The best car insurance in Killeen, TX

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Laura GunnLaura GunnFreelance contributorLaura 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.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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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.

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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.

Key Takeaways

  • The company with the lowest average rate in Killeen is State Farm, at $983 per year

  • The cheapest Killeen ZIP code for insurance rates is 76543, where the average cost is $1,640 per year

  • 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

State Farm

$983

882

Farm Bureau

$1,034

--

Redpoint County Mutual

$1,105

--

Germania Insurance

$1,165

--

GEICO

$1,216

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

DUI

$1,573

$2,115

$1,105

$2,696

$2,026

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

Speeding

$998

$1,124

$1,105

$1,248

$2,026

Collapse table

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

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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

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.

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: $50,000 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.

Authors

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.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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