Killeen's average full coverage car insurance costs $124 per month. Rates range from $118 to $383, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Killeen, TX, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Killeen: Key Takeaways
Killeen's cheapest car insurance companies include Texas Farm Bureau, State Farm and Progressive.
Texas Farm Bureau is the most affordable car insurance provider, with rates starting at $26 per month for minimum coverage and $62 for full coverage.
On average, car insurance costs $58 per month for minimum coverage and $124 for full coverage.
Car Insurance Quotes in Killeen, TX
| Young Drivers | $77 | $161 |
| Teens | No Data | $383 |
| Seniors | $59 | $118 |
| Drivers With an Accident | $97 | $198 |
| Drivers With a Speeding Ticket | $70 | $148 |
| Drivers With a DUI | $88 | $177 |
| Bad Credit | $101 | $220 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Killeen vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Killeen, TX
City Average Full Coverage Rate
$1,484Killeen Car Insurance is Cheap:$211 saved
This is 12% less expensive.
What Is the Average Car Insurance Rate in Killeen?
In Killeen, full coverage car insurance costs about $1,484 per year, while minimum coverage averages $701. These rates are lower than Texas' averages of $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| Killeen Average | $701 | $1,484 |
Cheapest Car Insurance Companies in Killeen
Even though premiums rise in Texas, affordable car insurance is still available in Killeen. Texas Farm Bureau offers the cheapest minimum coverage at $26 per month and full coverage at $62.
WHY CAR INSURANCE IN KILLEEN IS CHEAPER
Car insurance in Killeen is often more affordable due to its moderate traffic, lower population density and relatively low crime rates, including vehicle theft. The city’s living and repair expenses are also lower than larger urban areas, which helps reduce premiums. Also, its demographics, including a large military population, may qualify many residents for discounts, further lowering costs.
Cheap Car Insurance in Killeen
Texas Farm Bureau is often the cheapest car insurance provider, but rates vary by driver. The best way to find affordable car insurance is to compare quotes from different companies. Below is a table with the lowest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $26 |
| Texas Farm Bureau | Full Coverage | $62 |
| State Farm | Teens | $176 |
| Texas Farm Bureau | Young Adults | $54 |
| Texas Farm Bureau | Seniors | $37 |
| Texas Farm Bureau | Bad Credit | $97 |
| Progressive | Drivers With a DUI | $80 |
| State Farm | Drivers With an Accident | $63 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $44 |
Car Insurance Rates in Killeen by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Killeen.
Cheapest Car Insurance Companies for Minimum Coverage in Killeen
Texas Farm Bureau offers the cheapest minimum coverage auto insurance in Killeen at $26 per month, followed by State Farm at $30. The table below breaks down the most affordable options.
| Texas Farm Bureau | $26 | $32 |
| State Farm | $30 | $28 |
| Mercury | $32 | $26 |
| AAA Texas | $45 | $14 |
| Progressive | $46 | $12 |
| GEICO | $52 | $6 |
| Allstate | $55 | $4 |
| National General | $57 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Killeen
Texas Farm Bureau offers the cheapest full coverage car insurance in Killeen at $62 per month. Below is the full list of providers and their rates.
| Texas Farm Bureau | $62 | $62 |
| State Farm | $71 | $52 |
| Progressive | $92 | $31 |
| AAA Texas | $96 | $28 |
| GEICO | $97 | $26 |
| Allstate | $113 | $11 |
| National General | $114 | $10 |
| Mercury | $116 | $8 |
Car Insurance Companies in Killeen
Texas Farm Bureau offers the cheapest car insurance in Killeen at $529 annually. Chubb is the best cheap provider, with a MoneyGeek score of 90 out of 100. Check the table below for more options.
| Chubb | 90 | $1,175 |
| Foremost | 76 | $1,367 |
| Mercury | 75 | $887 |
| State Farm | 75 | $611 |
| AAA Texas | 74 | $843 |
| Texas Farm Bureau | 73 | $529 |
| Progressive | 65 | $830 |
| Nationwide | 64 | $1,270 |
| GEICO | 64 | $897 |
| Allstate | 61 | $1,005 |
| National General | 51 | $1,024 |
| Dairyland | No Data | $2,673 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Killeen by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Killeen, averaging $1,484 per year for 40-year-olds and $1,417 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,980 | $-545 |
| 17 | $2,864 | $-429 |
| 18 | $2,504 | $-69 |
| 19 | $2,133 | $302 |
| 20 | $2,238 | $197 |
| 21 | $1,646 | $789 |
| 22 | $1,655 | $780 |
| 23 | $1,716 | $719 |
| 24 | $1,610 | $825 |
| 25 | $1,928 | $-87 |
| 40 | $1,484 | $357 |
| 65 | $1,417 | $423 |
Cheapest Car Insurance for Teens in Killeen
Nationwide offers the cheapest overall car insurance for teens in Killeen at $117 per month, saving $102 compared to the state average. The table below lists other affordable providers for this age group.
| Nationwide | $117 | $102 | $291 |
| State Farm | $132 | $86 | $176 |
| GEICO | $150 | $68 | $183 |
| Progressive | $254 | $-36 | $683 |
| Foremost | $264 | $-45 | $567 |
| Allstate | $393 | $-175 | $396 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Killeen
Texas Farm Bureau offers the lowest monthly rates for young drivers in Killeen: $33 for minimum coverage and $75 for full coverage. The table below highlights the cheapest options for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $33 |
| Texas Farm Bureau | Full Coverage | $75 |
| Texas Farm Bureau | Bad Credit | $120 |
| Progressive | Drivers With a DUI | $97 |
| State Farm | Drivers With an Accident | $79 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $54 |
Cheapest Car Insurance Companies for Young Drivers in Killeen
Texas Farm Bureau offers the most affordable auto insurance for young drivers in Killeen at $54 monthly. State Farm and GEICO also have low premiums. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $54 | $64 |
| State Farm | $65 | $54 |
| GEICO | $86 | $33 |
| Progressive | $88 | $31 |
| AAA Texas | $90 | $29 |
| Mercury | $101 | $18 |
| Allstate | $109 | $10 |
| National General | $110 | $9 |
*Rates are for 25-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Killeen
Texas Farm Bureau and State Farm offer Killeen's most affordable car insurance options for seniors. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $23 |
| Texas Farm Bureau | Full Coverage | $51 |
| Texas Farm Bureau | Bad Credit | $81 |
| Texas Farm Bureau | Drivers With a DUI | $73 |
| State Farm | Drivers With an Accident | $59 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $37 |
Cheapest Car Insurance for Seniors in Killeen
Texas Farm Bureau offers the cheapest monthly premium for seniors at roughly $37 for minimum and full coverage policies. State Farm follows at $46. The table below shows the top car insurance providers for seniors in Killeen.
| Texas Farm Bureau | $37 | $52 |
| State Farm | $46 | $42 |
| Progressive | $70 | $19 |
| AAA Texas | $70 | $18 |
| GEICO | $74 | $14 |
| Mercury | $77 | $12 |
| Allstate | $80 | $8 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Killeen
In Killeen, high-risk drivers pay less for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,190 | $2,417 |
| Killeen Average | $1,019 | $2,095 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, may affect your insurance for a few years. For serious offenses, such as a DUI, insurers take note for longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Killeen
Mercury offers the cheapest minimum coverage for drivers with a DUI at $540 per year. Progressive is the most affordable for full coverage at $1,321. Check the table below for more low-cost coverage options.
| Mercury | $45 | $154 |
| Progressive | $49 | $110 |
| Texas Farm Bureau | $58 | $116 |
| State Farm | $59 | $129 |
| AAA Texas | $70 | $142 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Killeen
State Farm, Texas Farm Bureau and AAA Texas offer the cheapest auto insurance after an at-fault accident in Killeen. The table below shows various providers offering affordable coverage.
| State Farm | $39 | $88 |
| Texas Farm Bureau | $45 | $102 |
| AAA Texas | $66 | $136 |
| Mercury | $67 | $228 |
| Progressive | $69 | $152 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Killeen
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Killeen, offering minimum coverage at $26 per month and full coverage at $62. The table below shows how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $26 | $62 |
| State Farm | $30 | $71 |
| Mercury | $46 | $164 |
| Progressive | $53 | $119 |
| Allstate | $55 | $113 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Killeen
Mercury offers the most affordable rates for drivers with bad credit in Killeen, with minimum coverage starting at $45 monthly. Texas Farm Bureau is the cheapest for full coverage at $139. See the table below for other low-cost options.
| Mercury | $45 | $174 |
| Texas Farm Bureau | $55 | $139 |
| AAA Texas | $69 | $148 |
| Progressive | $71 | $163 |
| Allstate | $81 | $171 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Killeen, TX
In Texas, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
If you're in a car accident in Texas, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Killeen: Bottom Line
Texas Farm Bureau offers the cheapest car insurance in Killeen, with minimum coverage at $26 and full coverage at $62 per month. Regardless of your age or credit, affordable options are available. Ensure your policy meets Texas requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Killeen Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Killeen.
What is the cheapest car insurance company in Killeen, TX?
The cheapest car insurance company in Killeen is Texas Farm Bureau, offering minimum coverage at $26 monthly.
What is the best car insurance company in Killeen, TX?
Chubb is the best car insurance provider in Killeen, Texas, with a MoneyGeek score of 90 out of 100. The average annual premium for minimum coverage is $1,175.
How much does car insurance cost on average in Killeen, TX?
The average monthly cost of minimum car insurance in Killeen ranges from $59 to $101.
Best Cheap Car Insurance in Killeen: Our Methodology
MoneyGeek analyzed Killeen auto insurance prices using the Texas Department of Insurance and Quadrant Information Services data.
Killeen Driver Profile
To assess the best and most affordable auto insurance options for Killeen 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 Killeen
In assessing the car insurance quotes for Killeen, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Texas' minimum coverage requirements:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in 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 used six sources:
- Quadrant Information Services provided actual policy quotes in Killeen
- 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 quotes from insurance companies in Killeen for the average driver of various ages who drives a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.