Cheapest and Best Car Insurance Companies in Killeen, TX

Depending on the situation, a different service provider might be the cheapest for you. For instance, State Farm has the best prices for full and minimum coverage, young drivers, military personnel and drivers who have been in an accident or caught speeding. For those with a DUI, Mercury is the least expensive option. Chubb provides the best customer support, while Texas Farm Bureau Group has the best cheap rates overall.

The following insurance providers in Killeen provide the lowest-priced minimum auto coverage for drivers:

• State Farm: $273 per year
• Texas Farm Bureau Group: $315 per year

Texas Farm Bureau offers the most affordable rates overall in Texas at around $339 a year, showing that costs can vary depending on where you live. Dairyland is the most expensive in Killeen, costing $1,045 annually. To assist you in comparing your options, MoneyGeek also ranked the Texas car insurance companies with the lowest rates.

The following minimum requirements must be met by auto insurance policies in Texas for bodily injury and property damage coverage:

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

If you cause an accident and have bodily injury liability insurance with a cap of $30,000 per person and $60,000 per accident, your insurer will cover the costs of the affected parties' medical care up to that limit. You are responsible for paying the remaining amount.

These Killeen providers offer the cheapest full coverage auto insurance:

• State Farm: $596 per year
• Texas Farm Bureau Group: $744 per year

Texas Farm Bureau provides the most affordable full coverage in Texas for about $760 a year, though prices can change based on where you live. Dairyland has the most expensive comprehensive insurance plan in Killeen, which has an annual cost of $1,994.

Full coverage policies generally include collision and comprehensive insurance.

• Collision Insurance: Covers the expense of repairing damage to your car caused by colliding with another object or car.
• Comprehensive Insurance: Covers the expense of damage not caused by a collision, such as fire or vandalism.

Investing in full coverage may make sense, given the high cost of purchasing a new vehicle. If your car is older, you might not want to spend the extra funds each year.

The following insurers in Killeen offer the cheapest rates for drivers with violations:

• Speeding ticket: State Farm ($596 per year)
• At-fault accident: State Farm ($738 per year)
• DUI: Mercury ($1,070 per year)

Foremost has the highest average rates for drivers who have been in accidents, coming in at $3,334. The highest average insurance premiums, $2,440, are paid by drivers who have received speeding tickets from Dairyland. Chubb charges the highest yearly average rate at $2,364 for drivers with DUIs.

Even if you search for the lowest rates, a motorist with a poor driving history will frequently pay more than a driver with no violations.

Your premium will likely increase in direct proportion to how serious the driving offense is. For instance, a driver in Killeen with a DUI might anticipate an increase in insurance costs of up to $448 per year compared to a driver with a clean record. However, if you have a ticket, your premium might increase by as much as $208 per year. To help you save money, MoneyGeek has compiled a list of the cheapest auto insurance for drivers with poor driving records.

Families in Killeen with 16-year-old teens can get the most affordable auto insurance rates from these providers:

• Nationwide: $1,344 per year for female teens; $1,532 per year for male teens
• State Farm: $1,560 per year for female teens; $1,887 per year for male teens

Allstate is the most expensive insurance company in Killeen, with average annual premiums for a female teen and a male teen under a family premium of $5,468 and $6,435, respectively.

Due to their perceived increased insurance risk, young males often pay higher rates, though this difference begins to disappear as they approach early adulthood. The $188 price difference from Nationwide highlights this difference.

When purchased separately, teenage drivers' auto insurance rates are much higher. Including them under a family policy can result in big savings. The annual difference between a family plan and an individual plan for a male teen in Killeen, Texas, is $3,267. MoneyGeek found the most affordable teen car insurance premiums.

For military members buying full coverage auto insurance, the following companies in Killeen have the least expensive military auto insurance plans:

• State Farm: $596 per year
• Texas Farm Bureau Group: $744 per year

USAA also provides comprehensive coverage to service members for around $751 a year and gives unique military discounts.

Meanwhile, State Farm offers the lowest average annual minimum coverage prices at $273, followed by USAA at around $308.

It takes time to compare auto insurance rates in Killeen. The amount of information needed might make the estimate process from one company take up to 15 minutes or more.

You can enter your age, vehicle information, driving history and desired level of coverage into the MoneyGeek auto insurance calculator below to get a ballpark figure quickly.

The right insurance provider for you depends on your priorities as a driver. These are the best car insurance companies in Killeen:

• Best overall: Texas Farm Bureau Group (MoneyGeek score 78 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Texas Farm Bureau Group (MoneyGeek score 79 out of 100)

MoneyGeek scores can vary in each category due to changes in weightings. The best overall insurer in Texas is also Texas Farm Bureau Group.

With a MoneyGeek rating of 81 out of 100, USAA auto insurance is a good choice for military families.

Based on a comparison of cost and coverage, these are MoneyGeek's choices for Killeen's top auto insurance providers:

• Texas Farm Bureau Group: MoneyGeek score 78 out of 100 ($744 per year)
• State Farm: MoneyGeek score 76 out of 100 ($596 per year)

Texas Farm Bureau Group was chosen as the top service provider because of its high level of client satisfaction and affordable prices. For military families, USAA is worth considering. It earned a score of 81 out of 100.

According to MoneyGeek's standards for customer satisfaction, the following companies are Killeen's top vehicle insurance providers, regardless of price:

• Chubb: MoneyGeek score 76 out of 100 ($1,207 per year)
• Foremost: MoneyGeek score 67 out of 100 ($1,451 per year)

Chubb has the best claims management process and one of the highest customer ratings. In comparison to other insurers, its premiums are slightly above average.

To find the best minimum coverage auto insurance policy in Killeen, MoneyGeek evaluated prices and customer ratings for a variety of providers that meet Texas’ minimum legal requirements:

• Texas Farm Bureau Group: MoneyGeek score 79 out of 100 ($315 per year)
• State Farm: MoneyGeek score 78 out of 100 ($273 per year)

Texas Farm Bureau Group offers reasonable prices for basic insurance as well as supportive customer service. Keep in mind that basic coverage insurance doesn't provide as much protection against liability claims and doesn't cover damage to your own car.

The average cost of full coverage car insurance for Killeen residents is $1,052 per year. This represents savings of $149 and $213 when compared to the average cost of auto insurance in the state of Texas ($1,201) and the average cost of auto insurance nationwide ($1,265) as of October 2022. These are the rates for a comprehensive insurance policy that covers $100,000 in bodily injury liability protection per person, $300,000 in bodily injury liability protection per accident and $100,000 in property damage protection.

Many factors impact the cost of your insurance, including location.