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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Killeen?

The average cost of auto insurance in Killeen is $631 per six months. That's less than the average across Texas ($707) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay based on age, credit score, and other factors in Killeen. Read on to learn more!

Car insurance in Killeen vs. Texas Average 6 Mo. Premium
Killeen average $631
Texas average $707

The Zebra's key takeaways about car insurance in Killeen:

  • The average cost of a car insurance policy in Killeen is $631 per six-month policy — $105 per month.
  • The cheapest company in Killeen is GEICO ($528).
  • 37% of Zebra customers in Killeen stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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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.

Cheapest car insurance companies in Killeen, TX
Company Avg. 6 Mo. Premium
GEICO $528
USAA $561
State Farm $571
Allstate $1,040
GEICO $528

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Killeen.

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Killeen auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 37% of Killeen drivers. The best age for car insurance rates as a driver in Killeen is your 50s: drivers in this age group pay an average of $545 per six-month. Rates for Killeen drivers in their 60s are also relatively affordable, at just $562 per six-month.

Teenage 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.

Killeen auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teens $1,593
20s $820
30s $621
40s $604
50s $545
60s $562
70s $687

Killeen car insurance rates 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 drivers with less-than-stellar credit histories. 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 $531 decrease in six-month insurance premiums. Our data tells us 42% of drivers in Killeen have a credit score of average (580-679). 

credit score
Killeen auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,313
Fair $782
Good $631
Very Good $586
Exceptional $523

Killeen car insurance costs by violation

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.

Killeen auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $974
Reckless Driving $966
At-fault Accident (damages less than $1,000) $794
At-fault Accident (damages greater than $2,000) $949
Speeding Ticket (16-20 mph over speed limit) $684

Compare over 100 insurance companies at once!

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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 editorial 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.