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Texas is a fast, busy state, and the city of Abilene contributes to the 22 million registered vehicles in the state. In 2018, there were 3,155 reported car accidents in Abilene, which is a big number for a small city. It reinforces the fact that sufficient car insurance in Texas is essential for every driver. According to Bankrate’s study of annual quoted premiums, the average cost of car insurance in Abilene is $443 for minimum and $1,646 for full coverage.
Most major car insurance providers are available in Abilene, but only a few are the cheapest. Whether you are a new insurance shopper or in the process of switching providers, the following are some of the best car insurance companies for affordable policies based on coverage options, discounts, third-party ratings, financial stability and overall customer service.
Best car insurance companies in Abilene
Based on our research, the best car insurance companies in Abilene are Geico, State Farm, USAA and Allstate. These providers stand out for their below-average rates as provided by Quadrant Information Services, good customer satisfaction ratings, available discounts, coverage options and claims satisfaction scores as provided by J.D. Power.
J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||846 / 1,000||$336||$1,241|
|State Farm||844 / 1,000||$454||$1,235|
|USAA*||878 / 1,000||$324||$1,127|
|Allstate||832 / 1,000||$447||$1,567|
*USAA is not officially ranked by J.D. Power due to eligibility restrictions.
Many drivers in Abilene choose Geico because of the company’s cheap car insurance rates. The average full coverage premium costs $1,241 per year and the average minimum coverage premium costs $336 per year, which is well below the city’s average rates.
Although Geico’s car insurance coverage options are limited, the company offers amazing discounts. Geico has savings for military service members, federal employees, emergency deployment, good students, safe drivers, paying your premium in full and many others.
Learn more: Geico Insurance Review
State Farm is known for offering low rates, helpful online tools and resources, and great discounts. In fact, State Farm is one of the only insurance companies that has two safe driver discount programs, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25.
In addition, State Farm offers a variety of traditional discounts, including special savings for teens. Some of the discounts available include bundling your policies, having safety features in your vehicle, being claims-free and taking a defensive driving course.
Learn more: State Farm Insurance Review
USAA is consistently rated as one of the top car insurance companies on the market. The catch is that you have to qualify for coverage. USAA only sells insurance policies to active duty and retired military members and their immediate family members, which makes the company ineligible for an official score position by consumer reporting agencies such as J.D. Power.
Abilene drivers who qualify for USAA coverage will enjoy excellent customer service, good coverage options and even better discounts. There are even military-specific savings, like up to a 15% discount on comprehensive coverage if you store your vehicle on base during deployment.
Learn more: USAA Insurance Review
Allstate is one of the most popular car insurance providers in the country. The policies are affordable, and drivers get access to robust coverage options, like sound system insurance, rideshare insurance and rental car reimbursement, plus great savings.
If you are a good driver, you can enroll in Allstate’s Drivewise safe driver reward program to get a discount of 40% or more on your insurance policy. Allstate also offers discounts for insuring new vehicles, being a smart student, signing up for automatic payments and more.
Learn more: Allstate Insurance Review
Cheapest car insurance in Abilene
The average cost of car insurance in Abilene is less expensive than the average rate in Texas, which is $1,823 per year for full coverage insurance and $524 per year for minimum coverage insurance. For comparison, the average car insurance rate in the United States is $1,674 for full coverage insurance and $563 for minimum coverage insurance.
However, car insurance rates can vary significantly based on the company that underwrites your policy. If you are looking for cheap car insurance in Texas, these are the most affordable options from the most popular carriers based on market share:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
When you are comparing insurance providers, it is important to look at other factors besides price. For example, USAA is the cheapest provider overall, but you must qualify for coverage. The second cheapest provider is Geico, which will sell coverage to anyone.
The same goes for coverage options. Geico and State Farm offer fewer endorsements than the other providers on this list. If you want to customize your policy, look into Allstate or Nationwide first. All five providers offer great discounts that can help you get a lower rate.
Abilene insurance requirements
Car insurance in Abilene is required if you own a Texas-registered vehicle. Drivers must carry a minimum amount of car insurance, which is abbreviated as 30/60/25. That includes the following liability coverages:
- $30,000 in bodily injury coverage per person
- $60,000 in bodily injury coverage per accident
- $25,000 in property damage coverage per accident
Uninsured and underinsured motorist coverages, as well as personal injury protection (PIP) must be offered but can be rejected in writing.
Drivers looking for cheap car insurance in Abilene might be tempted to purchase a minimum coverage policy. However, liability-only insurance may not cover the full cost of an at-fault accident. If your financial responsibility exceeds your policy’s limit, the difference has to be made up with out-of-pocket expenses.
Additionally, some drivers are required to carry full coverage insurance. This is typically the case for drivers who lease or finance their vehicle through a lender. And if you want financial protection for your vehicle, you will have to buy a full coverage policy with comprehensive and collision coverage.
Car insurance discounts in Abilene
Many car insurance companies in Abilene offer discounts that can help drivers get a cheaper rate. Some common car insurance discounts in the city include:
- Pay in full discount: Drivers who can afford to pay their annual premium upfront and in full can usually qualify for a discount on their car insurance policy.
- Good student discount: Good students, typically high school or college students who maintain a minimum GPA, can often get a lower car insurance rate.
- Claims-free discount: Drivers who have no prior insurance losses on their record within the last several years may take advantage of a claims-free discount.
- Bundling discount: If you own a home, you can usually get a discount on your car insurance policy, and you can save even more by bundling your policies.
A combination of discounts could help set you up with a low rate, but ones that relate directly to your driving or financial history are likely to have the largest impact. For example, paying your car insurance in full upfront not only fully wipes out an entire monthly bill, but also provides you a discount for being proactive.
Frequently asked questions
What is the best car insurance company?
Car insurance is very personalized, so the best car insurance company is going to be different for every individual. For instance, Geico might be the best option for a driver who is looking for a cheap rate, but USAA could be a better choice for someone in the military. Drivers should compare several providers based on the criteria that matter most to them in order to find the best provider.
How much does car insurance in Abilene cost?
Car insurance quotes in Abilene are moderately priced. The average full coverage annual insurance premium is $1,646 and the average annual minimum coverage insurance premium is $443. Because car insurance quotes are based on personal factors, you might pay more or less than the citywide average based on your age, credit score or claims history.
How much car insurance do I need in Abilene?
Drivers in Abilene are legally required to carry at least 30/60/25 in personal liability insurance. Uninsured and underinsured motorist coverages, as well as personal injury protection (PIP) must be offered but can be rejected in writing. However, you might need to upgrade to a full coverage policy if you lease or finance your vehicle. Most insurance companies recommend that drivers buy more coverage than what is required for added protection.
What is full coverage car insurance?
An auto insurance policy that includes both basic coverage as well as collision and comprehensive coverages is called full coverage. This type of car insurance not only helps pay for liability to other drivers but also covers your own vehicle in cases of damage and loss. A full coverage policy allows you to add several endorsements for better protection.
How do I find cheap car insurance?
Comparing different auto insurance providers in your region will help you narrow down the list of companies that are within your budget. Aside from the cost, do not forget to compare coverage options, ways to save, financial stability of the company, its reputation in the industry and the overall impression of customers.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.