In Killeen, Texas, drivers are legally required to carry car insurance. The average cost of car insurance in Killeen is $485 per year for a minimum coverage policy and $1,682 per year for a full coverage policy. Despite being one of the most populated states, the Insurance Information Institute indicates Texas has a relatively low number of uninsured drivers, at a rate of 8.3%.
Drivers have a variety of options when it comes to car insurance in Killeen. To find which providers might offer the best car insurance in Killeen, we evaluated the biggest providers (by market share) on factors such as average annual premium, coverage options, discounts and customer experience or satisfaction.
Best car insurance companies in Killeen
Based on our comparison, the best car insurance companies in Killeen may include USAA, Geico, State Farm and Allstate. These providers stand out for their competitive average rates, reliable coverage, generous savings opportunities, impressive financial strength and strong third-party ratings.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
USAA is one of the highest-rated car insurance companies on the market by third-party metrics and industry ratings. However, you must be an active duty or retired military service member (or family member) in order to qualify for coverage with USAA. Killeen drivers who qualify for USAA car insurance can take advantage of the company’s affordable rates, great customer service and discounts.
USAA offers savings for good students, good drivers, garaging your vehicle on base, bundling your policies, and taking a driver training course. The coverage for a standard policy is fairly basic, but you may choose to add roadside assistance, accident forgiveness and rental car reimbursement for even more protection.
Killeen drivers who are looking for a cheap car insurance premium may want to consider Geico. It is one of the most affordable providers in the city based on average quoted rates, with an annual rate of $1,149 for full coverage and $328 for minimum coverage. Geico is also highly rated by J.D. Power in the Texas region.
Geico’s car insurance coverage options may be more limited compared to other providers in Killeen, but the provider does offer lots of discounts, including savings for good students, federal employees, military personnel, emergency deployments, membership/employer groups, having a vehicle with safety features and others.
State Farm is the largest car insurance company in the country, with over 16% of the total market share. It is also well-known for its excellent customer service and great discounts. State Farm has good coverage, but only offers a handful of endorsements.
With State Farm, Killeen drivers can save money by bundling their policies, having a car with advanced safety features, taking a defensive driver course, being a good student and more. State Farm also has two safe driver rewards programs, Drive Safe & Save and Steer Clear.
Allstate’s average premiums may land on the higher end of those reviewed here, but given the robust coverage, good discounts and unique member perks, Allstate may be an ideal fit for many Killeen drivers. Especially for drivers who prefer to customize their policy with endorsements for tailored protection.
Allstate’s endorsement options include accident forgiveness, new car replacement coverage, a deductible savings bank and sound system insurance. Plus, you can get a lower rate by insuring a new vehicle, enrolling in AutoPay, being a smart student, paying your annual premium in full and having safety equipment in your car, like an anti-theft device and anti-lock brakes.
Cheapest car insurance in Killeen
Drivers in Killeen, Texas pay about as much for car insurance as the average American driver. For comparison, the average cost of car insurance in the United States is $565 per year for minimum coverage insurance and $1,674 per year for full coverage insurance. That means Killeen drivers pay roughly the same for full coverage insurance, but average $80 less for minimum coverage insurance.
The table below highlights the cheapest car insurance in Killeen from the largest carriers based on market share. However, it is important to consider that not all cheap car insurance companies are created equal.
For example, providers vary widely in availability, coverage options and customer satisfaction. Because your own circumstances determine your rate, quotes from these and other providers will vary from the averages below. What may be the cheapest car insurance company in Killeen for one driver may not offer the lowest rates for another.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Killeen insurance requirements
Drivers in Killeen and other cities in Texas are legally required to carry at least 30/60/25 personal liability insurance, which includes the following 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
A minimum coverage insurance policy is the cheapest option available. However, experts and insurers typically recommend that most drivers opt for coverage that provides better financial protection in the event of a costly claim. There is no guarantee that a minimum coverage policy in Killeen will cover the full cost of an accident. Additionally, drivers who lease or finance their car from a lender are usually required to carry full coverage insurance until their loan is paid off.
Car insurance discounts in Killeen
Most car insurance companies in Killeen offer discounts that can help drivers get a lower rate. Here are some of the most common car insurance discounts available in the city:
- Good student discount: High school and college students who maintain a minimum GPA often qualify for a discount on their car insurance premium.
- Multi-policy discount: If you bundle your home and auto insurance policy with the same company, you can usually get a lower rate.
- Claims-free discount: Drivers who have no prior insurance claims on their record within the last several years can sometimes qualify for a claims-free discount.
- Pay in full discount: If you pay your annual premium upfront and in full, most insurance companies will give you a small discount on your premium.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is going to be different for every driver. The best provider depends on factors like where you live, how much coverage you need, what type of coverage you need and how much you want to spend, as well as how much you value customer experience.
How much does car insurance in Killeen cost?
In Killeen, the average annual car insurance premium is $485 for a minimum coverage policy and $1,682 for a full coverage policy. However, remember that you might pay more or less depending on unique factors like your age, credit score and the make/model/year of your vehicle.
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.