The cost of car insurance in Abilene can be different depending on your circumstances and the insurance companies you consider. Based on our information, the minimum coverage in Abilene is about 6% cheaper compared to the average cost nationwide. It’s a good practice to regularly compare rates from different companies to ensure you are getting the best deal.
We’ve reviewed the cheapest car insurance companies on a variety of factors including minimum- and full-coverage insurance costs. In this article, we want to help you find affordable providers for car insurance in Abilene, regardless of whether or not you have accidents on your record.
Key Points:
- Our rate data shows the cheapest minimum coverage starts at $26 per month in Abilene for good drivers.
- The cheapest full-coverage insurance starts at $112 per month for good drivers.
- The cheapest auto-insurance companies include State Farm, which offers the cheapest options for both minimum- and full-coverage policies.
The Best Cheap Car Insurance In Abilene
State Farm, USAA, GEICO, and Texas Farm Bureau make up our list of the best car insurance providers in Abilene, Texas. These providers offer competitive rates for minimum- and full-coverage car insurance. They also provide a broad range of coverage options and excellent customer service.
Car Insurance Companies Abilene
Car Insurance Company Our Score Minimum Coverage Monthly Average Full Coverage Monthly Average State Farm 4.7 $26 $112 GEICO 4.6 $35 $121 USAA 4.6 $34 $150 Nationwide 4.3 $63 $151 Progressive 4.3 $59 $270 Farmers 4.2 $129 $366 Allstate 4.1 $45 $295 AAA 4 $46 $179 Texas Farm Bureau 4 $36 $112
*All cost tables within this article represent average car insurance rates for the driving profile of a single, male driver aged 25 to 35 with good credit and a clean driving history. Rate data was sourced from Quadrant Information Services.
Car Insurance Quotes Abilene
In Abilene, the minimum car insurance coverage helps pay for damages to other people if you are responsible for a car accident. Our data shows minimum coverage costing about $53 per month or $632 per year in Abilene. Compared to the national average, this is about 6 percent less expensive.
A full-coverage car insurance policy repairs damages to your own car that come from car accidents or the environment. Our data shows that full coverage costs about $195 per month or $2,341 per year in Abilene on average. Compared to the national average cost of car insurance, Abilene is about 6 percent more expensive.
Cheap Liability Insurance Companies In Abilene
Minimum coverage is the cheapest type of insurance in Abilene. We recommend shopping from State Farm and USAA since our data shows they offer the cheapest, minimum auto-insurance rates. Good drivers can find monthly rates of $26 from State Farm and $34 from USAA.
Car Insurance Company Monthly Minimum Coverage Average Annual Minimum Coverage Average State Farm $26 $307 USAA $34 $412 GEICO $35 $424 Texas Farm Bureau $36 $433 Allstate $45 $542 AAA $46 $556 Progressive $59 $708 Nationwide $63 $755 Farmers $129 $1,550
Cheap Full-Coverage Car Insurance In Abilene
Our rate data shows that State Farm offers the cheapest full-coverage insurance in Abilene with rates of $112 per month. Texas Farm Bureau ($112 per month) and GEICO ($121 per month) are also affordable.
Full coverage includes liability, comprehensive, and collision insurance. If you have a car loan, your lender will ask you to have complete insurance coverage since it keeps your car safe in almost any situation.
Car Insurance Company Monthly Full Coverage Average Annual Full Coverage Average State Farm $112 $1,340 Texas Farm Bureau $112 $1,347 GEICO $121 $1,448 USAA $150 $1,802 Nationwide $151 $1,808 AAA $179 $2,152 Progressive $270 $3,243 Allstate $295 $3,535 Farmers $366 $4,388
How Driver Profiles Affect Abilene Car Insurance Quotes
The cost of your car insurance depends on your personal situation. Because of how car insurance works, your driving history, age, vehicle, credit score, and even Abilene ZIP code influence your rate. Insurance companies take into account various factors when determining rates for drivers. This means that the company that offers the lowest rate for you might not necessarily be the cheapest option for your neighbor. Let’s explore a few examples to illustrate this further.
Abilene Car Insurance Rates By ZIP Code
The rate of accidents, vandalism, and thefts can vary slightly among different ZIP codes in Abilene. These factors can impact how much you pay for your car insurance. The table below shows how average rates can increase by 0.2 percent or decrease by 0.2 percent depending on the ZIP code in Abilene.
Abilene ZIP Code Full Coverage Monthly Average Full Coverage Annual Average Difference From Abilene Average 79605 $195 $2,337 -0% 79601 $195 $2,344 0%
Does Credit Score Affect Car Insurance in Abilene?
In many states, insurance companies can consider credit scores when determining rates because there is a connection between having a lower score and being more likely to make a claim. If you have a poor credit score in Abilene, you might have to pay higher insurance rates. On the other hand, having a credit score that is better than the average can help decrease your rates.
Cheapest Car Insurance In Abilene For Bad-Credit Drivers
If your credit score is not in good shape, we suggest that you compare insurance rates from different providers. USAA offers affordable rates for drivers with poor credit at $54 per month for minimum coverage or $267 per month for full coverage.
Car Insurance Company Monthly Minimum Coverage Average Monthly Full Coverage Average USAA $54 $267 Allstate $65 $457 AAA $72 $279 Texas Farm Bureau $77 $259 Nationwide $83 $220 Progressive $94 $479 GEICO $95 $310 State Farm $135 $568 Farmers $174 $491
Abilene Car Insurance Cost: Age
Teenagers have to pay more for car insurance because they tend to take more risks while driving. Compared to other age groups, teens have more accidents and traffic violations, so insurance companies charge them higher rates for coverage. In Abilene, 16-year-olds on their own insurance policy pay about $231 per month for minimum coverage or $749 per month for full coverage.
As teens age into their 20s and beyond, their rates decrease. Car insurance is usually cheapest for drivers from 35 to 55 years old. Seniors may pay slightly higher rates because of an increase in accident risk.
Here, you can see the different average insurance rates for minimum and full coverage in Abilene based on age.
Driver Age Monthly Minimum Coverage Average Monthly Full Coverage Average 16 $231 $749 25 $59 $215 30 $53 $195 35 $47 $175 45 $47 $169 55 $43 $151
Cheapest Car Insurance Companies In Abilene For Teen Drivers
Although the cost of auto insurance for teenagers can be high, certain insurance companies provide more affordable options compared to others. For example, GEICO is one of the cheapest options for teens with minimum coverage rates of $91 per month or full-coverage rates of $321 per month. Texas Farm Bureau and State Farm are two more affordable options for 16-year-olds.
Car Insurance Company Monthly Minimum Coverage Average Monthly Full Coverage Average GEICO $91 $321 Texas Farm Bureau $97 $243 State Farm $97 $351 USAA $102 $395 AAA $176 $493 Nationwide $234 $518 Progressive $283 $1,192 Allstate $410 $1,500 Farmers $587 $1,726
How Driving Records Affect Abilene Car Insurance Costs
If you’ve been responsible for accidents or received speeding tickets, you should anticipate higher car insurance costs. On average, accidents and tickets increase your rates for three years. Our data shows that drivers with a speeding ticket pay 16 percent more for insurance, while an accident can increase rates by 64 percent and a DUI or DWI by 53 percent.
Insurance companies have varying rates because they use different methods to decide how much to raise prices. Our data shows State Farm, GEICO, and USAA are affordable for drivers with different types of violations. Below are average rates for drivers with a speeding ticket, at-fault accident, or DUI.
Car Insurance Company Monthly Minimum Coverage Average Monthly Full Coverage Average State Farm $34 $136 GEICO $49 $170 USAA $49 $207 Texas Farm Bureau $60 $164 Progressive $70 $328 Allstate $71 $396 AAA $74 $267 Nationwide $97 $239 Farmers $182 $509
Cheapest Car Insurance In Abilene For A Speeding Ticket
Which insurance company has the most affordable prices after getting a speeding ticket? Our rate data shows drivers can find low minimum coverage rates from State Farm at $26 per month on average. They can find the cheapest full-coverage rates at State Farm, at $112 per month.
Car Insurance Company Monthly Minimum Coverage Average Monthly Full Coverage Average State Farm $26 $112 Texas Farm Bureau $36 $112 USAA $39 $170 GEICO $39 $139 Allstate $45 $295 AAA $65 $241 Progressive $67 $322 Nationwide $75 $185 Farmers $160 $501
Cheapest Car Insurance In Abilene For An At-Fault Accident
At-fault accidents can increase your insurance rates more than speeding tickets can in most cases. State Farm is the cheapest minimum-coverage option here with average monthly rates of $31. For full-coverage insurance, State Farm offers cheap rates of $129 per month. You can see there’s a big difference between the cheapest and most expensive companies below.
Car Insurance Company Monthly Minimum Coverage Average Monthly Full Coverage Average State Farm $31 $129 GEICO $50 $177 USAA $53 $225 Texas Farm Bureau $62 $175 AAA $79 $280 Progressive $80 $367 Allstate $84 $445 Nationwide $96 $236 Farmers $242 $615
Cheapest Car Insurance In Abilene For A DUI
Getting involved in a DUI can have a big impact on your official record and lead to a significant increase in your yearly insurance costs, sometimes going up by hundreds of dollars. It is possible that if you have multiple DUIs and other offenses, regular insurance companies may refuse to provide coverage for you.
If you have a DUI in Abilene, the cheapest company for minimum coverage is State Farm. You can find rates as low as $44 per month. The cheapest full-coverage option is State Farm with average monthly rates of $169.
Car Insurance Company Monthly Minimum Coverage Average Monthly Full Coverage Average State Farm $44 $169 USAA $55 $226 GEICO $57 $194 Progressive $63 $295 AAA $79 $282 Allstate $82 $448 Texas Farm Bureau $83 $203 Nationwide $121 $296 Farmers $143 $412
Car Insurance Requirements In Abilene
A minimum-coverage policy includes bodily injury liability coverage and property damage liability coverage. The state of Texas requires drivers to carry insurance policies that meet or exceed the following requirements:
- $60,000 bodily injury liability per accident
- $30,000 bodily injury liability per person
- $25,000 property damage liability per accident
Types Of Car Insurance Coverage
Type of Coverage Description Liability Bodily injury (BI) liability insurance pays the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance covers the damages to other drivers’ vehicles after an accident where you’re at fault. Collision Collision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard. Comprehensive Comprehensive insurance pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism. Medical payments coverage (MedPay) MedPay covers medical bills for you and your passengers after an accident. Personal injury protection (PIP) PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages. Underinsured/uninsured motorist coverage (UM/UIM) Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance.
Cheap Car Insurance In Abilene: Our Take
On average, Abilene drivers pay about 6 percent less than the national average. But, if you know where to shop, you can find better prices. Looking at full- and minimum-coverage rates across for a variety of situations, we recommend State Farm, GEICO, Texas Farm Bureau, and USAA for the cheapest Abilene auto insurance.
To find your cheapest rates in Texas, compare free quotes from different companies. We recommend getting at least three quotes each time you shop for insurance.
Cheapest Auto Insurance In Abilene: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Abilene:
How much is car insurance in Abilene?
According to our rate data, good drivers in Abilene pay about $53 per month or $632 per year for minimum-coverage insurance on average. Full-coverage insurance rates are around $195 per month or $2,341 per year.
Is car insurance higher in Abilene?
The average full-coverage insurance cost in Abilene is about $2,341 per year. This is about 17 percent lower than the Texas average of $2,540 and 6 percent higher than the national average of $2,216.
How much is car insurance in Texas per month?
The average cost of minimum-coverage car insurance in Texas is $64 per month or $762 per year. Full-coverage auto insurance is $212 per month or $2,540 per year.
What is the best car insurance company in Texas?
The best car insurance company in Texas is State Farm, receiving a score of 4.7 out of 5. Our score is based on a combination of costs, coverage, reliability, and service.
Our Review Process
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Insurance rate data was sourced from Quadrant Information Services and accurate at the time of publication.
*Read more about our methodology.