Car insurance in Killeen costs an average of $1,064 per year, cheaper than the state average. Farmers, which has an annual average rate of $721, is the cheapest widely available insurance carrier in the city. Using average rates across coverage levels and different driving histories, MoneyGeek analyzed the cheapest companies and ranked the best companies based on cost and quality using our unique scoring system.
bestauto insuranceKilleen2021The Cheapest and Best Car Insurance in Killeen
Cheapest Overall - Farmers
Best Overall - GEICO
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - State Farm
The Cheapest Car Insurance Companies in Killeen
MoneyGeek’s study determined that the most affordable options for Killeen drivers with a full coverage policy are:
- USAA: $708 per year (only available to current and former military members and their families)
- Farmers: $721 per year
The cost of car insurance is one of the most important factors many drivers consider when looking for the best car insurance. In Killeen, the cheapest widely available company is Farmers. The General is the most expensive option with an average rate of $2,114 which is 193.2% higher than Farmers.
These prices are based on MoneyGeek’s sample profile, a 40-year-old male with a full coverage policy that includes liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$708
- 2.$721
- 3.$725
- 4.$730
- 5.$885
Average Cost of Car Insurance in Killeen
Killeen$1,064
Texas$1,316
U.S.$1,424
On average, car insurance in Killeen costs $1,064 per year. That is cheaper than both the state and national averages.
The state average for auto insurance is $1,316 or 19.1% more expensive than the typical cost of car insurance in Killeen. Drivers in the city also have 25.3% cheaper average rates compared to the national average, which is $1,424.
The Best Car Insurance Companies in Killeen
If you value both affordability and outstanding service, MoneyGeek evaluated car insurance companies in Killeen to determine the best insurers. We found these to be:
- GEICO (MoneyGeek score of 85 out of 100)
- State Farm (MoneyGeek score of 85 out of 100)
MoneyGeek’s internal scoring system includes J.D. Power’s user satisfaction, affordability and financial stability. Based on final rankings, the highest-scoring company is USAA, however, it was not listed best overall, because it is only available to military members, veterans and their families.
1
USAA
Score:100
2
GEICO
Score:85
3
State Farm
Score:85
4
Auto Club of Southern California Insurance Group
Score:85
5
Allstate
Score:80
6
Progressive
Score:80
7
Nationwide
Score:80
8
Farmers
Score:78
9
Liberty Mutual
Score:73
Personalized Quotes to Get You the Cheapest Car Insurance in Killeen
Various factors affect car insurance quotes in Killeen. These include location, age, driving history, gender and coverage level. Compare car insurance quotes regularly to reflect changes in any of these circumstances. Doing this will also help you find out if you qualify for discounts, rebates, or other savings.
Shopping around for car insurance in Killeen could save you $343, which is enough to buy:
114Cups of Coffee
26Months of Your Favorite Streaming Service
Cheapest Car Insurance in Killeen by Coverage Amount
When it comes to car insurance in Killeen, how much coverage you buy will have a huge impact on the cost of your premium. The cost of a policy only meeting state minimums is $521 on average, while a full coverage policy with higher liability limits costs an average of $1,064 per year, a difference of $543.
Texas Minimum Liability Requirements
- ItemDescription
- 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.
When looking for auto insurance in Killeen, choosing the cheapest car insurance may not always be the best option. Evaluate your needs to find an appropriate coverage level. For example, a 50/100/50 liability-only or full coverage policy will cover up to $50,000 for medical expenses per person, $100,000 per accident and $50,000 for property damage. Liability-only will only cover the other driver’s expenses, while full coverage will include both your own and the other driver’s costs if you are at fault in an accident.
A state minimum liability-only policy from GEICO costs an average of $390 per year. A 100/300/100 full coverage policy from the same company costs $725 per year, a difference of $335 per year.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$312$343
- 2.$363$384
- 3.$371$417
- 4.$390$421
- 5.$423$473
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$650$708
- 2.$683$721
- 3.$672$730
- 4.$671$725
- 5.$820$885
Cheapest Car Insurance in Killeen if You Have Driving Violations
Maintaining a clean driving record will help you have cheap car insurance in Killeen. On the other hand, having moving violations like speeding tickets, at-fault accidents, or a DUI will increase your annual premium.
For example, a MetLife policy costs an average of $1,203 for Killeen drivers with clean driving records. Being involved in a DUI will increase that to $2,916, a $1,713 increase. Drivers with an at-fault accident typically pay $2,609 for a similar policy, a difference of $1,406.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$730$878$1,221
- 2.$792$1,090$1,031
- 3.$943$1,019$1,054
- 4.$844$999$1,206
- 5.$1,144$1,259$1,325
Average Cost of Car Insurance by Postal Code
Car insurance in Texas also depends on where in the state you live. Differences in accident statistics, crime rates and the number of uninsured vehicles will also be considered when calculating auto insurance premiums. The cheapest neighborhood in the city, ZIP code 76542, has an average annual rate of $1,055. The most expensive neighborhood, ZIP code 76549, has an average rate of $1,072 per year, a difference of $17.
- Zip CodeState Minimumper year
- 76542$1,055
- 76549$1,072
Insurance Providers That Serve Killeen
Factors That Impact Insurance Costs in Killeen
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 Killeen. How Killeen ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Killeen 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.
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