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.

Loading...
By  
  |  
iconribbonbestauto insuranceAbilene2021

The Cheapest and Best Car Insurance in Abilene

The Cheapest Car Insurance Companies in Abilene

For a full coverage policy, the least expensive companies on average in Abilene are:

  • USAA: $665 per year (serves only current and former military members and their families)
  • Farmers: $675 per year

The most affordable provider for the general public is Farmers, and its prices are 216.9% less than the most expensive carrier, The General. To find the best car insurance in Abilene, you should ideally shop around and compare quotes.

Prices are for a 40-year-old male driver with a full coverage policy, including liability insurance to protect you against the cost of damages to others and comprehensive and collision insurance to cover damages to your own vehicle.

Scroll for more

swipe icon

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.

Loading...

The Best Car Insurance Companies in Abilene

To help drivers find the best car insurance in Abilene, MoneyGeek ranked companies based on their affordability, financial stability and J.D. Power user satisfaction rating. As per our data, the top-scoring providers in Abilene are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out 100
  • Auto Club of Southern California: MoneyGeek score of 85 out of 100

Disclaimer: USAA is actually the best company as per our ranking, but it is available only to current and former military members and their families.


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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in Abilene could save you $390, which is enough to buy:


coffeeColor icon
130Cups of Coffee
computer icon
30Months of Your Favorite Streaming Service

Cheapest Car Insurance in Abilene by Coverage Amount

Your car insurance cost in Abilene depends on the coverage amount you select. For state minimum liability only coverage, you can expect an average rate of $480, whereas full coverage with 100/300/100 limits costs roughly $1,065. Full coverage is much more expensive, but it is often worth it because it provides higher liability limits and comprehensive and collision insurance.

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.

In Abilene, the difference between Farmers’ rates for 50/100/50 liability coverage and 50/100/50 full coverage is $303 per year on average. The 50/100/50 limits mean you have $50,000 to cover injuries per person, $100,000 for injuries per accident and $50,000 for property damage.

In the case of a liability-only policy, the insurer will meet these limits for the other party if you’re at fault. If you have full coverage, the provider will pay for your costs as well. To find cheap car insurance in Abilene, shop around and compare prices from multiple carriers.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
Loading...

Cheapest Car Insurance in Abilene if You Have Driving Violations

Safe drivers can save on car insurance, as a driving violation can increase rates. In Abilene, State Farm policyholders with an at-fault accident need to shell out an average of $859 per year for their car insurance compared to $713 for clean drivers. Similarly, customers with a recorded DUI must pay around $1,198 for their coverage which is $485 more on average than those with a spotless record.

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.

Loading...

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.