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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 Average (annual)||Texas Average||National Average|
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.
|Insurer||Average Rate (annual)|
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.
|Age group||Average Yearly Rate|
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.
|Marital Status/Gender||Average Yearly Rate|
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.
|Citation||Average Annual Rate|
|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|
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.
|Credit Score||Average Rate (annual)|
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.