The best car insurance in Killeen, TX

The average cost of full coverage car insurance in Killeen is $1,529. This is significantly cheaper than the Texas state average, which comes in at $1,840.

Comparison shopping is the best way to find affordable car insurance, and Policygenius can help you find quotes from the top providers and choose the coverage that's right for you.

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.

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.

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	Texas Farm Bureau	Germania Insurance	State Farm	GEICO	USAA
At-fault accident	$1,742	$1,461	$1,278	$1,822	$2,182
DUI	$4,155	$2,489	$1,731	$2,000	$2,153
Suspended license	$1,772	$1,975	$1,504	$2,000	$1,999
Open container	$4,155	$1,132	$1,641	$2,000	$1,639
Expired registration	$1,118	$1,132	$1,076	$1,384	$1,639
Driving without lights	$1,118	$1,132	$1,076	$1,384	$1,639
Not showing documents	$1,118	$1,132	$1,076	$1,384	$1,639
Running a red light	$1,118	$1,132	$1,076	$1,384	$1,639
Failure to yield	$1,118	$1,132	$1,076	$1,384	$1,639
Following too closely	$1,118	$1,132	$1,076	$1,384	$1,639
Hit and run	$2,151	$1,132	$1,731	$1,874	$2,153
Illegal turn	$1,118	$1,132	$1,076	$1,384	$1,639
Improper passing	$1,118	$1,132	$1,076	$1,384	$1,639
Not-at-fault accident	$1,118	$1,177	$1,076	$1,163	$1,451
Passing a school bus	$1,118	$1,132	$1,076	$2,000	$1,639
Racing	$2,151	$1,132	$1,731	$2,000	$2,153
Reckless driving	$2,151	$1,132	$1,731	$2,000	$2,153
Speeding	$1,118	$1,132	$1,076	$2,000	$1,639

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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.

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.

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.