Abilene Car Insurance

What is the average cost of car insurance in Abilene?


The typical Abilene driver pays $1,294 per year for car insurance. That's less expensive than the average in Texas ($1,415) and less expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Abilene.


CAR INSURANCE: ABILENE RATES VS. STATE + NATIONAL AVERAGES
Abilene Average (annual)Texas AverageUnited States Average
$1,294$1,415$1,548

Skip to:

Compare rates now:

Location pin icon
No spam. We take your privacy seriously.


Abilene car insurance rates by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, USAA provides Abilene's cheapest rates. We've listed the best cheap car insurance companies in Abilene below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


ABILENE CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
USAA$1,060
State Farm$1,111
GEICO$1,132
Allstate$2,274

Check out our guide to learn how to find the best cheap car insurance.



Abilene car insurance premiums by age

Abilene drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,112per year, on average. Rates for Abilene drivers in their age_60s are also relatively affordable, at just $1,140 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Abilene. When Abilene drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Abilene is $1,521, the largest such difference between any two age groups.


ABILENE CAR INSURANCE RATES BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$3,205
20s$1,683
30s$1,274
40s$1,240
50s$1,112
60s$1,140
70s$1,376

Learn more about the impact of age on car insurance premiums.



Abilene car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Abilene pay $95 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Abilene, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Abilene, the gap in car insurance rates between genders is $22 per year, with male drivers paying more than female drivers.


INSURANCE RATES IN ABILENE BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,272
Male$1,294
Single$1,199
Married$1,199
Divorced$1,294
Widowed$1,173

Learn more about how gender and marital status have on insurance rates.



Abilene auto insurance premiums by incident history


Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Abilene drivers found guilty of reckless driving face insurance rate increases of $659 per year, compared to the citywide average. A DUI violation may lead to a $676 increase, while a citation for speeding leads to a $107 rate hike.


ABILENE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$1,970
Reckless Driving$1,953
At-fault Accident (damages less than $1,000)$1,621
At-fault Accident (damages > $2,000)$1,924
Speeding Ticket (16-20 mph over speed limit)$1,402

Learn more about citations' impact on your auto insurance rates.



Abilene car insurance costs by credit score


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Abilene drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 60% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Abilene, improving your credit to "Fair" could help you earn a $1,083 decrease in annual car insurance rates.


ABILENE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$2,694
Fair$1,611
Good$1,294
Very Good$1,204
Exceptional$1,075

Learn more about the relationship between poor credit and car insurance.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.