Car Insurance in Killeen

State Farm provides the majority of Killeen's best rates across driver categories. Adult drivers with clean records pay $488 annually with State Farm, while young drivers pay $1,113 through State Farm.

That's a 128% increase reflecting Texas's moderate age based pricing. Senior drivers secure competitive rates at $570 with State Farm. Drivers with accidents find affordable coverage through State Farm at $577. Those with DUIs also benefit from State Farm's rates at $794 yearly. 

State Farm's consistency across all driver types positions it as the go to insurer for Killeen residents, though GEICO delivers competitive alternatives worth comparing.

State Farm provides Killeen's most affordable minimum coverage at $488 per year, sitting 42% lower than the city average of $821. For full coverage, State Farm charges $1,117 annually, maintaining its competitive position.

GEICO offers competitive rates at $659 for minimum coverage and $1,311 for full coverage. Travelers delivers another option worth considering for specific driver profiles.

Killeen's concentrated market around State Farm and GEICO means comparing these two insurers typically secures the best available rate. Military families stationed at Fort Hood should also check USAA for exclusive member benefits.

State Farm dominates age based pricing in Killeen across all demographics. Adults with clean records pay $488 annually, while young drivers face $1,113.

That's a 128% premium increase driven by limited experience and higher accident rates among younger drivers. Seniors enjoy moderate pricing at $570, about 17% above adult rates.

State Farm's control across age groups simplifies shopping for Killeen families. However, Texas's competitive insurance market means rates can shift, making annual comparison shopping worthwhile as drivers age into different categories or add teen drivers to family policies.

State Farm provides the lowest rates for Killeen drivers with clean records at $488 per year. A speeding ticket has no impact on State Farm's base rate, which remains at $488.

An at-fault accident raises your premium to $577 with State Farm, an 18% increase. State Farm charges $794 for DUI violations, the most affordable option for this serious offense.

DUI drivers pay roughly 63% more than clean record drivers. Killeen's moderate violation penalties, particularly for speeding tickets, benefit drivers with minor infractions. However, maintaining a completely clean record still delivers the best rates and broadest insurer options over time.

State Farm leads Killeen's insurance market with a MoneyGeek score of 94.88, combining the area's lowest rates with strong customer service and extensive agent network. GEICO scores 91.32, offering competitive pricing with efficient digital tools.

Both insurers maintain excellent financial stability ratings and reasonable complaint ratios with the Texas Department of Insurance. State Farm excels for drivers preferring local agent relationships and bundling opportunities.

GEICO appeals to those comfortable managing policies online. Killeen's large military population should explore USAA if eligible, as it often provides specialized benefits for service members and their families.

Killeen drivers pay an average of $821 per year for minimum coverage and $1,810 for full coverage. These rates align closely with Texas state averages, making Killeen typical for the state's insurance market.

State Farm undercuts the city average significantly at $488 for minimum coverage, demonstrating how the right insurer choice substantially reduces annual costs. Texas's minimum coverage requirements of 30/60/25 create higher baseline costs than many states.

Killeen's proximity to Fort Hood and its large military population create unique market dynamics. Residents who maintain clean records and compare quotes from multiple insurers access competitive rates well below city averages.

In Killeen, car insurance rates by ZIP code range from $57 to $170 per month. ZIP code 76549 is the most expensive, while 76542 is the cheapest. Check the average rates for your ZIP code on the table below.

Finding affordable car insurance in Killeen can be challenging with Texas's high average rates and complex coverage options. Our step-by-step guide will show you how to lower your costs while getting the right protection for your needs.

Car insurance rates in Killeen depend on your age, driving record and vehicle type. State Farm and GEICO offer the lowest average premiums in the area, but compare quotes from multiple insurers to find your best rate.

Looking for affordable car insurance in Killeen? Our FAQs provide clear answers about coverage options and costs, helping you find the right protection at the best rates.

To help Killeen drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.

Killeen Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Killeen

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Texas are:

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

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.