Killeen Car Insurance

The Zebra
May 30, 2018

Car Insurance in Killeen

On average, Killeen premiums fall below Texas' average by $241, so in Killeen, it is especially important to cut costs while insuring a vehicle. Let’s get started on how to save on car insurance in Killeen.

  • City Average: $1,569
  • State Average: $1,810
  • National Average: $1,427

Killeen Car Insurance by Accident or Violation History

Accidents and violations on your driving record can cost you in terms of premiums. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Expect your yearly car insurance premiums to rise by $763 if you are found at-fault in an accident in Killeen. Usually, a DUI in Killeen will cost you 41% more in car insurance premiums versus the city average of $1,569. Reckless driving will bump your premiums up as well, with typical rates of $2,158. That is 38% higher than the city average.

  • DUI: $2,207
  • Reckless Driving: $2,158
  • At-fault Accident (damages less than $1000): $2,332
  • At-fault Accident (damages greater than $2000): $2,332
  • Speeding Ticket (16-20 mph over speed limit): $1,631

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Killeen Car Insurance by Credit Rating

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $1,432 more a year. Drivers will see the biggest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $320 per year.

  • Very Poor: $2,733
  • Fair: $2,315
  • Good: $1,922
  • Very Good: $1,621
  • Exceptional: $1,301

Killeen Car Insurance by Gender and Marital Status

Both gender and marital status are among the numerous driver attributes that play a part in car insurance premiums in Killeen. Typically, females have premiums that are a mere 1% cheaper than those for males. Believe it or not, marital status has a substantial impact on premiums. Individuals who are single spend an average of 11% more per year on car insurance compared to those who are married. Rates for those who are widowed are also much cheaper than rates for those who are single.

  • Female: $1,549
  • Male: $1,569
  • Single: $1,569
  • Married: $1,410
  • Divorced: $1,569
  • Widowed: $1,418

Killeen Car Insurance by Age

Teenage drivers have the biggest premiums amongst all the age groups. They pay around $4,998 on car insurance premiums. At $1,330, drivers in their 50s have the lowest payments among any age group. People in their 60s ($1,386) aren’t paying much more. In Killeen, when drivers reach their 20s, therefore moving out of the teenage age range, they can save $3,093, the largest difference between any age group. Turning 60 causes a rise in insurance rates, but up until that point drivers can expect premium reductions when they move from one age group to the next.

  • Teenagers: $4,998
  • 20s: $1,904
  • 30s: $1,545
  • 40s: $1,495
  • 50s: $1,330
  • 60s: $1,386
  • 70s: $1,715

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