Car insurance rates are cheaper than average in Abilene. If you're paying too much for your insurance policy, check out our guide and learn how to save.
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.
|Abilene Average (annual)||Texas Average||United States Average|
One of the best ways to save on auto insurance coverage is to compare rates from multiple companies and to choose the company that best fits your insurance 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 auto insurance quotes to find a rate to match your driving profile.
Abilene drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,112 per year, on average. Rates for Abilene drivers in their 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.
|Age group||Average Yearly Rate|
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.
|Gender/Marital Status||Average Yearly Rate|
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.
|Incident/Violation||Average Annual Rate|
|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|
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.
|Credit Level||Average Rate (annual)|