic infractions:

  • Speeding ticket: Texas Farm Bureau Group ($717 per year)
  • At-fault accident: State Farm ($706 per year)
  • DUI: State Farm ($1,037 per year)

Nationwide is the priciest for drivers with DUIs ($1,809). Meanwhile, National General charges the most for those with at-fault accidents ($1,964) and speeding tickets ($1,646) on their records.

Almost without fail, infractions raise premiums. Getting the lowest possible rates may be nearly impossible unless you have a clean record.

Company
Annual Premium
Monthly Premium

State Farm

$244

$20

Allstate

$261

$22

State Farm

$263

$22

Allstate

$269

$22

Texas Farm Bureau

$274

$23

Texas Farm Bureau

$314

$26

State Farm

$315

$26

State Farm

$321

$27

Allstate

$327

$27

State Farm

$335

$28

State Farm

$399

$33

Texas Farm Bureau

$400

$33

Mercury

$427

$36

Mercury

$434

$36

Chubb

$442

$37

Allstate

$444

$37

AAA Texas

$450

$38

Allstate

$456

$38

AAA Texas

$481

$40

Allstate

$485

$40

Chubb

$485

$40

State Farm

$488

$41

Progressive

$495

$41

Texas Farm Bureau

$498

$42

Allstate

$498

$42

GEICO

$500

$42

Mercury

$502

$42

AAA Texas

$506

$42

State Farm

$508

$42

Mercury

$515

$43

State Farm

$517

$43

Mercury

$522

$44

GEICO

$523

$44

AAA Texas

$530

$44

Progressive

$533

$44

Texas Farm Bureau

$534

$45

Progressive

$537

$45

Nationwide

$538

$45

Mercury

$539

$45

GEICO

$541

$45

AAA Texas

$541

$45

Allstate

$557

$46

Nationwide

$559

$47

AAA Texas

$568

$47

State Farm

$569

$47

State Farm

$572

$48

AAA Texas

$576

$48

Progressive

$579

$48

Progressive

$586

$49

Texas Farm Bureau

$590

$49

GEICO

$596

$50

Allstate

$609

$51

Texas Farm Bureau

$609

$51

Chubb

$610

$51

Progressive

$629

$52

Mercury

$631

$53

GEICO

$636

$53

AAA Texas

$648

$54

GEICO

$648

$54

State Farm

$651

$54

National General

$670

$56

Chubb

$671

$56

AAA Texas

$679

$57

Foremost

$680

$57

National General

$682

$57

Progressive

$683

$57

Texas Farm Bureau

$683

$57

Allstate

$687

$57

National General

$692

$58

Texas Farm Bureau

$705

$59

State Farm

$706

$59

National General

$709

$59

Texas Farm Bureau

$717

$60

Nationwide

$726

$61

Foremost

$730

$61

State Farm

$739

$62

Mercury

$743

$62

GEICO

$748

$62

Progressive

$749

$62

Nationwide

$749

$62

GEICO

$750

$63

Nationwide

$777

$65

Progressive

$784

$65

Foremost

$795

$66

Chubb

$799

$67

Dairyland

$800

$67

Allstate

$808

$67

Mercury

$810

$67

GEICO

$814

$68

Dairyland

$821

$68

National General

$850

$71

Chubb

$851

$71

National General

$853

$71

Foremost

$859

$72

Texas Farm Bureau

$875

$73

Chubb

$877

$73

State Farm

$894

$74

Foremost

$904

$75

Texas Farm Bureau

$916

$76

Nationwide

$926

$77

National General

$927

$77

Nationwide

$930

$78

GEICO

$932

$78

GEICO

$951

$79

Foremost

$954

$80

Nationwide

$954

$80

National General

$969

$81

Dairyland

$975

$81

State Farm

$981

$82

Texas Farm Bureau

$995

$83

AAA Texas

$996

$83

AAA Texas

$1,001

$83

State Farm

$1,037

$86

Dairyland

$1,039

$87

Allstate

$1,056

$88

GEICO

$1,057

$88

Mercury

$1,071

$89

Allstate

$1,081

$90

Nationwide

$1,084

$90

AAA Texas

$1,101

$92

AAA Texas

$1,105

$92

Nationwide

$1,107

$92

Allstate

$1,109

$92

National General

$1,110

$92

Dairyland

$1,115

$93

Chubb

$1,117

$93

GEICO

$1,125

$94

GEICO

$1,130

$94

Texas Farm Bureau

$1,131

$94

Mercury

$1,141

$95

AAA Texas

$1,148

$96

AAA Texas

$1,151

$96

Texas Farm Bureau

$1,154

$96

Mercury

$1,158

$97

Dairyland

$1,160

$97

Nationwide

$1,166

$97

Chubb

$1,177

$98

Dairyland

$1,186

$99

Allstate

$1,204

$100

State Farm

$1,224

$102

Allstate

$1,250

$104

GEICO

$1,252

$104

Dairyland

$1,263

$105

Mercury

$1,280

$107

AAA Texas

$1,307

$109

Chubb

$1,312

$109

Mercury

$1,359

$113

Texas Farm Bureau

$1,361

$113

Nationwide

$1,367

$114

Dairyland

$1,375

$115

GEICO

$1,380

$115

Nationwide

$1,380

$115

GEICO

$1,410

$118

Texas Farm Bureau

$1,419

$118

Mercury

$1,432

$119

AAA Texas

$1,444

$120

GEICO

$1,452

$121

National General

$1,477

$123

Foremost

$1,480

$123

Nationwide

$1,484

$124

Foremost

$1,485

$124

AAA Texas

$1,505

$125

Dairyland

$1,525

$127

Chubb

$1,541

$128

Chubb

$1,542

$129

Progressive

$1,543

$129

Foremost

$1,567

$131

National General

$1,568

$131

Mercury

$1,578

$131

Progressive

$1,585

$132

Foremost

$1,586

$132

Allstate

$1,616

$135

National General

$1,646

$137

National General

$1,663

$139

Allstate

$1,681

$140

Foremost

$1,690

$141

Progressive

$1,692

$141

Texas Farm Bureau

$1,704

$142

Nationwide

$1,705

$142

Progressive

$1,729

$144

Dairyland

$1,734

$145

Foremost

$1,769

$147

National General

$1,785

$149

Nationwide

$1,809

$151

Chubb

$1,816

$151

Mercury

$1,846

$154

Foremost

$1,855

$155

Nationwide

$1,885

$157

Foremost

$1,907

$159

Progressive

$1,908

$159

Mercury

$1,938

$161

Chubb

$1,952

$163

National General

$1,964

$164

Foremost

$2,013

$168

Chubb

$2,021

$168

Dairyland

$2,034

$170

National General

$2,043

$170

Progressive

$2,050

$171

Dairyland

$2,087

$174

Progressive

$2,115

$176

Progressive

$2,116

$176

Dairyland

$2,125

$177

National General

$2,209

$184

Nationwide

$2,242

$187

National General

$2,272

$189

Dairyland

$2,345

$195

Chubb

$2,378

$198

Dairyland

$2,392

$199

Dairyland

$2,394

$199

Progressive

$2,468

$206

Dairyland

$2,653

$221

Chubb

$2,703

$225

Foremost

$2,916

$243

Foremost

$3,352

$279

Foremost

$3,453

$288

Chubb

$3,541

$295

Auto insurance rates can vary significantly depending on the type of violation. For example, in Abilene, the cheapest auto insurance rate after a ticket is $717, while the most affordable rate after a DUI is $1,037—a difference of $320. The more severe the offense, the higher the rate generally is.

Cheapest Car Insurance in Abilene for Teens and Their Families

Teens on family policies can get the most affordable auto insurance from Nationwide. Our picks for 16-year-olds in this situation are as follows:

  • Nationwide: $1,437 per year for female teens; $1,638 per year for male teens
  • State Farm: 1,501 per year for female teens; $1,815 per year for male teens

Allstate is the priciest insurer for Abilene teens at $5,529 annually for female teens and $6,507 for male teens.

In Abilene, it is common for 16-year-old male drivers to pay higher premiums than their female counterparts. The difference could be low ($206 with Nationwide) or high ($966 with Allstate). As drivers age, this difference tends to decrease, and the difference becomes minimal when they reach early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$534

$2,500

State Farm

$622

$2,913

State Farm

$638

$3,400

State Farm

$670

$3,138

State Farm

$892

$3,003

Nationwide

$943

$2,133

Nationwide

$954

$2,295

State Farm

$977

$3,600

Nationwide

$996

$2,863

State Farm

$1,001

$3,372

Nationwide

$1,056

$3,288

State Farm

$1,057

$4,159

Nationwide

$1,061

$2,401

Nationwide

$1,077

$2,680

State Farm

$1,101

$3,709

Nationwide

$1,119

$2,531

Nationwide

$1,127

$2,712

Nationwide

$1,138

$3,067

State Farm

$1,172

$4,966

State Farm

$1,193

$4,397

Nationwide

$1,196

$2,876

State Farm

$1,224

$4,578

GEICO

$1,321

$2,389

GEICO

$1,335

$2,883

GEICO

$1,338

$2,302

Nationwide

$1,339

$4,665

State Farm

$1,348

$5,638

GEICO

$1,353

$2,448

GEICO

$1,357

$2,334

GEICO

$1,366

$2,881

Nationwide

$1,366

$5,484

GEICO

$1,385

$2,631

Nationwide

$1,397

$4,014

Allstate

$1,403

$1,812

GEICO

$1,413

$2,556

GEICO

$1,415

$2,639

GEICO

$1,431

$2,462

Nationwide

$1,437

$5,930

State Farm

$1,456

$6,275

State Farm

$1,467

$5,488

Nationwide

$1,468

$5,892

State Farm

$1,498

$6,266

State Farm

$1,501

$6,938

Allstate

$1,511

$1,868

Nationwide

$1,515

$5,968

Nationwide

$1,557

$6,941

GEICO

$1,568

$3,861

Nationwide

$1,573

$4,897

GEICO

$1,581

$3,416

GEICO

$1,627

$3,932

State Farm

$1,630

$7,047

Nationwide

$1,638

$7,509

GEICO

$1,653

$3,487

Nationwide

$1,674

$7,462

GEICO

$1,701

$4,619

Allstate

$1,701

$2,198

Allstate

$1,729

$2,579

GEICO

$1,772

$4,749

State Farm

$1,810

$7,822

Allstate

$1,814

$2,344

State Farm

$1,815

$8,672

Foremost

$1,884

$3,085

GEICO

$1,896

$5,150

Foremost

$1,936

$2,654

Progressive

$1,937

$2,976

GEICO

$1,948

$6,104

Allstate

$1,984

$2,454

GEICO

$2,006

$5,378

Progressive

$2,014

$4,876

Progressive

$2,016

$2,943

Allstate

$2,027

$3,002

Foremost

$2,030

$2,782

Foremost

$2,038

$2,920

Allstate

$2,049

$2,926

Foremost

$2,056

$2,819

GEICO

$2,062

$6,451

Foremost

$2,081

$3,512

Foremost

$2,103

$2,787

Allstate

$2,186

$2,704

Progressive

$2,190

$5,279

Foremost

$2,260

$2,995

Progressive

$2,299

$3,356

Foremost

$2,303

$3,302

Progressive

$2,347

$3,605

Foremost

$2,357

$3,123

Allstate

$2,395

$3,419

Progressive

$2,408

$6,619

Progressive

$2,427

$4,225

Progressive

$2,464

$4,569

Progressive

$2,475

$5,992

Foremost

$2,486

$8,237

Progressive

$2,498

$3,646

Foremost

$2,557

$8,347

Foremost

$2,591

$8,586

Progressive

$2,596

$3,988

Foremost

$2,690

$8,783

Allstate

$2,724

$4,737

Progressive

$2,726

$7,555

Foremost

$2,757

$5,364

Foremost

$2,784

$5,434

Allstate

$2,806

$4,008

Progressive

$2,855

$6,883

Foremost

$2,934

$12,340

Foremost

$3,052

$5,152

Foremost

$3,056

$12,802

Progressive

$3,059

$13,585

Foremost

$3,112

$5,097

Allstate

$3,214

$5,609

Allstate

$3,316

$4,733

Progressive

$3,405

$15,247

Progressive

$3,418

$15,836

Progressive

$3,630

$16,121

Progressive

$3,760

$17,480

Progressive

$3,973

$17,791

Allstate

$4,170

$5,710

Allstate

$4,903

$6,725

Allstate

$5,106

$6,991

Allstate

$5,529

$10,010

Allstate

$6,003

$8,235

Allstate

$6,507

$11,817

Adding a teen to a family policy is generally wise because an independent policy can be much more expensive, especially for drivers their age.

For example, a 16-year-old male or female teen with an individual premium pays $2,893 or $3,267 more, respectively, than those on family plans. Shopping for multiple quotes and taking advantage of discounts like those for good grades or distant students can help save money when looking for the cheapest auto insurance for teens.

Cheapest Car Insurance in Abilene for Military Drivers

Auto insurers offering the least expensive policies for active military personnel, veterans and their families in Abilene are:

  • State Farm: $569 per year
  • Texas Farm Bureau Group: $717 per year

Although USAA ($733 per year) is not the cheapest insurer for military members and families in Abilene, it’s often the best for them regarding customer service and claims satisfaction. The rates above are for full coverage policies. When it comes to minimum coverage, Allstate and State Farm offer the cheapest policies at $261 and $261 per year, respectively.

Company
Annual Premium
Monthly Premium

State Farm

$244

$20

Allstate

$261

$22

State Farm

$263

$22

Allstate

$269

$22

Texas Farm Bureau

$274

$23

USAA

$293

$24

Mercury

$312

$26

USAA

$313

$26

Texas Farm Bureau

$314

$26

State Farm

$321

$27

Allstate

$327

$27

AAA Texas

$334

$28

Mercury

$336

$28

USAA

$349

$29

AAA Texas

$358

$30

Mercury

$396

$33

Texas Farm Bureau

$400

$33

Chubb

$409

$34

AAA Texas

$428

$36

GEICO

$447

$37

Chubb

$449

$37

Progressive

$454

$38

Nationwide

$458

$38

Progressive

$464

$39

GEICO

$466

$39

Nationwide

$479

$40

GEICO

$505

$42

State Farm

$517

$43

Progressive

$536

$45

State Farm

$569

$47

Texas Farm Bureau

$590

$49

National General

$592

$49

Foremost

$606

$50

National General

$611

$51

Nationwide

$637

$53

Allstate

$687

$57

Foremost

$701

$58

USAA

$712

$59

Texas Farm Bureau

$717

$60

USAA

$733

$61

State Farm

$739

$62

National General

$751

$63

AAA Texas

$767

$64

AAA Texas

$773

$64

Dairyland

$786

$65

Chubb

$788

$66

GEICO

$790

$66

Dairyland

$807

$67

Allstate

$808

$67

Mercury

$812

$68

Nationwide

$820

$68

GEICO

$822

$69

Mercury

$824

$69

Foremost

$827

$69

Texas Farm Bureau

$875

$73

USAA

$891

$74

GEICO

$955

$80

Dairyland

$958

$80

Nationwide

$1,004

$84

AAA Texas

$1,005

$84

Chubb

$1,032

$86

Allstate

$1,081

$90

Mercury

$1,090

$91

Nationwide

$1,204

$100

Chubb

$1,214

$101

National General

$1,268

$106

Foremost

$1,300

$108

Progressive

$1,331

$111

Foremost

$1,366

$114

National General

$1,382

$115

Progressive

$1,429

$119

Dairyland

$1,511

$126

National General

$1,575

$131

Dairyland

$1,720

$143

Foremost

$1,721

$143

Progressive

$1,753

$146

Chubb

$1,807

$151

Dairyland

$2,108

$176

How to Compare Cheap Abilene Car Insurance Quotes Online

In Abilene, Texas, getting a car insurance quote online can be time-consuming. Each quote can take 15 minutes or more, and you need to enter personal details into several forms on several sites. Meanwhile, MoneyGeek's car insurance calculator offers an easier and faster alternative. You can get an estimate of your rate with your age, vehicle type, coverage level and driving record.

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Best Car Insurance in Abilene: Summary

Finding the best car insurance for you depends on your needs and preferences. According to MoneyGeek's research, the best car insurance companies in Abilene, TX, are:

  • Best overall: Texas Farm Bureau Group (MoneyGeek score 77 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap insurer: State Farm (MoneyGeek score 78 out of 100)

Keep in mind that the overall MoneyGeek score can change based on how factors are weighted.

With a MoneyGeek score of 80 out of 100, USAA is technically the best car insurance company in Abilene. But we excluded it from our list because it only serves active-duty personnel, veterans and their families.

Best Overall Car Insurance Companies in Abilene

The following companies balance affordability and quality services. Our top picks for the best auto insurers in Abilene are:

  • Texas Farm Bureau Group: MoneyGeek score 77 out of 100 ($717 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($569 per year)

Of the 11 insurance companies we analyzed, Texas Farm Bureau Group and State Farm received the overall highest customer satisfaction and affordability scores.

State Farm is also the best car insurance in Texas, with a statewide score of 86 and average cost of $924. These numbers take in the entire state's costs and needs, so numbers vary.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Roadside assistance coverage available

Offers rideshare insurance and rental car or travel reimbursement

#2 for affordability

#2 for customer satisfaction

cons

Below-average claims score

Lacks some desirable rare coverages

COMPANY HIGHLIGHTS

Texas Farm Bureau Group is an excellent choice for auto insurance in Abilene. It offers affordable rates, great customer service and various discounts.

The company earned the highest MoneyGeek score in Abilene due to its affordability and customer satisfaction ratings. Its policyholders rate the company high for satisfaction, and it has an A+ rating from BBB. In addition, the company offers the second cheapest auto insurance in Abilene at $717 annually.

Texas Farm Bureau Group offers roadside assistance coverage, which provides protection in case of a breakdown. This coverage helps pay for towing, flat tire repair, fuel delivery, locksmith and stuck vehicle, up to $120.

It also has various discounts, including multi-car, anti-theft device and safe driver options. With its competitive rates, add-on coverage and high customer satisfaction ratings, Texas Farm Bureau Group offers good value for money.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Abilene for Customer Service

Without factoring in cost, the top companies for customer service in Abilene are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,214 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,300 per year)

Chubb received high scores for claims management and customer satisfaction. If you don’t mind the cost, Chubb offers value for your money.

How was this MoneyGeek score calculated?

Chubb

pros

#1 for claims management

#3 for customer satisfaction

Offers anti-lock brakes discounts

Offers Original Equipment Manufacturer (OEM) Coverage

cons

Lacks autopay discounts

Lacks multi-car discounts

No roadside assistance coverage

COMPANY HIGHLIGHTS

Based on data from J.D. Power and the National Association of Insurance Commissioners (NAIC), Chubb offers excellent services and an efficient claims management process. However, it lacks some common coverages, which may be a bit unhelpful.

Chubb offers OEM coverage, which pays for repairs made with original equipment manufacturer parts, diminished value coverage and antique or classic car insurance.

However, Chubb doesn’t offer gap coverage, which pays the difference between an amount of the insurance payout and what is still owed on a loan; roadside assistance coverage, which pays for towing, tire changes and jump starts; or accident forgiveness, which means the insurer won't increase rates after the insured is involved in an at-fault accident.

Best Cheap Car Insurance Companies in Abilene

In Abilene, we identified the best companies that provide quality service and affordability, helping you meet Texas' minimum coverage requirements. Our top recommendations are.

  • State Farm: MoneyGeek score 78 out of 100 ($263 per year)
  • Texas Farm Bureau Group: MoneyGeek score 77 out of 100 ($314 per year)

Abilene's cheapest minimum coverage policies have the lowest rates but provide the least protection. If you’re in an at-fault accident, the policy covers very little — and what it does cover mostly helps the other parties. It doesn't cover the costs of repairing or replacing your own vehicle.

How was this MoneyGeek score calculated?

State Farm

pros

Excellent affordability score

High customer satisfaction score

Offers roadside assistance coverage

cons

Below-average claims score

Lacks rare coverages

COMPANY HIGHLIGHTS

With State Farm, you'll get great service and value for your money. Although not offering rare coverages, this insurer's premiums are lower than 10 competitors, making it an affordable choice.

State Farm also offers daytime running light (DRL) discounts. This discount kicks in if you have DRL installed as standard. It also has discounts for having a good driving record and for young drivers who maintain good grades. They even offer discounts for taking defensive driving courses.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Abilene

MoneyGeek's analysis shows that Abilene residents pay an average of $1,016 per year for full coverage car insurance, which is $185 less than the average cost of insurance in Texas ($1,201) and $64 less than the national average ($1,265) as of October 2022.

This policy includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Location is one of many factors affecting car insurance prices. Abilene enjoys lower rates due to its lower population density, fewer claims of car accidents and lower crime rate.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.