Abilene, TX Car Insurance

The average full coverage car insurance cost in Abilene is $119 per month. Rates can vary from as low as $111 to as high as $382, depending on factors like policy, vehicle type, and driver's details. To give drivers a better understanding of what they might pay, the table below includes average car insurance costs in Abilene for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Abilene, the average cost for full coverage car insurance is $1,423 per year, while state minimum coverage is $606 annually. These rates are lower than the Texas averages, where full coverage is $1,695 and state minimum coverage is $810 annually. Residents can enjoy more affordable insurance options here.

Premiums might be rising across Texas, but affordable car insurance is still available in Abilene. Texas Farm Bureau offers the cheapest minimum coverage at $26 per month. For full coverage, Texas Farm Bureau also provides the best rate at $60 monthly.

Texas Farm Bureau often offers the cheapest car insurance, but costs vary for each driver. The best way to find affordable rates is by getting quotes from different companies. Below is a table with the cheapest car insurance rates for various driver profiles.

To save on car insurance in Abilene, compare rates from different companies. We make it simple to see who offers affordable minimum coverage and full coverage plans. Check out the sections below for a breakdown of costs.

Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $26 per month. Mercury follows closely with a rate of $28. Check out the table below for a breakdown of these affordable options.

Texas Farm Bureau offers the cheapest full coverage car insurance in Abilene at $60 per month. Below is the full list of insurance providers and their rates.

To find affordable car insurance in Abilene, get quotes from multiple providers. Texas Farm Bureau offers the cheapest rate at $516 annually. Chubb, with a MoneyGeek score of 90, is the best-rated option. Check the table below for more choices.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Abilene, with monthly savings of $92 compared to the state average. The table below highlights other affordable providers for teen drivers in the city.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Texas Farm Bureau offers the best minimum coverage for young drivers at $33 per month, and the most affordable full coverage at $73 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Texas Farm Bureau offers the most affordable auto insurance for young drivers at $53 per month. For more options, State Farm is $62 per month. The table below shows other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Texas Farm Bureau and State Farm offer the most affordable car insurance rates in town, but costs change based on factors like driving history and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

Texas Farm Bureau offers the cheapest monthly premium for seniors at $36 for both minimum and full coverage. State Farm follows closely with a rate of $44 per month. Below, you'll find a table listing top car insurance providers for seniors in Abilene.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Abilene, high-risk driver profiles often face different insurance costs compared to the state average. For minimum coverage, Abilene drivers pay $883 annually, while the state average is $1,998. Full coverage in Abilene costs $1,999, compared to the state's $3,982. Drivers with bad credit and DUIs generally pay the most, while accidents and speeding tickets have a smaller impact on insurance rates.

Mercury provides the cheapest minimum coverage for drivers with a DUI at $469 per year in Abilene. Meanwhile, Texas Farm Bureau offers the cheapest full coverage policy at $1,361 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

State Farm, Texas Farm Bureau, and AAA Texas are the three cheapest car insurance providers for drivers with an at-fault accident in Abilene. The table below shows different providers in Abilene offering affordable car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $26 and full coverage at $60 monthly. Check the table below to see how other providers compare for drivers with a speeding ticket.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Drivers with bad credit can find the most affordable rates for drivers with bad credit in Abilene with Mercury at $40 for minimum coverage and Texas Farm Bureau at $133 for full coverage. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Texas, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $30,000 for bodily injury liability per person
• $60,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

Uninsured/Underinsured and PIP coverages are not required. For example, if you're in an accident causing $25,000 in property damage, your minimum coverage would handle the costs, protecting you from paying out-of-pocket.

Texas Farm Bureau offers the cheapest car insurance in Abilene, with minimum coverage at $26 and full coverage at $60. No matter your age or credit, you'll find providers with deals that fit your pocket. Make sure your policy includes Texas's required coverage: bodily injury liability, property damage liability, and personal injury protection. Compare and save, ensuring you're protected by law without overspending.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in Abilene.

MoneyGeek conducted an analysis of Abilene auto insurance prices using data from the Texas Department of Insurance and Quadrant Information Services.

Abilene Driver Profile

To assess the best and most affordable auto insurance options for Abilene residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Abilene

In assessing the car insurance quotes for Abilene, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:

The minimum coverage requirements in Texas are:

• $30,000 for bodily injury liability per person
• $60,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Abilene
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Abilene. For more on our methodology, see MoneyGeek's methodology.