Cheapest and Best Car Insurance in Killeen, TX (August 2024)

Finding the most affordable car insurance in Killeen hinges on coverage and driver specifics. For full coverage, Texas Farm Bureau emerges as the least expensive, while Nationwide offers the lowest rates for families with teens. Texas Farm Bureau is also the cheapest for minimum coverage. For customer service, Chubb tops the chart; it also wins as the best overall, presenting the best amalgamation of price and service. The ideal choice varies with individual preferences and coverage requirements.

MoneyGeek found that Texas Farm Bureau offers the cheapest car insurance in Killeen for minimum coverage policies. Identifying affordable options is crucial for budget-conscious drivers, and here are the two most economical choices:

• Texas Farm Bureau: $315 per year
• State Farm: $362 per year

On the high end, Dairyland has the priciest minimum coverage policy at $1,919 annually. This stark contrast underscores the significance of comparing rates — a savvy shopper could save as much as $1,604 by choosing Texas Farm Bureau over Dairyland.

Across the varied landscape of Texas cities, including Killeen, the spectrum of car insurance requirements is uniform, as per state law. Here is what you need to know about minimum coverages:

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

These figures exemplify the least that your insurance policy will contribute. To illustrate, if you are responsible for an accident, your coverage will handle up to $30,000 for an individual's injuries and up to $60,000 total for all injuries in the accident. Should expenses surpass these limits, the responsibility to cover the remaining costs falls to you.

MoneyGeek found that Texas Farm Bureau offers the cheapest full coverage car insurance in Killeen, ensuring you're getting the best value for your vehicle protection. For those seeking the cheapest full coverage car insurance, here are the top choices:

• Texas Farm Bureau: $744 per year
• State Farm: $853 per year

Dairyland holds the title for the most expensive full coverage policy in Killeen at $3,863 annually. This whopping difference of $3,119 between the highest and the lowest demonstrates why it's vital to compare prices. Full coverage policies cost more due to the comprehensive and collision insurance included.

The MoneyGeek sample Killeen full coverage insurance plan enhances the liability coverage limits beyond the minimum requirement to $100,000 for bodily injury per individual, $300,000 for bodily injury per incident, and $100,000 for property damage per incident. Commonly referred to as a 100/300/100 policy, this level of coverage offers a greater safety net in the event of an accident.

A full coverage policy incorporates additional protections beyond elevated liability limits:

• Collision Insurance: This insurance offers financial protection for damage to your own vehicle resulting from a crash, whether it's with another vehicle or an immobile object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This component protects against damages to your vehicle from non-collision events, such as theft, vandalism or natural disasters and being struck by an animal like a deer.

Certainly, opting for full coverage insurance is prudent for new vehicles, providing a shield for your substantial investment. Conversely, for older models, the higher cost of extensive protection may surpass its benefits. Deciding how much car insurance you need necessitates weighing the pros and cons.

MoneyGeek found that for drivers in Killeen with a less-than-perfect driving record, the most affordable car insurance varies depending on the specific type of infraction. By comparing the annual premiums, the cheapest company for drivers with a poor driving record for each individual offense are:

• Speeding Ticket: Texas Farm Bureau ($744 per year)
• At-fault accident: State Farm ($1,054 per year)
• DUI: Progressive ($1,340 per year)

Among these, Dairyland typically has the highest rates for these incidents, with an annual premium difference of $3,657 between the cheapest rate after a speeding ticket from Texas Farm Bureau and the cheapest rate after a DUI from Progressive. This demonstrates how substantially the severity and type of driving offense can affect insurance premiums.

In Killeen, insurance rates typically escalate with the severity of a driving violation to account for increased risk. For instance, drivers with a speeding ticket pay an average annual rate of $2,503, whereas those with a DUI offense face a steeper rate of $3,051. This stark contrast highlights the necessity for drivers with infractions to diligently compare insurance rates.

MoneyGeek found that Nationwide offers the cheapest option in Killeen for the parents of teen drivers. Discover the cheapest car insurance for teens and how you can save on your family's plan.

• Nationwide: $1,344 per year for female teens and $1,532 per year for male teens
• State Farm: $1,560 per year for female teens and $1,887 per year for male teens

These rates reflect the annual cost to cover a family with two parents and a teenager. Among the companies compared, Allstate has the most expensive policy in Killeen, with premiums of $5,468 annually for female teens.

Insurers attribute the soaring rates for individual teen policies to the increased risk teens pose due to their inexperience behind the wheel. High-risk profiles make individual policies less accessible to teens, often necessitating their inclusion in a more economical and supportive joint family plan. Such a large discrepancy underscores the importance for families to consider shared insurance plans to mitigate the hefty financial impact.

MoneyGeek found that Texas Farm Bureau offers the cheapest car insurance for military backgrounds in Killeen.

• Texas Farm Bureau: $744 per year
• State Farm: $853 per year

Although USAA is not the cheapest in this dataset with an annual premium of $908, it ranks third in affordability. More importantly, USAA's services are specifically tailored to cater to the needs of active duty military members.

You can use MoneyGeek's car insurance calculator to get quotes. Simply input critical details such as age, driving history, credit score and desired coverage, and promptly receive a tailored rate estimate, thereby optimizing your time and savings on car insurance.

Choosing the right auto insurance for you hinges on weighing the importance of service, cost, coverage, and other factors. MoneyGeek's tailored research system ranks the top car insurance providers in Killeen based on these different desires:

• Best overall: Chubb (MoneyGeek score 92 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 90 out of 100)

Chubb stands out as the best in Killeen for overall value, exemplary service, and affordability. With top marks across the board, customers can trust Chubb for a balanced approach to their car insurance needs. This makes it an ideal choice for drivers who prioritize a harmonious blend of cost-efficiency and solid customer service.

MoneyGeek found that Chubb is the best option in Killeen for those looking for the best car insurance.

• Chubb: MoneyGeek score of 92 out of 100 ($1,433 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($853 per year)

Chubb stands out in Killeen with the highest MoneyGeek score, indicating exceptional customer satisfaction and strength in claims handling. These are the biggest factors contributing to its top placement, underscoring the company's commitment to a comprehensive full coverage policy.

MoneyGeek found that Chubb is the best option in Killeen for car insurance focused on customer service. This recognition is strictly based on the highest levels of general satisfaction, proficient claims handling and robust coverages offered, without considering premium rates.

• Chubb: MoneyGeek score of 92 out of 100 ($1,433 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,283 per year)

Chubb has the highest claims score, which greatly influences the overall MoneyGeek score. Its comprehensive coverage options also contribute notably to its industry-leading position.

MoneyGeek found that Chubb is the best option in Killeen for drivers seeking a harmonious blend of affordability and reliable service in car insurance. With a dedicated focus on cost-effective policies, Chubb manages to uphold excellent standards in both claims handling and customer satisfaction.

• Chubb: MoneyGeek score of 90 out of 100 ($669 per year)
• Mercury: MoneyGeek score of 78 out of 100 ($393 per year)

Chubb distinguishes itself not only with the highest MoneyGeek score but also with an impressive balance between premium affordability and comprehensive coverage. The score signifies that Chubb excels in claims satisfaction and financial stability, providing peace of mind to policyholders. It's important to note that these accolades are based on the provision of a minimum coverage policy. Chubb offers a commendable option for Killeen residents, marrying budget-friendliness with dependable insurance service.

In Killeen, the average car insurance cost is cited at $1,551, according to data compiled by MoneyGeek.com. This rate is lower by $231 compared to the Texas state average of $1,782. Texas itself stands marginally higher by $1 than the national average car insurance cost of $1,781.

Car insurance premiums hinge on a multitude of variables, including but not limited to the driver's personal profile, vehicle type, and driving history. Location, nonetheless, plays a notable role in determining insurance costs. Factors such as local traffic conditions, accident rates and auto theft statistics directly affect premium rates.

For instance, Wichita Falls, classified as the cheapest city in Texas for car insurance, has a premium of $965, which is $236 lower than the state average. On the contrary, Houston ranks as the most expensive city, with a premium of $1,436, outstripping the state average by $235. It is evident that in less densely populated non-city areas, where traffic density is reduced, the rates for car insurance might be even more budget-friendly.