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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average monthly cost of car insurance in Killeen, Texas, is $147, while the national average rate is $138, according to Compare.com data. Severe weather patterns and higher-than-average vehicle theft rates contribute to Killeen’s more expensive auto insurance premiums.[1]
Although Killeen’s rates are higher than average, you can still find cheap car insurance if you know where to look. In the article below, we break down the best auto insurance companies in Killeen by driver profile and coverage type and give you tips to save more money.
State Farm is the cheapest car insurance company in Killeen.
Killeen drivers pay an average monthly cost of $108 for liability-only coverage and $186 for full coverage.
Texas drivers must have a minimum of 30/60/25 liability limits to legally drive.
Where you live — down to your Killeen ZIP code — is one of the main factors insurers use to determine auto insurance costs. When calculating your premium, insurance companies consider everything from traffic patterns to crime trends in an area.
The table below shows the average rate for various driving profiles and coverage types, according to Compare.com data.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Killeen drivers | $147 |
| State-minimum coverage | $108 |
| Full coverage | $186 |
| Teens | $290 |
| Seniors | $124 |
| Clean driving record | $147 |
| Recent ticket | $176 |
| Recent at-fault accident | $188 |
| DUI conviction | $187 |
| Poor credit | $184 |
The overall average monthly cost of car insurance in Killeen is $147. Drivers with blemishes on their driving record pay more. For example, a speeding ticket increases the average rate to $176, while the average rate after an at-fault accident is $188.
Keep in mind these are broad averages to give you an idea of what you could pay. Your personal premium can vary depending on your driving record and coverage needs.
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Like almost all U.S. states, driving in Texas without car insurance is illegal. The Texas Department of Insurance (TDI) requires Killeen drivers to have liability insurance with limits of at least:[2]
$30,000 for bodily injury liability per person
$60,000 for bodily injury per accident
$25,000 for property damage liability per accident
Even though it’s illegal, about 20% of Texas drivers don’t have insurance, according to the Texas Department of Motor Vehicles (DMV).[3] That’s why it’s a good idea to consider uninsured motorist coverage. It’s optional coverage you can include in your auto policy to cover your damages when the at-fault driver doesn’t have insurance.
The TDI and most insurance experts recommend buying liability limits that match or exceed your net worth. Higher limits can protect you financially if you cause an accident with severe injuries or extensive property damage.
If you lease or finance your car, you’ll also probably need full-coverage insurance, which typically includes comprehensive and collision coverage. Gap insurance may be a great addition to your insurance policy if you finance your vehicle and owe more than it’s worth. It can pay your remaining loan balance if an accident totals your car.
Several car insurance companies in Killeen offer below-average rates, which can help you save on your auto policy without sacrificing coverage. The chart below shows the five cheapest Killeen insurers, according to Compare.com data.
With an average monthly rate of $51, State Farm is the cheapest auto insurance company in Killeen.
We also found the cheapest insurers for all the top rating factors insurance companies use to determine premiums. We cover them in more detail in the next section.
The companies listed above are a good start for cheap rates, but your age, ZIP code, driving record, and other factors will influence how much pay.
The following table shows the cheapest car insurance companies in Killeen for different driver profiles and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $51 |
| Full coverage | State Farm | $85 |
| Teens | State Farm | $102 |
| Seniors | State Farm | $40 |
| Drivers with a speeding ticket | State Farm | $62 |
| Drivers with an at-fault accident | State Farm | $65 |
| Drivers with a DUI | State Farm | $70 |
| Drivers with excellent credit | State Farm | $43 |
| Drivers with poor credit | State Farm | $73 |
The best way to accurately determine how much you’ll pay for auto insurance is to compare car insurance quotes from multiple companies. Though you can go to each insurer’s website and get a quote, you can compare quotes easier and faster using a car insurance comparison site.
Next, we’ll share our top picks for the best companies offering car insurance coverage for Killeen drivers.
Compare personalized quotes from Killeen’s top insurers.
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Every driver has different coverage needs and budgets, so no single insurance company is best for everyone. That said, a few stand out after comparing available discounts and coverages, customer ratings, and average car insurance rates in Killeen.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers some of the cheapest car insurance policies in Killeen, according to our research. The insurer offers basic and full-coverage policies, though it offers only a few optional coverages, like roadside assistance and mechanical breakdown insurance.
Tech-savvy drivers may prefer GEICO for its digital tools. You can use live chat and 24/7 mobile policy and claims capabilities online or through the mobile app. GEICO also offers multiple discounts for federal employees, military members, online shoppers, and safe drivers.
Incredibly cheap rates
Live chat available
Many discounts available
Only one local agent
Below-average claims satisfaction score[4]
Few optional coverages available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a great option if you’re on a budget. Its average rates are well below average, according to our analysis. The insurer also has multiple savings options for young drivers, including its Steer Clear safe driving program.
Other age groups can also take advantage of State Farm’s impressive list of Texas discounts, such as defensive driver, vehicle safety, good driving, and renewal discounts.
State Farm has above-average customer satisfaction scores for claims experience and in the Texas region. While you can get accident forgiveness to prevent a premium surcharge after an at-fault accident, you must be accident-free for nine years to qualify.
Inexpensive rates
Above-average customer satisfaction rating[5]
Multiple savings opportunities for teens and young drivers
Gap insurance not available
Limited optional coverages available
Doesn’t offer Mexico car insurance
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA may be a good fit for Killeen’s many military drivers and their family members. Though it only offers basic and full-coverage policies, the insurer provides additional savings to members who garage their car on base, deploy or store a vehicle, or drive fewer miles.
The insurer also outranks all other insurance companies for customer service and claims satisfaction, but it doesn’t qualify for ranking because of its membership restrictions.
Excellent customer satisfaction ratings
Savings of up to 30% with SafePilot
Military-specific discounts
Must qualify for membership
Rates may be cheaper elsewhere
Only basic coverages available
Compare quotes side-by-side and lock in cheaper rates.
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Adding car insurance discounts to your auto policy is the easiest way to lower your premium. Though all insurers offer discounts, availability varies by company and state.
That said, here are some discounts you might qualify for:
Military: Some companies offer a military discount to active-duty, veteran, and reserve members.
Affiliation: An affiliation discount may be available for members of various organizations, such as college alumni, professional organizations, credit unions, and affiliate company employees.
Anti-theft: Most insurers offer an anti-theft device discount if you install certain devices in your vehicle to prevent theft.
Defensive driver: Complete an in-person or online defensive driving course to get a defensive driving course discount.
Safe driver: A good driver discount is available for Killeen drivers with no recent tickets or at-fault accidents.
Here are even more ways to save on Killeen auto insurance.
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Discounts aren’t the only way to get cheaper car insurance in Killeen. Check out these other tips for more savings:
Improve your credit. Staying on top of your bills and paying on time can improve your credit, which can also lower your insurance premium.
Ask for an insurance review. Ask your insurance agent to review your auto policy to make sure you aren’t paying for unnecessary coverage and getting all the discounts you’re eligible for.
Show off your driving skills. If you’re a safe driver, you can show off your driving habits and save money by letting your insurer track your trips through its telematics program.
Shop regularly. Rates vary by insurance company, so it’s a good idea to compare quotes every year or when your policy is up for renewal to ensure you’re getting the cheapest rate.
Compare personalized quotes and get cheaper rates in minutes.
Finding affordable car insurance coverage is possible with a little help. We answered common questions people ask about getting auto insurance in Killeen to help you find the best coverage.
The cheapest auto insurance company in Killeen is State Farm, with an average monthly rate of $51, according to our data. But insurance pricing is highly personal, so it’s worth comparing quotes from multiple companies to find the cheapest insurer for your coverage needs.
Killeen’s average monthly car insurance cost is $147, according to our research. Drivers pay an average of 51 per month for liability-only coverage. The average premium for a full-coverage policy is $85 per month in Killeen.
State Farm has the cheapest car insurance in Texas, averaging $59 per month, according to our data. Comparing auto insurance quotes from several insurers is the best way to determine which company is the cheapest for your driver profile.
Yes. Our research found that GEICO’s average rates are well below the Texas average. Texas drivers who insure their cars with
GEICO pay an average of $100 per month for liability insurance and $174 for full coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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