State Farm offers the lowest car insurance rates in Killeen, with average annual premiums of $488 for minimum coverage and $1,117 for full coverage. GEICO, Mercury and AAA also provide affordable coverage options in the city.
Car Insurance in Killeen
Updated: August 29, 2025
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Key Takeaways
Killeen's cheapest car insurance companies are State Farm, GEICO and AAA, with rates up to 42% lower than the city average.
Monthly car insurance costs in Killeen average $151 for full coverage and $68 for minimum coverage.
To find the best cheap auto insurance in Killeen, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Killeen?
| State Farm | $41 | $93 | -42% |
| GEICO | $55 | $109 | -29% |
| AAA | $59 | $122 | -22% |
| Mercury | $58 | $125 | -21% |
| Germania | $63 | $126 | -19% |
Cheapest Killeen Car Insurance by Category
State Farm offers the cheapest rates in six driver categories in Killeen. GEICO provides the most affordable coverage for young drivers, those with bad credit and drivers with newer cars.
| Young Drivers | GEICO | $97 |
| Adult Drivers | State Farm | $41 |
| Senior Drivers | State Farm | $47 |
| Drivers With an Accident | State Farm | $48 |
| Drivers With a DUI | State Farm | $66 |
| Drivers With a Speeding Ticket | State Farm | $41 |
| Drivers With Bad Credit | GEICO | $79 |
| Drivers With Newer Cars | GEICO | $60 |
| Drivers With Old Cars | State Farm | $37 |
Compare the Cheapest Killeen Car Insurance for You
Your car insurance rates depend on your driving history, age, credit score and other personal factors. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $41 | $488 | -44% |
| Geico | $55 | $659 | -24% |
| Mercury Insurance | $58 | $696 | -20% |
| AAA | $59 | $713 | -18% |
| Germania Insurance | $63 | $752 | -14% |
Full Coverage Car Insurance Rates by ZIP Code
Enter your ZIP code to view average full coverage car insurance premiums in your area. Rates are calculated based on a driver profile of age 35 with good credit and a clean driving history.
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Best Car Insurance Companies in Killeen
In Killeen, the top car insurance companies are State Farm, GEICO, Mercury and AAA. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 91 | 2 | 6 | 6 |
| Mercury | 91 | 4 | 5 | 4 |
| AAA | 90 | 3 | 4 | 6 |
| Progressive | 89 | 6 | 2 | 2 |
State Farm: Best Overall Value
pros
Most affordable rates in Killeen
Strong customer satisfaction scores
Available to most driver types
cons
Limited coverage options
Online tools need improvement
COMPANY HIGHLIGHTS
State Farm ranks as Killeen's top car insurance provider, combining excellent affordability with strong customer service. The company offers the lowest rates for most driver categories, including adults, seniors, and those with accidents or tickets. Their local agent network provides personalized service, though their digital tools lag behind competitors. State Farm's rates run well below the Killeen average, making them an excellent choice for budget-conscious drivers who value personal service.
GEICO: Best for Young Drivers
pros
Strong digital insurance tools
Good rates for new drivers
Multiple discount options
cons
Lower customer service ratings
Limited local agent availability
COMPANY HIGHLIGHTS
GEICO stands out as Killeen's second-best insurance option, particularly excelling with young drivers and those with newer vehicles. Their user-friendly website and mobile app make managing policies simple. While their customer service ranks lower than State Farm's, GEICO maintains competitive rates and offers the cheapest coverage for drivers with bad credit. Their digital-first approach works especially well for tech-savvy customers who prefer handling insurance matters online.
How Much Is Car Insurance in Killeen?
In Killeen, minimum coverage costs about $68 per month or $821 per year, ranking 1,271st out of all Texas cities for affordability. Full coverage averages $151 monthly or $1,810 annually, ranking 1,184th among Texas cities.
| Full Coverage | $151 | $1,810 |
| Minimum Coverage | $68 | $821 |
Killeen Car Insurance Cost by Category
In Killeen, monthly coverage costs vary from $62 to $347 depending on the driver category. Check the table below to see rates for your category.
| Young Drivers | $161 | $331 |
| Adult Drivers | $68 | $151 |
| Senior Drivers | $89 | $179 |
| Drivers With an Accident | $98 | $211 |
| Drivers With a DUI | $106 | $222 |
| Drivers With a Speeding Ticket | $81 | $180 |
| Drivers With Bad Credit | $152 | $347 |
| Drivers With Newer Cars | $84 | $187 |
| Drivers With Old Cars | $62 | $137 |
Killeen Car Insurance Costs by ZIP Code
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.
Data filtered by:Results filtered by:
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ZIP Code:76549
| 76549 | $80 | $170 |
Compare Personalized Killeen Car Insurance Costs
Filter Killeen car insurance rates below by your age and driving record to find averages that match your exact profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $72 | $859 | 6% |
How to Get the Best Cheap Killeen Car Insurance
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.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation in Killeen. Use our car insurance coverage needs calculator to evaluate your requirements based on your vehicle's value, assets and risk tolerance.
- 2
Explore different insurance types
Familiarize yourself with various types of car insurance available. Consider alternatives like pay-per-mile coverage if you drive infrequently, or non-owner policies if you don't own a vehicle.
- 3
Know the local cost benchmarks
Research average vehicle insurance costs in Killeen to set realistic expectations. Understanding typical rates for your area helps you identify genuinely competitive quotes and avoid overpaying.
- 4
Check available insurance discounts
Explore every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts to maximize your savings.
- 5
Research insurance company ratings
Investigate potential insurers' customer service ratings, claims satisfaction scores,and financial stability. Look for companies with strong records in Texas and positive feedback from Killeen residents.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools and direct company contacts to ensure you're getting the most competitive rates available in Killeen.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and rates. Insurance needs change with life events, and new discounts or better rates may become available as your circumstances evolve.
Cheapest Car Insurance in Killeen: Bottom Line
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.
Cheap Killeen Car Insurance: FAQ
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.
What is the cheapest car insurance company in Killeen, Texas?
State Farm offers the lowest rates in Killeen, with average annual premiums of $488 for minimum coverage and $1,117 for full coverage. Actual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Killeen?
State Farm leads Killeen's car insurance market with a MoneyGeek score of 95 out of 100, scoring 4 points above GEICO. State Farm excels in both affordable rates and quality service.
What is the average cost of car insurance in Killeen?
In Killeen, drivers pay $1,810 per year for full coverage and $821 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Killeen expensive?
Car insurance in Killeen costs more than average, ranking 1,271st for minimum coverage affordability and 1,184th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Killeen, TX
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
