In Abilene, Texas, finding the cheapest insurance hinges on coverage and driver specifics. Texas Farm Bureau is cheapest for full coverage. The minimum coverage leader is State Farm. For families with teens, State Farm provides the lowest rates. For stellar customer service, Chubb excels, and it's also ranked best overall for balancing price and service quality. Your ideal insurer may vary based on personal coverage needs and preferences.
Cheapest and Best Car Insurance in Abilene, TX (June 2024)
Our analysis of June 2024 quotes finds Texas Farm Bureau has Abilene, Texas's cheapest car insurance at $314 yearly. Chubb scores 89 (out of 100) for balancing affordability and service.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Sarah Mattie
Content Writer and Editor
Sarah Mattie, a personal finance editor at MoneyGeek, specializes in content production, covering student financial aid, loans, credit cards and more. Previously, she was a theater and English teacher. Mattie has a bachelor's degree in theatre from Kansas State University and a master's degree in theatre education from Emerson College.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Sarah Mattie
Content Writer and Editor
Sarah Mattie, a personal finance editor at MoneyGeek, specializes in content production, covering student financial aid, loans, credit cards and more. Previously, she was a theater and English teacher. Mattie has a bachelor's degree in theatre from Kansas State University and a master's degree in theatre education from Emerson College.
Updated: October 3, 2024
Advertising & Editorial Disclosure
Cheapest and Best Car Insurance in Abilene
Why Trust MoneyGeek? We analyzed 328,384 quotes in Texas, including Abilene, from 14 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Abilene insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Abilene, Texas as of June 2024.
Cheapest Minimum Coverage Car Insurance in Abilene
Texas Farm Bureau offers the cheapest car insurance in Abilene, ensuring significant savings for drivers looking to minimize their expenses.
- Texas Farm Bureau: $314 per year
- State Farm: $338 per year
Dairyland has the most expensive minimum coverage policy in Abilene, at $1,503 annually, a difference of $1,189 with Texas Farm Bureau's offering. This variance in pricing underscores the potential savings a consumer could achieve simply by shopping around.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Texas Farm Bureau | Annual Premium$314 | Monthly Premium$26 |
State Farm | Annual Premium$338 | Monthly Premium$28 |
Mercury | Annual Premium$345 | Monthly Premium$29 |
AAA Texas | Annual Premium$461 | Monthly Premium$38 |
Allstate | Annual Premium$487 | Monthly Premium$41 |
National General | Annual Premium$563 | Monthly Premium$47 |
Progressive | Annual Premium$575 | Monthly Premium$48 |
GEICO | Annual Premium$582 | Monthly Premium$49 |
Chubb | Annual Premium$662 | Monthly Premium$55 |
Nationwide | Annual Premium$772 | Monthly Premium$64 |
Foremost | Annual Premium$862 | Monthly Premium$72 |
Dairyland | Annual Premium$1,503 | Monthly Premium$125 |
State Minimum Liability Requirements
In Texas, every city, from Abilene to Houston, adheres to state law for mandated car insurance coverage. Know your minimums:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage liability per accident
For context, if you hold a minimum coverage policy and are at fault in an accident, your insurer will cover up to $30,000 for an individual’s injuries and a total of $60,000 per accident. Should costs exceed these amounts, you're responsible for the difference.
Cheapest Full Coverage Car Insurance in Abilene
Texas Farm Bureau offers the cheapest cheapest full coverage car insurance in Abilene.
- Texas Farm Bureau: $717 per year
- State Farm: $794 per year
Dairyland holds is the most expensive full coverage policy in Abilene, with an annual premium difference of $2,474. Shop around, especially because full coverage policies include comprehensive and collision insurance, naturally driving up the cost more than the basic liability insurance.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Texas Farm Bureau | Annual Premium$717 | Monthly Premium$60 |
State Farm | Annual Premium$794 | Monthly Premium$66 |
AAA Texas | Annual Premium$1,057 | Monthly Premium$88 |
GEICO | Annual Premium$1,116 | Monthly Premium$93 |
National General | Annual Premium$1,238 | Monthly Premium$103 |
Allstate | Annual Premium$1,240 | Monthly Premium$103 |
Nationwide | Annual Premium$1,335 | Monthly Premium$111 |
Progressive | Annual Premium$1,458 | Monthly Premium$122 |
Chubb | Annual Premium$1,568 | Monthly Premium$131 |
Mercury | Annual Premium$1,714 | Monthly Premium$143 |
Foremost | Annual Premium$1,885 | Monthly Premium$157 |
Dairyland | Annual Premium$3,191 | Monthly Premium$266 |
Do You Need Full Coverage in Texas?
For Abilene, full coverage comprises $100,000 per individual for bodily injury, $300,000 per incident for bodily injury and $100,000 per incident for property damage. This is also known as a 100/300/100 policy.
Full coverage insurance also two key components:\
- Collision Coverage: This guards against damage to your vehicle occurring from an impact, whether with another car or a different object like a tree or light pole. It also covers rollover accidents and pothole damage.
- Comprehensive Coverage: This provides financial protection against non-collision incidents that harm your vehicle, such as theft or natural disasters. It also covers being struck by an animal like a deer.
For those with new vehicles, opting for full coverage insurance is a prudent choice to protect your investment. This is required if you're leasing or have a car loan. The incremental benefit of full coverage may not justify the additional cost for owners of older vehicles. Consider your situation when deciding how much car insurance you need; more extensive coverage comes with higher premiums, but skimping on coverage can leave you vulnerable and underinsured.
Cheapest Car Insurance in Abilene After a Driving Offense
In Abilene, drivers with a poor driving record looking for a full coverage policy will find that that cheap options vary depending on the driving offense:
- Speeding ticket: Texas Farm Bureau ($717 per year)
- At-fault accident: State Farm ($984 per year)
- DUI: Texas Farm Bureau ($1,361 per year)
Dairyland has some of the highest rates for each of these offenses, with an annual cost of $3,945 after a speeding ticket, $4,457 after an at-fault accident and $3,224 following a DUI. With Texas Farm Bureau, the disparity in rates between drivers with a speeding ticket and with a DUI is $644, highlighting how significantly the severity of an offense can affect car insurance premiums.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
Texas Farm Bureau | Annual Premium$717 | Monthly Premium$60 |
State Farm | Annual Premium$794 | Monthly Premium$66 |
Allstate | Annual Premium$1,240 | Monthly Premium$103 |
GEICO | Annual Premium$1,294 | Monthly Premium$108 |
AAA Texas | Annual Premium$1,348 | Monthly Premium$112 |
Nationwide | Annual Premium$1,552 | Monthly Premium$129 |
National General | Annual Premium$1,646 | Monthly Premium$137 |
Chubb | Annual Premium$1,768 | Monthly Premium$147 |
Progressive | Annual Premium$1,902 | Monthly Premium$158 |
Foremost | Annual Premium$2,220 | Monthly Premium$185 |
Mercury | Annual Premium$2,389 | Monthly Premium$199 |
Dairyland | Annual Premium$3,945 | Monthly Premium$329 |
Insurance rates are generally higher for drivers with offenses, reflecting the increased risk they pose to insurers. For instance, in Abilene, drivers with a DUI may face an average annual premium of $2,880, compared with those with a speeding ticket whose average is $2,359 — a significant difference of $521 per year. Individuals with driving infractions should therefore rigorously compare insurance rates to potentially save hundreds of dollars annually.
Cheapest Car Insurance in Abilene for Teens and Their Families
Nationwide offers the cheapest car insurance for teens in Abilene.
- Nationwide: $1,437 per year for female teens and $1,638 per year for male teens
- State Farm: $1,501 per year for female teens and $1,815 per year for male teens
The rates stated represent the cost to cover a combination of two parents and a teenager. In Abilene, Allstate has the most expensive policy for families with teen drivers at $5,529 for girls. This emphasizes the importance of comparing quotes; teen drivers are considered a higher risk and can significantly impact family insurance costs.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Nationwide | Family Plan Annual Premium$1,437 | Individual Plan Monthly Premium$3,557 |
State Farm | Family Plan Annual Premium$1,501 | Individual Plan Monthly Premium$2,108 |
GEICO | Family Plan Annual Premium$1,948 | Individual Plan Monthly Premium$2,696 |
Foremost | Family Plan Annual Premium$2,934 | Individual Plan Monthly Premium$8,292 |
Progressive | Family Plan Annual Premium$3,418 | Individual Plan Monthly Premium$10,187 |
Allstate | Family Plan Annual Premium$5,529 | Individual Plan Monthly Premium$6,430 |
In Abilene and across many cities, teen drivers face significantly higher insurance costs, with the average individual annual premium for teen car insurance hitting $6,238 compared with $3,140 when added to a family plan. This is because insurers view teens as high-risk drivers who are more likely to be involved in accidents and file claims. Consequently, approving an individual policy for a teen can be challenging without an established driving record or credit history. Leverage a family plan's lower risk profile for substantial savings.
Cheapest Car Insurance in Abilene for Military Drivers
Texas Farm Bureau is the cheapest option for full coverage car insurance for military backgrounds in Abilene:
- Texas Farm Bureau: $717 per year
- State Farm: $794 per year
For members of the military community, USAA offers comprehensive services tailored to active duty military personnel and ranks third in affordability at $872 annually, only slightly higher than the top two providers.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Texas Farm Bureau | Annual Premium$717 | Monthly Premium$60 |
State Farm | Annual Premium$794 | Monthly Premium$66 |
USAA | Annual Premium$872 | Monthly Premium$73 |
AAA Texas | Annual Premium$1,057 | Monthly Premium$88 |
GEICO | Annual Premium$1,116 | Monthly Premium$93 |
National General | Annual Premium$1,238 | Monthly Premium$103 |
Allstate | Annual Premium$1,240 | Monthly Premium$103 |
Nationwide | Annual Premium$1,335 | Monthly Premium$111 |
Progressive | Annual Premium$1,458 | Monthly Premium$122 |
Chubb | Annual Premium$1,568 | Monthly Premium$131 |
Mercury | Annual Premium$1,714 | Monthly Premium$143 |
Foremost | Annual Premium$1,885 | Monthly Premium$157 |
Dairyland | Annual Premium$3,191 | Monthly Premium$266 |
How to Compare Cheap Abilene Car Insurance Quotes Online
Shopping for the best car insurance rates in Abilene offers significant savings but traditionally demands an investment of time — often 15 minutes per company. MoneyGeek's car insurance calculator streamlines this process, allowing you to quickly focus on the key factors influencing premiums in Abilene. By inputting details such as your age, driving history, credit score and coverage preferences, you can receive an accurate estimate in no time.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 04, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Abilene: Overview
Selecting the right auto insurance hinges on individual preferences like service quality, cost and coverage. MoneyGeek's tailored scoring system evaluates these factors to recommend top insurers in Abilene.
- Best overall: Chubb (score 89 out of 100)
- Best for service: Chubb (score 92 out of 100)
- Best cheap: Chubb (score 88 out of 100)
Chubb excels in Abilene as the leading provider for overall value, service excellence and affordability. Customers seeking the best balance in auto insurance quality and pricing will find Chubb's offerings most fitting.
Overall Best Car Insurance in Abilene
Chubb offers the best option for best car insurance in Abilene.
- Chubb: MoneyGeek score of 89 out of 100 ($1,568 per year)
- State Farm: MoneyGeek score of 75 out of 100 ($794 per year)
Chubb stands out in Abilene, thanks in large part to exceptional customer satisfaction and claims handling. With a full-coverage policy score that emphasizes these key aspects, Chubb provides a blend of service and reliability.
Chubb's high MoneyGeek score is most influenced by its exceptional claims handling and customer satisfaction, indicating a robust overall service experience for policyholders. Chubb offers both rental car and/or travel reimbursement and roadside assistance, ensuring its customers have the most common coverages when they hit the road.
Furthermore, Chubb offers original equipment manufacturer (OEM) coverage, providing added value by covering parts directly from the vehicle's manufacturer. Diminished value coverage is also available, allowing customers to be compensated for the reduced value of their vehicle after an accident, even if it's been fully repaired.
Ranks first for claims handling
Offers OEM coverage and diminished value coverage
Ranks ninth for affordability
Does not offer roadside assistance or gap insurance
MoneyGeek ranks Abilene car insurance focusing on customer happiness and affordability, with claims processing, coverage options and fiscal health also key.
Best Car Insurance in Abilene for Customer Service
Chubb is the best option in Abilene for those prioritizing customer service in car insurance. This determination is based on a comprehensive evaluation of general satisfaction, claims processing and coverage options, without factoring in rates.
- Chubb: MoneyGeek score of 92 out of 100 ($1,568 per year)
- Foremost: MoneyGeek score of 77 out of 100 ($1,885 per year)
Chubb stands out primarily due to its exceptional customer satisfaction and claims handling. Chubb ensures policyholders receive attentive service and effective claims resolution, confirming its position as a leader in among car insurance providers in Abilene.
Chubb's high MoneyGeek score is largely attributed to its near-perfect customer satisfaction and claims handling ratings. Its suite of car insurance coverages appeals to a variety of drivers. Its original equipment manufacturer (OEM) coverage ensures your vehicle is repaired with original parts, maintaining your car's integrity and value. Its antique/classic car insurance serves vintage car enthusiasts, offering specialized protection . Diminished value coverage helps you recoup the loss in value after an accident.
Ranks second for general customer satisfaction
Ranks first for claims satisfaction
Offers rare coverages like OEM coverage
Does not offer roadside assistance or gap insurance
MoneyGeek ranks Abilene's top car insurers focusing on customer satisfaction, claims service, coverage options and company solvency.
Best Cheap Car Insurance Companies in Abilene
Chubb is the best option in Abilene for drivers seeking cheap car insurance. With the highest MoneyGeek score weighted towards cost-effectiveness, while still accounting for factors like claims handling and general customer satisfaction, Chubb stands out for people prioritizing a balance between price and experience.
- Chubb: MoneyGeek score of 88 out of 100 ($662 per year)
- Mercury: MoneyGeek score of 79 out of 100 ($345 per year)
Chubb excels particularly because of its superior claims handling and high satisfaction ratings. The score also represents the value for a minimum coverage policy, underscoring Chubb's commitment to providing quality insurance coverage at competitive rates.
Chubb's MoneyGeek score is propelled by its high claims handling, reflecting a seamless experience for policyholders when they need support the most. With an average annual premium of just $663, Chubb ensures that the typical driver doesn’t need to break the bank for minimum coverage. Customers can also benefit from reasonably common discounts like defensive driving courses and security feature discounts, including anti-theft system installations.
Chubb offers bundling and good student discounts, highlighting its comprehensive range of cost-saving options. Additional discounts include options such as anti-lock brakes, which can enhance driving safety, and very rare discounts like VIN etching, which may reduce vehicle theft risk.
Offers rare coverage discounts like honing device and VIN etching
Higher average annual premium ($662) than second-best provider
MoneyGeek's car insurance rankings in Abilene prioritize affordable minimum coverage and customer satisfaction, considering claims processing, coverage options and insurer stability.
Average Cost of Car Insurance in Abilene
In Abilene, Texas, drivers can expect to pay an average car insurance premium of $1,444. This figure falls below the average car insurance cost in Texas, which is $1,738 — making the average cost in Abilene $294 less than the state average. Texas' average car insurance cost is slightly higher than the national average, coming in at $18 more than the country's average of $1,720.
Car insurance premiums are influenced by numerous factors, with location being a significant determinant. Region-specific risks, such as urban traffic patterns, prevalence of uninsured drivers and state-specific insurance laws, factor heavily into insurance costs. For example, the data indicates that Houston is the city with the most expensive insurance premium at $2,113, which is $375 higher than the state average. Conversely, Wichita Falls has the cheapest premium at $1,374, exemplifying how rates can be markedly lower in non-urban areas with less traffic density.
Abilene | Annual Premium$1,444 |
Allen | Annual Premium$1,710 |
Amarillo | Annual Premium$1,728 |
Arlington | Annual Premium$1,703 |
Austin | Annual Premium$1,690 |
Beaumont | Annual Premium$1,812 |
Brownsville | Annual Premium$1,787 |
Carrollton | Annual Premium$1,827 |
College Station | Annual Premium$1,504 |
Corpus Christi | Annual Premium$1,623 |
Dallas | Annual Premium$1,917 |
Denton | Annual Premium$1,631 |
El Paso | Annual Premium$1,568 |
Fort Worth | Annual Premium$1,691 |
Frisco | Annual Premium$1,708 |
Garland | Annual Premium$1,920 |
Grand Prairie | Annual Premium$1,882 |
Houston | Annual Premium$2,113 |
Irving | Annual Premium$1,845 |
Killeen | Annual Premium$1,515 |
Laredo | Annual Premium$1,748 |
League City | Annual Premium$1,784 |
Lewisville | Annual Premium$1,662 |
Lubbock | Annual Premium$1,567 |
McAllen | Annual Premium$1,929 |
McKinney | Annual Premium$1,708 |
Mesquite | Annual Premium$1,906 |
Midland | Annual Premium$1,494 |
Odessa | Annual Premium$1,623 |
Pasadena | Annual Premium$1,853 |
Pearland | Annual Premium$1,914 |
Plano | Annual Premium$1,775 |
Richardson | Annual Premium$1,836 |
Round Rock | Annual Premium$1,584 |
San Angelo | Annual Premium$1,425 |
San Antonio | Annual Premium$1,752 |
Sugar Land | Annual Premium$1,819 |
The Woodlands | Annual Premium$1,832 |
Tyler | Annual Premium$1,609 |
Waco | Annual Premium$1,485 |
Wichita Falls | Annual Premium$1,374 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.