Cheapest Auto Insurance in Killeen, Texas (2025)

If you want to legally and safely hit the open road in Killeen, Texas, know that the average cost of car insurance in the city is $154 per month. This is more expensive than the national average auto insurance premium of $143 per month.

Insurance companies take factors like an area’s accident, vehicle theft, and severe weather rates into consideration when determining how risky it is to insure a driver.1 Killeen’s number of car thefts is on par with nearby Waco’s and higher than many other neighboring cities’ reported numbers.2 This could contribute to the city’s higher-than-average car insurance premiums.

Cheapest car insurance companies in Killeen

When looking for a new car insurance policy, you want to balance affordability with the right amount of coverage for your needs. You also want to look for a car insurance company that has strong customer reviews and offers the key features you want.

Best insurer for discounts: State Farm

Best insurer for bundling: GEICO

Best insurer for low-mileage drivers: Mile Auto

How to get the cheapest car insurance in Killeen

Getting cheap car insurance is important for many people’s wallets, but it takes a little effort on your part to find affordable rates. Here’s how to find cheap car insurance in Killeen:

• Bundle insurance policies. Consider consolidating your insurance needs by finding an insurance company that offers both car and homeowners insurance or renters. Many companies apply bundling discounts to customers with multiple policies, like auto insurance, renters insurance, homeowners insurance, and life insurance.

• Shop for deals. Take the time to research and compare quotes from various insurance companies. This will help you identify the most affordable policy that also meets your coverage requirements.

• Ask about discounts. It’s always a good idea to ask about available discounts from your insurance company. Insurers often offer discounts for taking a defensive driving class, opting into paperless billing, and getting good grades. Maximizing these discounts can lead to substantial savings on your premiums.

Cheapest liability-only car insurance in Killeen: State Farm

Liability car insurance pays for injuries and property damage you cause in an at-fault accident, but it doesn’t cover your own car repairs or injuries. This cost-effective policy is usually a better fit for older, less valuable cars.

The cheapest insurer for liability-only car insurance in Killeen is State Farm, with an average cost of $51 per month. The table below shows the insurance companies with the cheapest liability-only car insurance policies in Killeen.

Cheapest full-coverage car insurance in Killeen: State Farm

Liability-only car insurance covers damages to others after accidents you’re responsible for, excluding your own vehicle. Full-coverage car insurance, on the other hand, includes liability coverage but also protects your car from theft, damage, and natural disasters. Full coverage suits drivers with newer, more expensive cars, as it can cover various situations.

Drivers in Killeen pay an average of $199 per month for full-coverage car insurance, and the following table shows which insurance companies offer the cheapest average quotes.

Car insurance requirements in Texas

Liability car insurance is a legal requirement in most states, including Texas. As an at-fault state, Texas requires drivers to maintain a specific level of liability insurance that covers damage and medical expenses for other drivers in accidents they’re responsible for. Texas liability policies also include personal injury protection, but drivers can waive this coverage in writing.

These are the minimum coverage limits drivers need to meet in Texas:3

Although the minimum coverages listed above are mandatory, you can expand your auto insurance policy with the following options:

Cheapest car insurance for drivers with an incident

When it comes to finding budget-friendly car insurance for drivers with incidents like at-fault accidents, speeding tickets, driving under the influence (DUI) events, and other moving violations, it’s crucial to understand why they lead to rate hikes. Auto insurance companies see these drivers as riskier and more prone to accidents, prompting increased rates to offset potential claims.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Auto insurance rates often get more expensive after a speeding ticket because insurance companies view it as a sign of increased risk. Speeding indicates a disregard for traffic laws and a higher likelihood of accidents. To mitigate this added risk, car insurance companies adjust your rates, resulting in higher premiums. Accumulating multiple tickets or more severe violations can lead to even more substantial rate hikes.

The average cost of car insurance for Killeen drivers with a speeding ticket is $184 per month. The table below highlights which auto insurers have the cheapest quotes, on average, for people with speeding tickets on their driving record.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Car insurance rates often increase after at-fault accidents because they reflect an increased likelihood of future claims. When you’re the cause of an accident, insurance companies consider you a riskier driver. To compensate for this added risk, they adjust your premiums. More severe accidents with extensive damage or injuries can result in more substantial rate increases. Safe driving habits and accident prevention can help you keep your insurance costs in check.

In Killeen, drivers with an at-fault accident pay an average of $197 per month for car insurance. To find the most affordable policy when you have an accident on your driving record, consider these auto insurance companies.

Cheapest car insurance for drivers with a DUI: State Farm

DUIs can lead to substantial car insurance rate increases due to the elevated risk they pose. A DUI conviction suggests impaired driving judgment, making you a greater liability to insurance companies. As a result, they adjust your premiums to compensate for the potential costs of future claims.

Drivers with a DUI in Killeen pay an average of $248 per month for car insurance. The following table shows the auto insurers with the cheapest average quotes for drivers with DUIs.

Cheapest car insurance for seniors: State Farm

While inexperienced teen drivers tend to spend the most on car insurance, rates typically decrease around the year they turn 35 as drivers accumulate experience and maintain safe records. However, around age 70, rates start to rise due to factors like slower reaction times and increased susceptibility to accidents.4 Insurance companies perceive older drivers as higher risk, leading to a gradual increase in premiums.

Seniors in Killeen pay an average of $131 per month for car insurance. You can use this table to help identify which car insurance companies in Killeen offer the lowest average insurance quotes.

Cheapest car insurance for teens: State Farm

Auto insurance rates for teenagers are notably higher than those for adults, primarily because of their limited driving experience and the heightened risk associated with young drivers. In Killeen, teen drivers pay an average of $302 per month for car insurance.

To find cost-effective car insurance as a teenager, consider staying on your parents’ insurance policy, benefiting from their established driving history. Another money-saving tip is to maintain good grades, which can qualify you for a good student discount from insurers, helping to offset the higher costs associated with teenage drivers.

Teen drivers can use this table to find the car insurance companies in Killeen that offer the lowest average quotes for drivers in their age group.

Killeen car insurance quotes by credit tier

Car insurance companies in Texas can consider your credit history when calculating insurance premiums.5 Maintaining excellent or good credit can lead to lower auto insurance costs. Drivers with poor credit usually have more expensive rates.

Here are average car insurance quotes in Killeen based on credit tier:

Is car insurance more expensive in Killeen?

The national average cost of car insurance is $182 for full coverage and $103 for liability-only coverage. However, residents of Killeen should anticipate slightly higher expenses. On average, Killeen drivers pay $199 per month for full coverage and $109 for liability-only coverage.

The specific city and ZIP code you live in can influence your car insurance costs significantly, as insurers consider factors such as local weather conditions, crime rates, and traffic patterns.1

More cities in Texas

Here’s how Killeen’s average car insurance costs compare to average rates in other Texas cities.

Killeen car insurance FAQs