On average, the cheapest car insurer in Killeen is Farmers, including for a minimum coverage policy. State Farm is the cheapest with a ticket, whereas USAA may be the most affordable for military families. MoneyGeek found State Farm is the best car insurer in Killeen for balancing quality service and affordability. Your best choice may depend on coverage and profile.
The Cheapest and Best Car Insurance in Killeen




The Cheapest Car Insurance Companies in Killeen
If you are looking for a full coverage policy in Killeen, on average, the cheapest auto insurers are:
- Farmers: $721 per year
- GEICO: $725 per year
USAA, at around $708 yearly, is the cheapest overall for full coverage, but only drivers with a military background qualify.
Farmers, the cheapest, widely available full coverage policy in Killeen, is around 193% cheaper than The General, the most expensive policy at roughly $2,114 per year.
A full coverage policy has comprehensive and collision insurance; rates can vary depending on how much liability insurance you select.
Cheapest Car Insurance in Killeen
- Company100/300/100per year
- 1.$708
- 2.$721
- 3.$725
- 4.$730
- 5.$885
MoneyGeek collected average car insurance rates for a 40-year-old male driver in Killeen with a full coverage policy, in accordance with our methodology.
A full coverage policy protects your car from damage with comprehensive and collision insurance, which is why it’s more valuable than minimum coverage and costs more.
- Comprehensive insurance: protects you against risks, such as theft and non-collision damage
- Collision insurance: covers damage to your car in an at-fault collision
Depending on the value of an older car, a minimum coverage or liability-only policy may be a better option since a full coverage policy could cost more than the car’s value.
Compare Car Insurance Rates in Killeen
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Killeen for Minimum Coverage
If you want affordable car insurance in Killeen, choose a minimum coverage policy. On average, the cheapest insurers for minimum coverage in Killeen are:
- Farmers: $363 per year
- State Farm: $371 per year
If you have a military background, USAA offers the cheapest minimum coverage policy in Killeen at roughly $312 annually.
The General, the most expensive minimum coverage policy, costs up to $641 more per year than Farmers, the cheapest, open-to-all option.
Although minimum coverage costs less, the trade-off is that you do not get comprehensive and collision coverage and your liability limits are low, so you are not fully protected.
Use the table below to see how rates vary depending on liability coverage.
Cheapest Minimum Liability Car Insurance in Killeen
- CompanyState Minimumper year
- 1.$312
- 2.$363
- 3.$371
- 4.$390
- 5.$423
A state minimum coverage policy in Killeen only carries the minimum liability limits required by Texas, 30/60/25. The policy is the most affordable option, but you get the least protection in an accident and may pay out of pocket.
For example, if you cause an accident where the property damage is $35,000, your state minimum policy only covers $25,000, meaning you incur out-of-pocket costs of $10,000.
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.
Cheapest Car Insurance in Killeen if You Have Driving Violations
Violations like a ticket, DUI or an at-fault accident greatly affect the cost of car insurance in Killeen. Depending on the violation, the most affordable insurers in Killeen, on average, are:
- Cheapest after a ticket: State Farm, $730 per year
- Cheapest after an at-fault accident: State Farm, $878 per year
- Cheapest after a DUI: Esurance, $1,038 per year
If you have a military background and a DUI on your record, USAA is the cheapest option at around $1,031 per year.
If you have a poor driving record, improving it over time can help you get a cheaper rate for car insurance in Killeen. Compare quotes now, though, to find the most affordable insurers with a violation.
Cheapest Car Insurance in Killeen With a Violation
- CompanySpeeding Ticketper year
- 1.$730
- 2.$792
- 3.$844
- 4.$943
- 5.$982
Average Cost of Car Insurance in Killeen
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 with the national average, which is $1,424.
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.
Compare Car Insurance Rates in Killeen
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Killeen
MoneyGeek rated top auto insurance companies in Killeen based on average costs, claims ratings and customer satisfaction scores. We found the two best insurers in the city are:
- State Farm: MoneyGeek score of 95 out of 100
- GEICO: MoneyGeek score of 91 out of 100
USAA was excluded from this analysis since it only caters to military personnel and their families. For those with a military background, USAA is a top-rated car insurance company in Texas, with a MoneyGeek score of 95 out of 100.

MoneyGeek gave State Farm a near-perfect score in affordability. State Farm’s full coverage policy for a 40-year-old costs $730 per year, on average. The company provides the option of rideshare insurance, which not all insurers offer.
Drivers who work for ridesharing companies, such as Uber, may like State Farm’s rideshare insurance add-on. This coverage ensures that your personal policy remains in effect while you’re driving for the company. That means your medical, emergency roadside assistance and rental car reimbursement are all in effect whenever your app is on, when you match or have a passenger in your car. The only exception is your liability insurance.
Read MoneyGeek's State Farm auto Insurance Review
GEICO received high scores in affordability, claims and customer satisfaction. A unique add-on coverage GEICO provides is mechanical breakdown insurance. In Killeen, a full coverage policy with GEICO costs roughly $725 per year.
Mechanical breakdown insurance covers all your car’s parts and systems, providing better coverage at a better price than most dealer extended warranties. GEICO also offers common add-on coverages like accident forgiveness and roadside assistance. After your first at-fault accident, your premiums won’t increase with accident forgiveness. Roadside assistance can help you pay for lockout services, towing, mechanical labor and more.
Read MoneyGeek's GEICO auto Insurance Review







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
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.
About Mark Fitzpatrick
