Abilene Auto Insurance Rates, Quotes, Agents & Reviews in TX

Abilene, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Abilene, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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The Cost of Insuring Your Car in Abilene, TX, is $1,210

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According to the U.S. Census Bureau, Abilene has a population of 122,999. The median household income here is $47,689, while the per capita income is $23,756. The average cost of car insurance in Abilene is $1,210. As the above infographic suggests, this is much lower than the average cost of auto insurance in neighboring places such as Taylor County and Hawley-Noodle.

Numerous factors influence the cost of car insurance in Abilene. Some of them are:

  • Age of the Driver

  • Make and Model of the Car

  • Rate of Deductibles

  • Credit Score

Credit scores can have a massive impact on the insurance quote offered to you by car insurance companies in Abilene. The credit score of an individual can be classified into “exceptional,” “excellent,” “good,” “average,” and “poor.” The better the credit score, the better are the chances of landing a cost-effective insurance quote. A car owner with an exceptional credit score of 800-850 will find insurance to be very cheap in Abilene. The average cost of car insurance for an “exceptional” credit score can be between $1,038 and $1,185.

It is imperative to compare multiple car insurance quotes before arriving at one that best suits one’s needs. The cost of car insurance can vary from one neighborhood to another depending on factors, including the rate of auto thefts in that neighborhood. This is where anti-theft features can come in handy. Equipping one’s car with an anti-theft device can go a long way in reducing the risk of theft and reducing the cost of auto insurance. Car insurance companies in Abilene provide multiple discounts to vigilant car owners who equip their vehicles with the latest anti-theft technology. Equipping the vehicle with an audible alarm can help reduce the cost of auto insurance to $1,162, while a passive disabling device can help reduce it to $1,125. This can help save $48 and $85, respectively. The country saw a drop of 3.1% in the rate of auto thefts from 2017 to 2018.

From the above analysis, it is clear that the cost of auto insurance in Abilene hinges on multiple factors.

Auto insurance rates in Abilene, Texas

There are a number of factors that determine auto insurance rates, the most important of which are: state regulations, make and model of the car, individual driving records, and personal profile. The city and state you live in has a major impact on your auto insurance rates.

Abilene in Texas is one of the affordable cities for insurance deals.  Abilene is the 3rd on the list of the least expensive auto insurance cities, out of 25 cities. With an average insurance rate of $1200, Abilene is much lower than the state‚Äôs average of $1500.

Since 2009, Abilene has seen a growth at a Compound Annual Growth Rate (CAGR) of 71% in its average insurance rates on a year-over-year (YOY) basis, from $700 in 2009 to $1200 in 2013. The increase is mainly attributed to a high accident rate and drunken driving cases. In most cases, drunk driving affects premiums more than accidents do. In Abilene, alcohol-related offenses will increase your insurance rates by around $1400.

Of all the models, the Mercedes CL600 is the most expensive car to insure. The annual average insurance rate of the Mercedes CL600 is $2800. On the other hand, the Jeep Patriot Sport is the cheapest car to insure with an annual premium of $ 900.

If we also consider the Manufactured Suggested Median Price (MSRP) along with the insurance rates, the Nissan Versa is the least expensive car available in the small car segment in Abilene. The Versa has an MSRP of $12760, and annual average insurance rate of $1100. In the small car segment, the Nissan Juke is the most expensive, with an MSRP of $23,700 and an insurance rate of $1100.

Of all the SUVs, the Nissan Rogue is the least expensive in Abilene, with an MSRP of $21,460 and annual average insurance rate of $1000. The Nissan Armada, on the other hand, is the most expensive SUV available in Abilene. Its MSRP is $37,910 and annual average insurance rate is $1200.

Auto Insurance Rates in Abilene, TX

The average cost of car insurance in Abilene, TX is $1210.  Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.

Check out the factors and related discounts available in Abilene in detail given below.

Multi Car Insurance Rates 

Car owners in Abilene can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows.

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Based on age age of the driver

The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Abilene, teens pay a higher average of $3926 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1197 and $1152 respectively. Abilene car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.

Based on credit score

Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Abilene if you are an "excellent" driver with a score of 800 and more, your average annual premium is $1038  but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less than the average insurance cost whereas car owners with poor credit scores pay upto $1974  as their premium in Abilene.

Based on security features 

Cars that are equipped with safety devices not only protect the vehicle and  passengers but can also save money.Car insurance companies in Abilene provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Abilene can reduce their auto insurance costs to $1125 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1162 in Abilene. Average Insurance cost for cars with active  tracking devices is $1137.

Factors that can influence the cost of car insurance in Abilene, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Abilene, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Abilene, TX with that of other cities in and around Abilene.

Abilene Buffalo Gap Potosi Impact Hawley-Noodle Taylor County
Average Insurance Rates $1,210 $1,910 $1,991 $1,849 $1,878 $1,894

Abilene, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Abilene, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Abilene $1,463 $1,235
Impact $1,906 $1,610
Potosi $2,936 $2,480
Tye $1,208 $1,021
Buffalo Gap $1,299 $1,097
Taylor County $992 $838
Hawley $1,453 $1,228
Hawley-Noodle $1,421 $1,201

Abilene, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Abilene, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,926
20 Years $1,555
30 Years $1,197
40 Years $1,152
50 Years $1,067
60 Years $1,082
70 Years $1,259

Abilene, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Abilene, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,105 $315
3 Vehicles $3,158 $472
4 Vehicles $4,211 $629

Savings on 2 Vehicles bundle:$315

Savings on 3 Vehicles bundle:$472

Savings on 4 Vehicles bundle:$629


Abilene, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Abilene, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Abilene $1,210 $1,884
Impact $1,849 $2,878
Potosi $1,991 $3,100
Tye $1,823 $2,838
Buffalo Gap $1,910 $2,973
Taylor County $1,894 $2,949
Hawley $1,850 $2,880
Hawley-Noodle $1,878 $2,924

Abilene, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,038
Excellent (740-799) $1,185
Good (670-739) $1,261
Average (580-669) $1,645
Poor (300-579) $1,974

Abilene, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jb Cloud Farmers 1726 Campus Ct, Abilene, 79601 (325) 704-5021
Blake Williams State Farm 650 N Judge Ely Blvd, Abilene, 79601-5558 325-673-7145
Glynn Walker State Farm 6350 Buffalo Gap Road, Abilene, 79606-5937 325-698-3832
Travis Scherwitz State Farm 4150 Southwest Dr Ste 130, Abilene, 79606-2286 325-695-0695
The Surety Bonding Agency Travelers 3303 N 3Rd St Ste G, Abilene, 79603 None
Sam J Corn State Farm 2302 S. 14th St, Abilene, 79605 325-698-3146
Cbs Insurance Llp Liberty Mutual Independent 3005 S Treadaway Blvd, Abilene, 79602 (325) 695-0222
Robyn Gail Sharp Travelers 3369 S 14TH ST, ABILENE, 79605 325-754-0080
Joe Walker State Farm 1750 E. Overland Trail, Abilene, 79601 325-677-1000
Wicker-Parker Agency Inc Travelers 3909 SOUTH 7TH ST STE D, ABILENE, 79605 325-437-0677

Abilene, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$53 $1,263
Driver's Failure In Showing Documents +$117 $1,327
Driving With An Expired Registration +$125 $1,335
Driving At A Considerably Slow Pace +$263 $1,473
Using A Cellphone While Driving +$277 $1,487
Running A Red Light +$282 $1,492
Speeding +$296 $1,506
Driving A Vehicle Without The Required Permission +$376 $1,586
Driving With An Expired/Suspended License +$816 $2,026

Abilene, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,162
Active Disabling Device $1,162
Tracking Device $1,137
Passive Disabling Device $1,125

Latest Auto Insurance Reviews in Abilene, TX | Back to Top

Geico
I don't know how much different my insurance is compared to other car insurance policies. It seems to be similar though.
Progressive
Customer service has always been quick and responsive. I would definitely recommend Progressive to new car owners.
Progressive
Very fair customer service. These guys know how to handle things such as accident claims so if I ever get in one again I won't be astounded by incompetency.
Geico
I have two cars using the same insurance auto and with that i was able to get a competive offer from geico
Progressive
They are easy to work with and was able to quickly get a quote. Payment method is smooth and quick. No complaints. WOuld recommend for their website being user friendly.
Mercury
I will definitely recommend mercury for their service and their rates. Besides, you combine your auto insurance with your home insurance. You get special discount.
The General Insurance
This was the cheapest auto insurance I could find, which was why I got it. The customer service being great was another plus, in addition to getting to see my boy Shaq on their homepage haha.
The General Insurance
This was the cheapest auto insurance I could find, which was why I got it. The customer service being great was another plus, in addition to getting to see my boy Shaq on their homepage haha.
Geico
I don't like that the price for my insurance has gone up a bit recently despite the fact that I haven't caused any accidents and my car value has reduced but they are still cheaper than others, so...
Geico
Geico offers full coverage, roadside assistance, windshield repair, and a very user-friendly app where I can manage my quote and pay my bill as well as see my policy for proof of insurance if pulled over.
Progressive
I love how accessible Progressive is online and via app. I was previously with Hanover and they were very difficult to get a hold of when I needed to. I like doing things online when I can and progressive allows me to do that.
Mercury
I disliked about the company was sometimes bad and rude customer service and also their interior maintenance.
Usaa
The premium is wonderful that I get with USAA it is much better than other insurance companies.
State Farm
I like the people at the company. They are so kind and they are very caring. I appreciate everything they do for people.
Progressive
I think Progressive offers comparable services for a better price than more companies. I know it offers free car rental during repairs, roadside assistance, and free glass repair.
Geico
I don't want to pay a lot for my car insurance because I really don't think I need it. Mainly, I want to complain about the State that I am living in because it is a requirement or else I will get fined.