Texas is fast-paced and bustling. Abilene, Texas, contributes to that.22 MillionThere are no registered vehicles in the state. 2018 saw the following:3,155 reported car accidentsAbilene has a population of approximately 20,000 people, which is quite a large number for such a small town. This reinforces the fact there is enough.Texas car insuranceEvery driver should have this ability.Bankrate’s annual quote premium study shows that Abilene has an average car insurance cost of $443 for minimum coverage and $1,646 full coverage.
While most major car insurance companies are available in Abilene there are only a handful that are the best. These are the top car insurance companies that offer affordable policies, whether you’re a new customer or looking to switch providers. They are ranked based on third-party ratings, financial stability, and coverage options.
Abilene’s best car insurance company
Our research shows that Allstate, State Farm, USAA, Geico are the top-rated car insurance companies Abilene. These providers are distinguished by their lower-than-average rates, customer satisfaction ratings and availability of discounts, coverage options, claims satisfaction scores, and available discounts.
Geico
Geico’s low rates make it a popular choice for Abilene drivers. The city’s average rates are well below Geico’s average premiums. The average full coverage premium is $1,241 per annum, while the average minimum coverage premium is $336 per annum.
Although Geico’s car insurance coverage options are limited, the company offers amazing discounts. Geico offers savings for military personnel, federal employees, and safe drivers.
State Farm
State Farm is well-known for its low rates, great online resources and tools, and amazing discounts. State Farm is the only company that offers two safe driver discount programs: Steer Clear for drivers younger than 25 and Drive Safe & Save (for drivers older than 25).
In addition, State Farm offers a variety of traditional discounts, including special savings for teens. Bundling policies, safety features in your car, being free from claims, and taking a defensive driving class are just a few of the discounts that State Farm offers.
USAA
USAA has been consistently rated among the best car insurance companies in the country. You must be eligible for coverage. USAA sells only insurance policies to military personnel, including active duty and retired military personnel and their immediate families. This makes USAA ineligible to receive a score from consumer reporting agencies like J.D. Power
Abilene drivers who qualify for USAA coverage will enjoy excellent customer service, good coverage options and even better discounts. You can even get 15% off comprehensive coverage for military personnel if your vehicle is stored on base.
Allstate
Allstate is a popular provider of car insurance. 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.
Abilene has the lowest car insurance
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. The average US car insurance rate is $1,674 per year for full coverage and $563 for minimal coverage.
Car insurance rates may vary depending on which company underwrites it. 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:
It is important to consider other factors when comparing insurance providers. USAA is the most affordable provider, but you have to be eligible for coverage. Geico is the second-cheapest provider, and it will offer coverage to everyone.
Same goes for coverage options. Geico and State Farm offer fewer options for endorsements than other providers. Allstate and Nationwide are great options if you’re looking to personalize your policy. You can get lower rates from all five providers.
Insurance requirements for Abilene
If you have a Texas-registered car, Abilene requires that you obtain car insurance. Drivers must carry a minimum amount of car insurance, which is abbreviated as 30/60/25. This includes the following liability coverages.
- $30,000 per person in bodily injury coverage
- $60,000 per accident in bodily injury coverage
- $25,000 in property damage coverage per accident
Drivers looking for cheap car insurance in Abilene might be tempted to purchase a minimum coverage policy. Liability-only insurance might not cover all the costs of an at-fault incident. Your financial responsibility must not exceed your policy’s limits. The difference must be paid out-of-pocket.
Some drivers must also have full coverage insurance. For those who finance or lease their vehicle from a lender, this is usually the case. You will need to purchase a comprehensive coverage policy that includes collision and comprehensive coverage if you want vehicle protection.
Abilene: Car insurance discounts
Many Abilene car insurance companies offer discounts to help drivers obtain a lower rate. Here are some common discounts for car insurance in the city:
- Get a full discount when you pay in fullCar insurance policies that offer discounts can be obtained for drivers who are able to afford their annual premiums upfront.
- Good student discount:Students who are good students in high school and college can often get lower rates on car insurance.
- Claims-free discount:Drivers with no insurance claims in the past few years are eligible for a claim-free discount
- Bundling discount:You can often get a discount on your home insurance, and you can also save more by bundling your policies.
You could get a combination of discounts to help you get a lower rate. However, the ones that directly relate to your driving record or financial history will have the greatest impact. Paying your car insurance upfront in full not only eliminates the monthly cost but also gives you a discount because you are proactive.
Questions frequently asked
Which is the best auto insurance company?
Car insurance is very personalized, so the best car insurance company is going to be different for every individual. Geico may be the best choice for drivers who are looking for a low rate. USAA might be better for military personnel. To find the best provider, drivers should compare multiple providers using the criteria they value most.
What is the cost of car insurance in Abilene?
Abilene car insurance quotes are moderately priced. Average annual full coverage insurance premiums are $1,646 while the average annual minimum coverage premium insurance premium is $443. Car insurance quotes are dependent on individual factors. You might pay more or lower than the average citywide premium depending on your credit score, claims history, and age.
What amount of car insurance do you need in Abilene
Abilene drivers are legally required by law to have at least 30/60/25 personal liability insurance. If you lease or finance your vehicle, however, you may need to upgrade to full coverage. Insurance companies advise that drivers purchase more coverage than is necessary to provide additional protection.
What is full coverage auto insurance?
Full coverage is an auto insurance policy that covers both collision and comprehensive coverages. This type of insurance covers you and your vehicle for damage or loss. You can add endorsements to your full coverage policy for greater protection.
How can I get cheap car insurance?
Comparing auto insurance providers in your area will help you narrow down your choices. Compare the cost of insurance, as well as the savings options and financial stability. Also, consider the reputation of the company in the industry, customer service, and coverage options.
