The Average Cost of Auto Insurance in Killeen, TX, is $1,251

Compare Quotes from Top Providers and Save now!

The average cost of auto insurance in Killeen, Texas is $1,251. This is much lower than the cost of auto insurance in neighboring places such as Belton, Nolanville, Salado, Southwest Bell, and Bell County. The cost of auto insurance depends on numerous factors ranging from the make and model of the car to the driver’s age. It also depends on the neighborhood one resides in. In this analysis, Zimlon explores these factors in detail. Zimlon also provides the option of keying in their zip code to get accurate auto insurance quotes from different insurers.

the_average_cost_of_auto_insurance_in_killeen_tx

Demographics:

Age and gender are some of the other factors that can affect the cost of auto insurance. As the above infographic indicates, drivers in their fifties and sixties pay the least on auto insurance in Killeen, TX. The cost of auto insurance for the former is $1,103, while it is $1,118 for the latter.

Moreover, since auto insurance increases for drivers with minimum driving experience, teenagers tend to pay the most on insurance. The average cost of auto insurance for teenagers in Killeen, TX, is $4,059.

Deductibles:

Deductibles are one of the most common factors affecting the cost of auto insurance in Killeen, TX. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible increases the price. For instance, the cost of auto insurance when the deductible is $500 is $1,084. This goes down to $915, when the deductible is higher, at $1,000. However, it depends on the make and model of the vehicle and the amount of the claim.

Driving Record:

Possessing a clean driving record also helps in obtaining cheaper auto insurance. In contrast, a driving record riddled with multiple violations will only increase the cost of auto insurance. For example, post-DUI, the average cost of auto insurance in Killeen, TX, increases to $1,948. Drunk driving has a far greater impact on insurance for teenagers.  Other violations that could lead to a massive increase include driving with an expired license and running a red light. The former increases the cost of auto insurance by $843, while the latter leads to an increase of $291.

Credit Score:

The driver’s credit score is another factor that determines the rate of auto insurance in Killeen, TX. Possessing a healthy credit score will go a long way in reducing the cost of auto insurance. If the driver has an “exceptional” credit score, the average cost of auto insurance is as low as $1,073. It rises to $2,401 for drivers with “poor” credit scores.