Killeen, TX Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Killeen.
How much does car insurance cost in Killeen?
The average cost of auto insurance in Killeen is $631 per six months. That's less than the average across Texas ($707) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Killeen. Read on to learn more!
| Car insurance in Killeen vs. Texas | Average 6 Mo. Premium |
|---|---|
| Killeen average | $631 |
| Texas average | $707 |
The Zebra's key takeaways about car insurance in Killeen:
- The average cost of a car insurance policy in Killeen is $631 per six-month policy — $105 per month.
- The cheapest company in Killeen is GEICO ($528).
- 37% of Zebra customers in Killeen stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Killeen car insurance rates by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Killeen, GEICO offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Killeen. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $528 |
| USAA | $561 |
| State Farm | $571 |
| Allstate | $1,040 |
| GEICO | $528 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Killeen.
Killeen auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 37% of Killeen drivers. The best age for car insurance rates as a driver in Killeen is your 50s: drivers in this age group pay an average of $545 per six-month. Rates for Killeen drivers in their 60s are also relatively affordable, at just $562 per six-month.
Teenage drivers aged 16 to 19 pay the most for car insurance in Killeen. One of the most effective ways to lower your car insurance rates as a driver in Killeen is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Killeen is $1,544, the largest such difference between any two age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teens | $1,593 |
| 20s | $820 |
| 30s | $621 |
| 40s | $604 |
| 50s | $545 |
| 60s | $562 |
| 70s | $687 |
Killeen car insurance rates by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than drivers with less-than-stellar credit histories. Killeen drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 60% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Killeen, improving your credit to "Fair" could help you earn a $531 decrease in six-month insurance premiums. Our data tells us 42% of drivers in Killeen have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,313 |
| Fair | $782 |
| Good | $631 |
| Very Good | $586 |
| Exceptional | $523 |
Killeen car insurance costs by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Killeen drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $671 per year versus the city average. A ticket for speeding results in a $105 rate hike while a DWI or DUI violation costs $687per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $974 |
| Reckless Driving | $966 |
| At-fault Accident (damages less than $1,000) | $794 |
| At-fault Accident (damages greater than $2,000) | $949 |
| Speeding Ticket (16-20 mph over speed limit) | $684 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.