Drivers in Killeen, Texas are legally required to have car insurance. Killeen’s average car insurance cost is $485 annually for a minimum coverage policy, and $1,682 for a full coverage policy. The Insurance Information Institute reports that Texas is one of the most populous states. However, there are only 8.3% uninsured drivers in Texas.
There are many options for car insurance in Killeen. We evaluated Killeen’s largest providers based on market share. These factors included average annual premium, coverage options and customer satisfaction.
Killeen’s best car insurance company
Our comparison shows that Allstate, Geico and State Farm are the top-rated car insurance companies in Killeen. These providers are distinguished by their low rates, reliable coverage and generous savings. They also have strong third-party ratings.
USAA
USAA is rated the highest by industry ratings and third-party metrics. To be eligible for USAA coverage, you must be a military veteran (or spouse) who is active duty or retired. USAA offers affordable car insurance for Killeen residents who meet the requirements. The company also offers great customer service and discount.
USAA offers discounts for students and drivers. You can also garage your vehicle at base or bundle your policies. Standard coverage is quite basic. However, you can add roadside assistance and accident forgiveness to your policy.
Geico
Geico is a good choice for Killeen residents looking for affordable car insurance. Geico is one of the most affordable providers within the city, based on the average annual rates. It charges $1,149 for full coverage, and $328 for minimal coverage. J.D. also rates Geico highly. Texas has the most power.
Although Geico’s coverage options for car insurance may be less than other providers in Killeen (e.g., they offer many discounts including savings for students, federal employees and military personnel.
State Farm
State Farm is the biggest car insurance company in the United States, accounting for more than 16%. State Farm is well-known for providing excellent customer service and offering great discounts. State Farm offers good coverage but only a few endorsements.
State Farm Killeen drivers have the opportunity to save money by bundling policies, getting a car with advanced safety features and taking a defensive driving course. State Farm offers two safety driver reward programs: Drive Safe & Save, and Steer Clear.
Allstate
Allstate’s average premiums might be higher than those we reviewed, but because of the strong coverage and great discounts, Allstate could be a good fit for many Killeen drivers. Drivers who want to personalize their policy with endorsements can get tailored protection.
Allstate offers endorsements that include new car replacement coverage, accident forgiveness, sound system insurance, and a deductible savings account. You can also get a lower rate if you insure a new car, enroll in AutoPay, are a smart student and pay your annual premium in full.
Cheapest Killeen car insurance
Killeen drivers pay approximately the same amount for car insurance as average Americans. The average cost for car insurance in the United States for minimum coverage is $565 and full coverage insurance costs $1,674 respectively. This means that Killeen residents pay approximately the same amount for full coverage insurance but an average of $80 less for minimal coverage insurance.
Below is a table that highlights Killeen’s cheapest car insurance. It is based on market share. It is important to remember that not all affordable car insurance companies are equal.
Providers can vary in terms of availability, coverage options, and customer satisfaction. Your individual circumstances will determine the rate you pay. This means that quotes from these providers and others may differ from the averages. The lowest rate may not be offered by the Killeen car insurance company that is the most affordable for one driver.
Insurance requirements for Killeen
Killeen drivers and others in Texas must have at least 30-60/25 personal insurance. This includes the following 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
The cheapest insurance policy available is the minimum coverage. Experts and insurers recommend that drivers choose coverage that offers better financial protection in case of a costly claim. It is not guaranteed that Killeen’s minimum coverage policy will cover all costs of an accident. Drivers who finance or lease their vehicle from a lender usually need full coverage until the loan is paid off.
Killeen: Car insurance discounts
Many car insurance companies in Killeen offer discounts to help drivers obtain a lower rate. These are the most popular car insurance discounts in Killeen:
- Student discount: Students in high school or college who have a minimum GPA are often eligible for a discount on car insurance premiums.
- Multi-policy discount: When you combine your auto and home insurance policies with the same company you will usually get a lower rate.
- Discounts for drivers who have not had any insurance claims in the past few years may be eligible for a discount.
- You can get a discount if you pay your annual premium in full. Most insurance companies will offer a slight discount if you pay your premium in full.
Questions frequently asked
Which is the best auto insurance company?
Every driver will have a different experience with the best auto insurance company. The factors that determine the best provider depend on where you live, what coverage you need, how much you are willing to spend and what kind of customer service you value.
What is the cost of Killeen car insurance?
The average annual car insurance premium in Killeen is $485 for a minimum coverage policy, and $1,682 if you have a full coverage policy. Keep in mind that your individual factors such as your credit score, age and make/model/year of the vehicle can affect how much you pay.