Abilene, TX Car Insurance

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.

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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
 
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Abilene car insurance rates by company

 

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

 

Abilene car insurance premiums by driver age

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.

 
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 impacts auto insurance rates.

 

 

Abilene auto insurance premiums by driving 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

 

Compare rates side-by-side and get personalized car insurance quotes.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.