Killeen, TX Car Insurance

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What's the average cost of car insurance in Killeen?

 

The average cost of auto insurance in Killeen is $1,263 per year. That's less than the average across Texas ($1,415) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Killeen.

 
KILLEEN CAR INSURANCE RATES
Killeen Average (annual)Texas AverageNational Average
$1,263$1,415$1,548
 
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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.

 
KILLEEN AUTO INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
GEICO$1,056
USAA$1,122
State Farm$1,143
Allstate$2,080
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Killeen auto insurance premiums by age

The best age for car insurance rates as a driver in Killeen is your age_50s: drivers in this age group pay an average of $1,090per year. Rates for Killeen drivers in their age_60s are also relatively affordable, at just $1,124 per year.

Young 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.

 
CAR INSURANCE RATES BY AGE TIER IN KILLEEN
Age groupAverage Yearly Rate
Teens$3,186
20s$1,641
30s$1,242
40s$1,208
50s$1,090
60s$1,124
70s$1,374
 

Learn more about how age influences auto insurance rates.

 
 

 

Killeen car insurance rates by gender and marital status

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Killeen, married motorists pay $92 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 Killeen, widowed drivers pay less than those who are single.

Gender is another factor that can affect car insurance rates. In Killeen, the gap in average auto insurance premiums between genders is $15 per year, with male drivers paying more than female drivers.

 
INSURANCE RATES IN KILLEEN BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,248
Male$1,263
Single$1,171
Married$1,171
Divorced$1,263
Widowed$1,146
 

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

 
 

 

Killeen auto insurance costs by accident and violation history

 

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.

 
AVERAGE KILLEEN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Annual Rate
DUI/DWI$1,949
Reckless Driving$1,933
At-fault Accident (damages less than $1,000)$1,588
At-fault Accident (damages greater than $2,000)$1,899
Speeding Ticket (16-20 mph over speed limit)$1,368
 

Learn more about the impact of driving violations on car insurance rates.

 
 

 

Killeen auto insurance premiums 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 do drivers with less-than-stellar credit histories. In fact, 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 $1,062 decrease in yearly insurance premiums.

 
KILLEEN AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate (annual)
Very Poor$2,626
Fair$1,565
Good$1,263
Very Good$1,173
Exceptional$1,046
 

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

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.