The average cost of full coverage car insurance in Killeen is $1,658. That's $160 cheaper than the statewide average cost in Texas, which comes in at $1,818.
The best way to find affordable car insurance is by comparing quotes, and Policygenius can help you find quotes from the top providers and choose the coverage that's right for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Killeen, TX
Insurance companies consider everything from your past driving history and ZIP code to your credit score when calculating your rates.
But each insurance company uses a different internal calculation system to determine the risk for individual drivers. So the same driver can receive two very different quotes from two different companies, which is why it’s so important to compare options.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $82/month | 882 |
Farm Bureau | $86/month | -- |
Redpoint County Mutual | $92/month | -- |
Germania Insurance | $97/month | -- |
GEICO | $101/month | 874 |
Cheapest car insurance rates by ZIP code in Killeen, TX
One of the most important factors when determining car insurance rates is your ZIP code. Rates of traffic accidents and incidents, crime, and even off-street parking options in your neighborhood all matter when it comes to car insurance rates.
ZIP code | Average cost |
|---|---|
76543 | $1,640 |
76541 | $1,658 |
76542 | $1,661 |
76549 | $1,674 |
Choosing the right car insurance company in Killeen, TX
Choosing the right insurance company and coverage can be tricky. Most people use cost as the only determining factor. But when you’re researching a potential car insurance provider, make sure to look into discount options, customer reviews, and digital tools as well as cost and coverage options.
If you're ready to start shopping, then Policygenius can help you see quotes from top providers and choose the coverage that's right for you.
Car insurance rates for drivers with driving violations in Killeen, TX
Most insurance companies look at the past three-to-five years of your driving history. If you had any recorded incidents during that time frame, like a speeding ticket, accident, or DUI, then you can expect to see higher insurance rates.
Violation | State Farm | Farm Bureau | Redpoint County Mutual | Germania Insurance | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,177 | $1,751 | $1,105 | $1,599 | $1,848 |
Suspended license | $1,375 | $1,124 | $1,105 | $2,148 | $2,026 |
Open container | $1,493 | $2,115 | $1,105 | $1,248 | $2,026 |
Expired registration | $998 | $1,124 | $1,105 | $1,248 | $1,429 |
Driving without lights | $998 | $1,124 | $1,105 | $1,248 | $1,429 |
Running a red light | $998 | $1,124 | $1,105 | $1,248 | $1,429 |
Following too closely | $998 | $1,124 | $1,105 | $1,248 | $1,429 |
Hit and run | $1,573 | $1,124 | $1,105 | $2,696 | $2,026 |
Not-at-fault accident | $998 | $1,124 | $1,105 | $1,299 | $1,207 |
Passing a school bus | $998 | $1,124 | $1,105 | $1,248 | $1,429 |
Reckless driving | $1,573 | $1,124 | $1,105 | $2,696 | $2,026 |
Cheapest car insurance for drivers with a DUI in Killeen, TX
Company | Rates for drivers with DUIs |
|---|---|
Redpoint County Mutual | $1,105 |
State Farm | $1,573 |
GEICO | $2,026 |
Farm Bureau | $2,115 |
Germania Insurance | $2,696 |
Cheapest car insurance for drivers with a speeding ticket in Killeen, TX
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $998 |
Redpoint County Mutual | $1,105 |
Farm Bureau | $1,124 |
Germania Insurance | $1,248 |
GEICO | $2,026 |
Cheapest car insurance for drivers with bad credit in Killeen, TX
Credit score is one of a number of factors used to determine car insurance rates and coverage options. While a few states have passed laws preventing insurance companies from using credit scores to set insurance rates, Texas is not one of them. In Texas, drivers with lower credit scores will see higher car insurance rates, which makes it all the more important to compare coverage options.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,105 |
Germania Insurance | $2,302 |
Nationwide | $2,343 |
Auto Club | $2,393 |
Southern County Mutual | $2,473 |
Buying car insurance in Killeen, TX
Texas drivers are required to have $30,000 per person and $60,000 per accident in bodily liability coverage. In addition, Texas drivers must have a minimum of $25,000 in property damage liability coverage.
Texas is also an at-fault state (as opposed to a no-fault state). That means that in Texas, the insurance company of the driver responsible for an accident will pay for the damage and injuries to all parties.
How to get cheap car insurance in Killeen, TX
If your car insurance rates seem too high, there are a number of ways to help reduce the total cost.
Find discounts or bundle coverage: Many insurance companies offer discounts or savings for bundling multiple types of coverage at once.
Raise your deductible: Increasing your insurance deductible can decrease your rates, but remember that you actually have to pay your deductible if you use your coverage.
Reshop regularly: Shop around for car insurance yearly, especially if your rates go up at renewal.
Frequently asked questions
Is car insurance less expensive in Texas?
The cost of car insurance in Texas is $180 more expensive than the national average. Texas drivers can save money on car insurance by comparing quotes from multiple companies.
What kind of violations have the biggest impact on car insurance rates in TX?
Violations like DUI/DWI and driving with an open container are some of the most costly driving violations to have on your MVR. They can also result in loss of driving privileges.
Is Texas an at-fault state?
Yes, Texas is an at-fault state. This means a driver who is at fault in an accident is responsible for paying the bodily injury and property damage costs from the accident. Drivers who don't have enough car insurance to cover the cost of the accident will be required to pay any additional costs out of pocket.
How much is car insurance per month in Texas?
The average cost of car insurance in Texas is $152 per month, or $1,818 per year.
