Table of contents
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.
Likewise, the expected monthly payments for an auto insurance policy in Abilene are below the national average. It's about $29 cheaper than the national average to insure your vehicle in Abilene.
While these are the average monthly costs for auto insurance coverage in Abilene, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Abilene so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may creep back up in Abilene.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Abilene, the difference is around $4 per month. Based on the chart above, you can see that female drivers pay around $50 on average, while male drivers typically pay $54 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Abilene, having a single accident on your record will usually get you rates around $75 a month. In addition, drivers with one ticket can expect to pay around $73 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$49|
If you look at the first table above, you'll see that SUVs, trucks, and vans are typically the cheapest vehicles to insure in Abilene, with drivers paying around $48 per month for insurance coverage.
The bill for car owners, however, is about $55 per month.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Abilene, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Abilene as well, where the difference is around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
One other element taken into consideration is your living accommodations. Those who own their own home in Abilene can expect to pay around $9 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Abilene, TX
Recent trends in car insurance for Abilene drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Abilene, auto insurance rates dropped from 2017-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $40 a month
How does Abilene compare to neighboring areas?
Why are car insurance rates in Abilene different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Availability of off-street parking
- Rate of crime
- Amount of drivers in the region
- General road safety (how many accidents each locality has)
- Area regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
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 does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Abilene.
Abilene Insurance FAQs
What factors affect car insurance quotes in Abilene?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Abilene different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Abilene?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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.