The best car insurance in Abilene, TX

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published October 29, 2021

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The average cost of a full coverage insurance policy in Abilene is $1,665 per year.  This rate is below the Texas state average, and Abilene residents can reduce their costs even further by maintaining a clean driving record, keeping their credit score up, and reshopping their car insurance regularly.

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The best way to save on car insurance is by comparing quotes from top companies. Policygenius can show you multiple options and help you find coverage at a price that works for you.

Key Takeaways

  • Texas Farm Bureau Insurance has the lowest average car insurance rates in Abilene at $1,010 per year for full coverage.

  • Abilene drivers insured with Texas Farm Bureau who are arrested for a DUI can expect to pay about $3,000 more per year for car insurance.

  • The minimum Texas car insurance requirements are $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage liability per accident.

Cheapest car insurance companies in Abilene, TX

The car you drive, whether you’re single or married, and how many speeding tickets you’ve received in the last year all dictate what you’re going to pay for car insurance. 

Insurance companies all use the same information when establishing car insurance rates, but they each have their own internal systems to calculate how each factor affects the price you pay. Below are the cheapest car insurance rates by company in Abilene.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,010

--

State Farm

$1,029

881

Germania Insurance

$1,204

--

GEICO

$1,264

871

USAA

$1,287

890

Cheapest car insurance rates by ZIP code in Abilene, TX

Your street address is one of the biggest factors car insurance companies use when establishing the cost of your car insurance. For example, if you live in a neighborhood where the crime rate is higher, you’ll pay more for car insurance. 

Additionally, the number of accidents and speeding tickets in your area, and even the number of street lights and access to secured parking on your street can impact your rates. 

ZIP code

Average cost

79601

$1,655

79602

$1,653

79603

$1,666

79605

$1,662

79606

$1,633

79607

$1,643

79697

$1,749

79698

$1,647

Choosing the right car insurance company in Abilene, TX

Abilene sits in the heart of Texas and allows easy access to many historical sites. However, getting where you need to go requires driving on busy roads, so you want to be sure you have the best protection when it comes to your car insurance. Here are some things to consider:

  • How does the claims process work? Are they well rated when it comes to claims satisfaction?

  • Do they offer discounts?

  • Do they offer all the coverage you need?

Policygenius can help you find answers to these questions by showing you options from top insurance carriers.

Car insurance rates for drivers with driving violations in Abilene, TX

Accidents not only injure drivers, they raise your rates, sometimes by a lot. For example, if you’re insured with State Farm, an at-fault accident can raise your insurance rates by almost $250 per year.  These rates could be even higher if you have additional moving violations such as speeding tickets or running a red light.

Below are the average rates for drivers in Abilene with an at-fault accident or other driving violations.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,696

$1,244

$1,637

$1,995

$2,050

DUI

$4,053

$1,689

$2,723

$2,184

$2,030

Driving with a suspended license

$1,721

$1,466

$2,179

$2,184

$1,887

Driving with an open container

$4,053

$1,601

$1,290

$2,184

$1,551

Driving with expired registration

$1,096

$1,044

$1,290

$1,519

$1,551

Driving without Lights

$1,096

$1,044

$1,290

$1,519

$1,551

Failure to show documents

$1,096

$1,044

$1,290

$1,519

$1,551

Failure to stop at a red light

$1,096

$1,044

$1,290

$1,519

$1,551

Cheapest car insurance for drivers with bad credit in Abilene, TX

A bankruptcy stays on your credit report for seven years. Many drivers don’t know that it can also affect the rates you pay for car insurance during the same period. 

Insurance companies consider drivers with bad credit to be high-risk and charge them significantly more for insurance. Below are the cheapest car insurance rates in Abilene for drivers with bad credit.

Company

Rates for drivers with bad credit

State Farm

$2,141

Redpoint County Mutual

$2,146

Auto Club Group

$2,198

Germania Insurance

$2,376

USAA

$2,407

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Buying car insurance in Abilene, TX

To be legally insured in Texas, the law says drivers must have the following state minimum liability insurance requirements:

  • Bodily injury liability coverage per person: $30,000

  • Bodily injury liability coverage per accident: $60,000

  • Property damage liability coverage: $25,000

  • Have continuous coverage on a vehicle even if it is inoperable or not being driven.

  • The insurance policy must be issued by a company licensed by the Texas Department of Insurance.

If you drive an expensive car or want more coverage than just the state minimum requirements in Abilene, there are other options to consider:

  • Comprehensive Insurance: This coverage usually covers damage from things like falling objects, vandalism, and fire.

  • Collision Insurance: This protection usually pays for damage to your car if you run into something, like another car or a stationary object.

Texas is a fault state when it comes to accidents. This means that if you cause a wreck, your insurance company is responsible for paying any damages or personal injuries payments to the injured party.  

Texas also follows a modified comparative fault rule when more than one driver is to blame for an accident. If the case goes to trial, a jury will award damages based on the degree of fault. If the jury finds you more than 50 percent responsible for the wreck, you will not recover any damages due to the modified rule.

How to get cheap car insurance in Abilene, TX

The easiest way to get cheap car insurance in Abilene is to shop around for coverage, and always ask your insurance provider what discounts they can offer. Here are some of the most common:

  • Military discount: A discount for active-duty military and their families

  • Take a defensive driving course: Many companies offer a discount to policyholders who’ve recently taken a defensive driving course

  • Bundling discount: The combination (bundling) of renters or home insurance and car insurance with the same company

  • Good student discount: Many companies offer students a discount for maintaining a B average or better

  • Low mileage discount: For drivers who drive less than 7,500 miles a year.

Not everyone will qualify for these discounts. If your rates are too high, it might be time to shop around for a better deal. 

Frequently asked questions

Who has the cheapest car insurance in Abilene?

According to our research, Texas Farm Bureau has the lowest rates in the city, at $1,010 per year for full coverage. But the best way to find the cheapest insurance for you is to compare quotes from multiple insurers.

I was late paying my rent. Will my rates go up?

Your credit history impacts the cost of car insurance. Have too many late payments, and your rates could increase — sometimes significantly.

I’m single, but getting married soon. Should I tell my insurance company?

Many insurance companies rate married couples as less likely to file a claim, so be sure to tell your insurance company once you’re married. Your rates could go down, although probably not by a lot.

I got a speeding ticket. Will my rates go up?

Driving history is one of the biggest factors when it comes to insurance rates, so your rates could go up after a ticket or other violation.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.