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

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.

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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 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

I 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.
I 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.
I would recommend them to friends and family. In fact, I have already recommended them to my mother because they give discounts for elderly customers.
Their rates were a little on the higher side. I did not like that they charged a $500 deductible for each individual accident.
Liberty Mutual
I 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.
I 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.
Allstate 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 Insurance
My 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 Insurance
Compared 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 Insurance
Compared to State Farm, Safeco is much better. The rate we pay for Auto Insurance is lower with better coverage. There's really no comparison.
I 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.
From what I have seen, USAA offers just about everything that the other major insurers off here in Florida.
Liberty Mutual
I 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
I 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.
Monthly 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 Auto
Geico 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 Mann
First, 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.
The 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.
I 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.