The best car insurance in Killeen, TX

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 3, 2021

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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.

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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.

Key Takeaways

  • The company with the lowest average rate in Killeen is Texas Farm Bureau, at $1,029 per year

  • The cheapest Killeen ZIP code for insurance rates is 76542

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

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

Texas Farm Bureau

$1,029

--

Germania Insurance

$1,055

--

State Farm

$1,059

881

GEICO

$1,158

871

USAA

$1,367

890

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

76541

$1,680

76542

$1,683

76543

$1,662

76549

$1,683

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

Driving with a suspended license

$1,772

$1,975

$1,504

$2,000

$1,999

Driving with an open container

$4,155

$1,132

$1,641

$2,000

$1,639

Driving with 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

Failure to show documents

$1,118

$1,132

$1,076

$1,384

$1,639

Failure to stop at a red light

$1,118

$1,132

$1,076

$1,384

$1,639

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

$2,045

Germania Insurance

$2,090

State Farm

$2,209

Nationwide

$2,260

Auto Club Group

$2,311

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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

What is considered a bad credit score?

Credit scores are on a scale that ranges from 300 to 850. An excellent credit score is 823+, a very good credit score is 795-822, a good credit score is 769-794, a fair credit score is 710-740, and a poor credit score is 524-577. Anything below a 577 is considered very poor.

What kind of violations have the biggest impact on car insurance rates?

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.

Are there any other factors that can affect my car insurance rates?

Gender is used by car insurance companies as one of many factors (except in states where insurance companies aren’t allowed to consider your gender). However it’s just one of many different variables, so it’s hard to say for sure whether men or women pay more for coverage.

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.