Abilene Car Insurance

The Zebra
May 30, 2018

Car Insurance in Abilene

Abilene premiums are recognized for being inexpensive. They generally sit under Texas' average by $194. Let’s get started on how to save on car insurance in Abilene.

  • City Average: $1,616
  • State Average: $1,810
  • National Average: $1,427

Abilene Car Insurance by Age

Teenage drivers have the most expensive rates amongst all the age groups. They have car insurance payments that average $5,027 per year. When Abilene drivers hit their 20s, therefore moving out of the teenage age range, they pay 61% less in premiums, which is the most change you'll see between any age group. While insurance rates for drivers will continue to shrink through their 50s, they should expect to pay more when they turn 60. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,363. People in their 60s ($1,413) have premiums that aren't much higher.

  • Teenagers: $5,027
  • 20s: $1,958
  • 30s: $1,593
  • 40s: $1,543
  • 50s: $1,363
  • 60s: $1,413
  • 70s: $1,727

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Abilene Car Insurance by Gender and Marital Status

Both gender and marital status can play a part in your car insurance premiums in Abilene. Premiums for men and women tend to differ by 2%, with women paying less. Believe it or not, marital status has a substantial impact on premiums. You can save close to $170 per year if you're married as opposed to single. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.

  • Female: $1,588
  • Male: $1,616
  • Single: $1,616
  • Married: $1,450
  • Divorced: $1,616
  • Widowed: $1,459

Abilene Car Insurance by Accident or Violation History

A history of accidents and violations can cost you in terms of car insurance rates. $758 is, on average, the additional cost for car insurance in Abilene if you have an at-fault accident on your driving record. In Abilene, drivers with a DUI have rates that exceed the city average ($1,616) by $625. Reckless driving will also drive your premiums up, with typical rates of $2,193.

  • DUI: $2,241
  • Reckless Driving: $2,193
  • At-fault Accident (damages less than $1000): $2,374
  • At-fault Accident (damages greater than $2000): $2,374
  • Speeding Ticket (16-20 mph over speed limit): $1,678

Abilene Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,463 each year on car insurance. In terms of percent change, shifting from Very Good (740-799) to Exceptional (800-850) has the biggest positive effect on premiums, as it saves drivers approximately 19% per year.

  • Very Poor: $2,809
  • Fair: $2,379
  • Good: $1,980
  • Very Good: $1,669
  • Exceptional: $1,346