Best Cheap Auto Insurance in Killeen, TX (2021)

On average, Killeen, TX auto insurance rates are $4,849/yr. The cheapest auto insurance company in Killeen, Texas, is USAA. However, Killeen, TX auto insurance quotes vary for each person. Killeen car insurance must meet the minimum Texas car insurance requirements with coverage levels of 30/60/25 for liability. Compare Killeen, TX auto insurance online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 13, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • On average, Killeen, TX auto insurance rates are $4,849/yr
  • USAA, State Farm, and GEICO is the cheapest auto insurance companies in Killeen
  • The most significant factors in auto insurance are your driving record, age, vehicle, and credit history

How much is auto insurance in Killeen, TX? Killeen, TX auto insurance rates are $4,849 per year, which is $806 more expensive than the Texas auto insurance average and $987 more than the national average.

Killeen, TX auto insurance quotes are expensive, but personal factors could change coverage costs.

Read through this short guide to learn how to secure cheap auto insurance in Killeen, TX, for every age, credit history, and driving record.

Monthly Killeen, TX Car Insurance Rates by ZIP Code

Check out the monthly Killeen, TX auto insurance rates by ZIP Code below:

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Killeen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Killeen, TX stack up against other top metro auto insurance rates? We’ve got your answer below.

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Are you ready to compare affordable Killeen, TX auto insurance quotes? Enter your ZIP code above to get started.

What is the cheapest Killeen, TX auto insurance company?

The cheapest auto insurance company in Killeen, based on average rates, is USAA.

Which Killeen, TX auto insurance company has the cheapest rates? And how do those rates compare against the average Texas auto insurance company rates? We’ve got the answers below.

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The best auto insurance companies in Killeen, TX, ranked from cheapest to most expensive are:

  • USAA – $2,202
  • State Farm – $2,679
  • GEICO – $2,719
  • Nationwide – $3,040
  • Progressive – $3,734
  • American Family – $4,282
  • Allstate – $4,976

Each Killeen, TX car insurance company has a unique premium that’s impacted by several factors.

The only company that is more expensive than Killeen’s average is Allstate. However, Allstate has over 30 discounts. Although you may not qualify for all of them, you could save 30% on auto insurance.

Killeen, TX auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Killeen auto insurance rates. Find the cheapest Killeen, TX auto insurance rates by coverage level below:

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Your credit score will play a major role in your Killeen auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Killeen, TX auto insurance rates by credit score below.

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Your driving record will play a major role in your Killeen auto insurance rates. For example, other factors aside, a Killeen, TX DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Killeen, TX auto insurance rates by driving record.

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Factors affecting auto insurance rates in Killeen, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Killeen, Texas auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Texas does use gender, so check out the average monthly auto insurance rates by age and gender in Killeen, TX.

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What are the auto insurance requirements in Killeen, TX?

All Killeen drivers have to meet the Texas state law minimum requirements for auto insurance.

In Texas, you have to carry at least:

  • $30,000 for bodily injury liability of one person
  • $60,000 for bodily injury liability of multiple people
  • $25,000 for property damage liability

Texas is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

Collision, comprehensive, and uninsured/underinsured coverages aren’t required, but they’re necessary for drivers who have a high-value vehicle or a vehicle for that being financed.

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What factors affect auto insurance rates in Killeen, TX?

Auto insurance is cheaper with companies because they use various factors to determine auto insurance rates. Explore each subsection to see how car insurance is affected by different factors.

How does Killeen auto insurance compare to other Texas cities?

Your address can determine your auto insurance rates. Let’s look at the cost of auto insurance from other cities compared to Killeen.

Not only is Dallas more expensive, but it’s also an area that’s more populated than Killeen. However, some areas in Texas have fewer people and more expensive auto insurance.

How does your driving history affect Killeen, TX auto insurance?

The most significant factor that affects Killeen, TX car insurance rates is your driving record. If you want to secure affordable Killeen, TX car insurance quotes, you must maintain a clean driving record.

Any accident or other driving infraction can drive up your rate by at least $200 per year.

How do age and gender impact Killeen, TX auto insurance?

Age correlates to your overall driving experience. Therefore, teens and young adults are connected to more expensive rates.

Even gender can impact your rates. Males are riskier drivers, so auto insurance in Killeen is more expensive for young and single male drivers.

Can credit history affect your auto insurance in Killeen, TX?

Parents can secure affordable Killeen, TX car insurance through good credit. Car insurance providers correlate good and excellent credit to fewer chances of filing a claim.

How can commute mileage affect auto insurance in Killeen, TX?

Your car insurance provider considers how much you drive your vehicle to determine risk.

Expect your commutes to be twice as long during congested traffic. Killeen doesn’t have much traffic data, but it does have information on commute time.

According to City-Data, the average commute time in Killeen, TX is 22 minutes, which is three minutes faster than the national average.

How does a vehicle make and model year impact Killeen, TX auto insurance?

Even if you have one of the top 10 vehicles in the United States, your car insurance rates in Killeen, TX will cost at least $2,200.

However, you can get auto insurance discounts if your vehicle has anti-theft and safety features.

Can vehicle theft affect comprehensive coverage in Killeen, TX?

Your comprehensive auto insurance may be more expensive in Killeen. According to Neighborhood Scout, property crime chances are higher than the national average.

Higher property crime rates could mean higher prices for auto insurance. However, the 2019 FBI statistics reported 318 auto thefts in Killeen. It’s much less than bigger cities in Texas, but it still affects auto insurance.

Killeen, TX Auto Insurance: The Bottom Line

The best way to secure cheap Killeen, TX auto insurance is through discounts and a clean driving record. If you don’t qualify for savings, keep shopping around until you can get an affordable policy.

Before you buy Killeen, TX auto insurance, be sure you’ve checked out rates with the best companies. Enter your ZIP code below to get fast, free auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Killeen, TX Auto Insurance Rates by ZIP Code
Killeen, TX Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Monthly Killeen, TX Auto Insurance Rates by ZIP Code
Killeen, TX Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Killeen, TX Auto Insurance Rates by Company vs. City Average
Killeen, TX Auto Insurance Rates by Company and Age
The Cheapest Killeen, TX Auto Insurance Rates by Coverage Level
The Cheapest Killeen, TX Auto Insurance Rates by Credit Score
The Cheapest Killeen, TX Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Killeen, TX
Average Monthly Auto Insurance Rates by Age & Gender in Killeen, TX
Killeen, TX Auto Insurance Rates by Company vs. City Average
Killeen, TX Auto Insurance Rates by Company and Age
The Cheapest Killeen, TX Auto Insurance Rates by Coverage Level
The Cheapest Killeen, TX Auto Insurance Rates by Credit Score
The Cheapest Killeen, TX Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Killeen, TX
Average Monthly Auto Insurance Rates by Age & Gender in Killeen, TX