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How much is car insurance in Abilene?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Abilene is about $13 a month cheaper.
Compared to the national average cost of auto insurance coverage, Abilene has lower rates. On average, it's about $28 less to insure your vehicle in Abilene than it is in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for Abilene residents, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Abilene residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Abilene Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Abilene may see their rates rise again once they hit retirement.
Abilene Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Abilene, although women do pay slightly less on their monthly auto coverage, the price is about the same for either group.
Abilene Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Abilene with a single accident on their record will usually see rates around $74 a month. Similarly, drivers with one ticket will typically pay around $69 on average.
Abilene Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$48|
The most affordable vehicles to insure in Abilene are typically SUVs, trucks, and vans, which run about $48 per month.
The rate for car owners, on the other hand, is closer to $55 a month.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. In Abilene, the most expensive vehicles to insure are vehicles six-to-seven years old.
Abilene Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Abilene, with married couples paying about $11 less per month.
Abilene Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than those who own their own home in Abilene. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Abilene, TX
Recent trends in car insurance for Abilene drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Abilene, car insurance rates dropped from 2017-2020, before leveling out in 2021. Rates finished down in 2022, at $47 per month
How does Abilene compare to neighboring areas?
Why are car insurance rates in Abilene different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area laws
- Number of drivers
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Crime levels
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Abilene?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Abilene in no time.
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Abilene Auto Insurance FAQs
What factors affect car insurance quotes in Abilene?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Abilene different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Abilene?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Abilene?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Abilene or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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