Killeen, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Killeen, 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.
The Average Cost of Auto Insurance in Killeen, TX, is $1,251
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.
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.
Factors that can influence the cost of car insurance in Killeen, 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.
- Killeen, TX Auto Insurance Rates
- Killeen, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Killeen, TX
- Multi Vehicle Insurance Savings in Killeen, TX
- How Credit Score Affects Car Insurance Rates in Killeen, TX
- How DUI Affects Auto Insurance Premiums in Killeen, TX
- Top Auto Insurance Agents Near Killeen, TX
- How Driving Violations Affect Auto Insurance Rates in Killeen, TX
- Killeen, TX Auto Insurance Discounts on Anti Theft Feature
- Killeen, TX Auto Insurance Company Reviews
Killeen, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Killeen, TX with that of other cities in and around Killeen.
| Killeen | Belton | Nolanville | Salado | Southwest Bell | Bell County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,251 | $1,940 | $1,912 | $2,065 | $1,969 | $1,722 |
Killeen, 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 Killeen, 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) |
|---|---|---|
| Killeen | $1,084 | $915 |
| Harker Heights | $1,421 | $1,201 |
| Nolanville | $1,000 | $845 |
| Fort Hood | $1,937 | $1,636 |
| Southwest Bell | $1,671 | $1,411 |
| Bell County | $935 | $790 |
| Belton | $1,436 | $1,213 |
| Salado | $1,204 | $1,017 |
Killeen, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Killeen, 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 | $4,059 |
| 20 Years | $1,607 |
| 30 Years | $1,238 |
| 40 Years | $1,191 |
| 50 Years | $1,103 |
| 60 Years | $1,118 |
| 70 Years | $1,302 |
Killeen, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Killeen, 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 | $2,152 | $350 |
| 3 Vehicles | $3,228 | $525 |
| 4 Vehicles | $4,303 | $701 |
Savings on 2 Vehicles bundle:$350
Savings on 3 Vehicles bundle:$525
Savings on 4 Vehicles bundle:$701
Killeen, 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 Killeen, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Killeen | $1,251 | $1,948 |
| Harker Heights | $1,971 | $3,068 |
| Nolanville | $1,912 | $2,977 |
| Fort Hood | $1,881 | $2,928 |
| Southwest Bell | $1,969 | $3,065 |
| Bell County | $1,722 | $2,681 |
| Belton | $1,940 | $3,020 |
| Salado | $2,065 | $3,215 |
Killeen, 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) | $1,073 |
| Excellent (740-799) | $1,225 |
| Good (670-739) | $1,304 |
| Average (580-669) | $1,701 |
| Poor (300-579) | $2,041 |
Killeen, 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 |
|---|---|---|---|
| Joaquin Carrasquillo | State Farm | Ste B200 4200 W Stan Schlueter Loop, Killeen, 76549-5724 | 254-245-9779 |
| Bigham Kliewer Chapman Watts Insurance Agency | Liberty Mutual Independent | 2100 TRIMMIER RD STE 100, KILLEEN, 76541 | 254-699-7100 |
| Ross Caviness | State Farm | 2201 S W S Yng Dr Ste 105, Killeen, 76543-5317 | 254-526-4400 |
| Whorton Insurance | Travelers | 11200 JOLLYVILLE RD, AUSTIN, 78759 | 512-338-1191 |
| Halo Insurance Agency Inc | Nationwide | 921 W. New Hope Drive Suite 402, Cedar Park, 78613 | (512) 336-9433 |
| Sk & P Insurance Services | Travelers | 9442 N Capital Of Texas Hwy Ste 1-150, Austin, 78759 | None |
| Lee Cramer Jr | State Farm | 2013 Wls Br Pkwy Ste 107, Austin, 78728-6903 | 512-251-3473 |
| Melvin Hershberger | Farmers | 1805 FLORENCE RD STE 15, Killeen, 76541 | (254) 519-7858 |
| David Sheehan | Farmers | 206 W Main St Ste 108, Round Rock, 78664 | (512) 812-3000 |
| Chris Lewis | Allstate | 13915 N Mopac Ste 102, Austin, 78728 | (512) 494-4888 |
| Chris Lewis | Allstate | 13915 N Mopac Ste 102, Austin, 78728 | (512) 494-4888 |
| Vanessa Jackson | Farmers | 1001 Cypress Creek Rd Ste 301, Cedar Park, 78613 | (512) 402-8048 |
Killeen, 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 | +$55 | $1,306 |
| Driver's Failure In Showing Documents | +$121 | $1,372 |
| Driving With An Expired Registration | +$129 | $1,380 |
| Driving At A Considerably Slow Pace | +$271 | $1,522 |
| Using A Cellphone While Driving | +$286 | $1,537 |
| Running A Red Light | +$291 | $1,542 |
| Speeding | +$306 | $1,557 |
| Driving A Vehicle Without The Required Permission | +$389 | $1,640 |
| Driving With An Expired/Suspended License | +$843 | $2,094 |
Killeen, 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 | $1,201 |
| Active Disabling Device | $1,201 |
| Tracking Device | $1,176 |
| Passive Disabling Device | $1,163 |
Latest Auto Insurance Reviews in Killeen, TX | Back to Top
UsaaI called various companies. USAA is the lowest. When I got AARP I called and they still couldn't beat the price of the insurance from USAA.
ProgressiveI would recommend them for ease of use and adaptability. I would also have to specify that I haven't really had to use them in the sense of having to file a claim for anything.
AllstateI would recommend them to friends and family. In fact, I have already recommended them to my mother because they give discounts for elderly customers.
ProgressiveTheir rates were a little on the higher side. I did not like that they charged a $500 deductible for each individual accident.
Liberty MutualI wish auto insurance as an industry were more willing to take on risks beyond just collisions. I had my car broken into and none of the repairs were covered.
UsaaI have had no issues with the customer service in this department, in fact I don't think I've even had to deal with them other than when I signed up and that went just fine.
AllstateAllstate was able to keep me insured when I was dropped by previous car insurance company due to several accidents. The premium was a little higher than they wouldn't cover me.
Safeco InsuranceMy current premium and the deductible with my auto policy is lower for the same coverage. I am completely satisfied with my premium and adoptable.
Safeco InsuranceCompared to State Farm, Safeco is much better. The rate we pay for Auto Insurance is lower with better coverage. There's really no comparison.
Safeco InsuranceCompared to State Farm, Safeco is much better. The rate we pay for Auto Insurance is lower with better coverage. There's really no comparison.
GeicoI like that I can do most without having to drive down to an office and that it is cheaper than an office with an agent. I will likely keep this insurance until something worse happens.
UsaaFrom what I have seen, USAA offers just about everything that the other major insurers off here in Florida.
Liberty MutualI would give my insurance company three points. They have not communicated with me since I have had the policy to review my needs. They now are also more expensive than other companies from when I first started with them
UsaaI like that I can get coverage on any car I drive under my insurance policy. I would rate it a 5 because I am always covered and it is not something that I need to worry about.
GeicoMonthly insurance costs were much more affordable than other companies who for some reason consider my car a "performance vehicle" despite the fact that is a four cylinder sedan.
State AutoGeico allows you to easily submit claims through their website, and are quick to process your claims. You can also make a claim by calling them. I have always had excellent customer support from them.
Horace MannFirst, and foremost, the level of personal concern is stunning. I was originally reared in the midwest and this type of conduct reminds me of the "good old days" when my grandfather was the first agent for State Farm in Illinois. Horace Mann exemplifies the meaning of customer service, provides wise guidance for coordinating multi-line coverages and saves us a lot of money each year.
ProgressiveThe prices seem to be going up significantly, even though my driving record hasn't had any tickets, etc. in 10 years. The prices are going to force me to go look elsewhere for cheaper insurance.
MetlifeI like that they have strong coverage and are able to help me whenever I need it. They offer good discounts and good prices for the area.