Cheapest Car Insurance in Killeen, TX (2026)

Drivers in Killeen pay an average of $816 per year for minimum coverage and $1,812 per year for full coverage. Killeen has some of Texas's highest rates due to elevated crime rates and traffic density from Fort Hood military base. 

• Cheapest minimum liability coverage: State Farm offers Killeen's most affordable minimum coverage at $488 per year ($41 monthly). That's 40% lower than the city average of $816, saving you $328 annually. GEICO ranks second for minimum coverage at $659 per year ($55 monthly), a 19% savings compared to the city average.
• Cheapest full coverage: State Farm provides the most affordable full coverage at $1,117 per year ($93 monthly), 38% below the city average of $1,812. That's $695 in annual savings. GEICO's full coverage costs $1,311 per year ($109 monthly), which is still 27% below the city average but $194 more than State Farm's annual cost.

Car insurance costs vary by age group in Killeen, with younger drivers facing the highest premiums. Here are the most affordable insurance companies in Killeen by age group:

• Adults: State Farm at $41 monthly, followed by GEICO at $55
• Seniors: State Farm at $47 monthly, with Germania at $67
• Young drivers: State Farm at $93 monthly, while GEICO costs $97

State Farm's Steer Clear program helps drivers under 25 save up to 15% by completing educational courses and maintaining clean driving records for three years. 

GEICO's Prime Time Contract provides seniors aged 50 and older with rate reductions through defensive driving course completion, assuming no recent violations or accidents.

If you recently had a violation, now is the best time to shop for lower rates. Here are your cheapest car insurance options in Killeen by violation type:

• Accident: State Farm at $48 and Germania Insurance at $63 monthly
• Ticket: State Farm at $40 and Germania Insurance at $62 monthly
• DUI: State Farm at $66 and Mercury at $78 monthly

Minor violations in Texas remain on your record for three years before rates may decrease.

Car insurance costs fluctuate across different neighborhoods in Killeen. Drivers in ZIP code 76542 pay the least at $133 monthly for full coverage, while those in 76549 have the highest rates at $170 monthly. Check the table below to find specific car insurance costs for your Killeen ZIP code.

State Farm earned 94 out of 100 on MoneyGeek's rating scale, establishing it as the top car insurance company. GEICO follows with a strong 91 out of 100 score. State Farm ranks first for affordability and offers a good customer experience.

Our evaluation considered agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders. 

GEICO is also affordable. Both insurers maintain strong financial stability ratings. See below for why each insurer is best and which fits your needs.

Killeen drivers have high car insurance costs compared to other Texas cities. Shop around, secure better rates and select appropriate coverage:

Our insurance experts provide answers to common questions about finding affordable car insurance in Killeen:

Killeen drivers pay some of Texas's highest car insurance rates, complicated by severe weather risks, military base activity and elevated crime rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all Killeen ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Killeen's specific risks including frequent hail storms, higher theft rates and increased accident frequency near Fort Hood.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling vehicle theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Killeen risks like weather damage, uninsured motorists and theft in high-risk areas near the military base.