Table of contents
How much is car insurance in Abilene?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Abilene typically costs about $12 a month less than it does in the rest of Texas.
Compared to the rest of the country, auto insurance in Abilene is more affordable. Auto insurance coverage in Abilene is about $28 cheaper than it is for the rest of the United States.
While these numbers are the average rates for auto insurance in Abilene, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
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 your policy's monthly premium. 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 speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Abilene may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Abilene, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in Abilene with a single accident on their record will usually see rates around $78 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $100.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$49|
As you can see in the first table above, the cheapest vehicles to insure in Abilene are usually SUVs, which run about $47 per month.
Car owners can expect to pay an average of around $54 a month for their policy, while truck and van drivers are usually around $50 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Abilene, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Abilene can be as much as $11 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor taken into consideration is your living accommodations. Homeowners in Abilene can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
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.
Car insurance rates in Abilene increased from 2016-2017, when they hit a high of $59. This changed in 2018, when rates started to decrease. They reached a low of $39 in 2020, and finished up in 2021, at $46 per month.
How does Abilene compare to neighboring areas?
Why are car insurance rates in Abilene different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Amount of drivers in the area
- Crime rates
- Road Safety (frequency of car accidents)
- Amount of off-street parking
- Area regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Abilene?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Abilene.
Abilene Insurance FAQs
What factors affect car insurance quotes in Abilene?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Abilene different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Abilene?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Abilene?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Abilene or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?