Cheap Car Insurance in Killeen, Texas (With 2021 Rates)

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Lowest Premium

$303 / YEAR

Average Premium

$472 / YEAR

Highest Premium

$700 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Killeen is around $472 and can go upto $700. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Killeen by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Killeen. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
76540$480
76541$473
76543$452
76549$466

Insurance Agents in Killeen, TX and Near by

  • 1.3 mi
    Paul Jo
    311 N 8th St, Killeen, TX 76541
    (254) 526-4447
  • 1.3 mi
    Best Buy Insurance
    318 N 10th St, Killeen, TX 76541
    (254) 616-8282
  • 1.3 mi
    Mike Acosta
    510 S 2nd St, Killeen, TX 76541
    (254) 634-3590
  • 1.3 mi
    A-Max Auto Insurance
    908 N Gray St, Killeen, TX 76541
    (254) 554-7000
  • 1.3 mi
    Tommy Roberts
    1015 N 8th St, Killeen, TX 76541
    (254) 634-4664
  • 1.3 mi
    Texian Insurance Agency
    810 W Rancier Ave Ste 700, Killeen, TX 76541
    (254) 526-4040
  • 1.3 mi
    Becky Isbell
    1808 E Rancier Ave, Killeen, TX 76541
    (254) 634-5433
  • 1.3 mi
    Freeway Insurance
    920 W Rancier, Killeen, TX 76541
    (254) 859-4005
  • 1.3 mi
    K. Sue Reiley
    1801 Trimmier Rd Ste A1, Killeen, TX 76541
    (254) 526-6332
  • 1.3 mi
    Michael Keefe
    1801 Trimmier Rd Ste A1, Killeen, TX 76541
    (254) 526-7123
  • 1.3 mi
    Acceptance Auto Insurance
    1034 S Fort Hood St, Killeen, TX 76541
    (254) 501-9900
  • 1.3 mi
    Melvin Hershberger
    1805 Florence Rd Ste 15, Killeen, TX 76541
    (254) 519-7858
  • 1.3 mi
    All American Insurance
    1805 Florence Rd Ste 7, Killeen, TX 76541
    (254) 526-2223
  • 1.3 mi
    Robert Easland
    1805 Florence Rd Ste 11, Killeen, TX 76541
    (254) 628-8448
  • 1.3 mi
    Bigham Kliewer Chapman & Watts Insurance
    2100 Trimmier Rd Ste 100, Killeen, TX 76541
    (254) 699-7100
  • 1.3 mi
    Michael Pressley
    1107 E Central Texas Expy, Killeen, TX 76541
    (254) 519-2100
  • 1.3 mi
    Alan Cox
    1201 E Central Texas Expwy, Killeen, TX 76541
    (254) 699-2277
  • 1.3 mi
    Insurance Agency Mall
    2000 E Central Texas Expy, Killeen, TX 76541
    (254) 634-7441
  • 10.77 mi
    Cobb Insurance Agency
    1536 W Stan Schlueter Loop, Killeen, TX 76549
    (254) 304-2554
  • 10.77 mi
    Larry Weiss Insurance Agency
    2204 W Stan Schlueter Loop, Killeen, TX 76549
    (254) 554-5252
  • 10.77 mi
    Joaquin Carrasquillo
    4200 W Stan Schlueter Loop Ste B-200, Killeen, TX 76549
    (254) 245-9779
  • 6.3 mi
    Texas Farm Bureau Insurance
    4200 E Stan Schlueter Loop Ste D, Killeen, TX 76542
    (254) 690-7111
  • 6.3 mi
    Lori Miranda
    1002 Ronstan Dr, Killeen, TX 76542
    (254) 702-6046
  • 6.3 mi
    Kimberley Curb Bridenstine
    501 W Elms Rd Ste 2, Killeen, TX 76542
    (254) 526-0426
  • 6.3 mi
    Leah McGee
    1900 E Elms Rd Suite 100 A, Killeen, TX 76542
    (254) 634-9600
  • 6.3 mi
    Doug Tracey
    2100 E Stn Schltr Loop Ste G, Killeen, TX 76542
    (254) 628-7997
  • 6.3 mi
    Shawn Camp Insurance Agency
    2705 E Stan Schlueter Loop Ste 101, Killeen, TX 76542
    (254) 526-0535
  • 6.3 mi
    Donald Keith
    2707 E Stan Schlueter Loop Ste 104, Killeen, TX 76542
    (254) 630-5152
  • 6.47 mi
    William Rochelle
    4400-3 E Ctrl Tx Expy Ste C, Killeen, TX 76543
    (254) 699-2100
  • 6.47 mi
    All Star Insurance Agency
    3603 E Veterans Memorial Blvd, Killeen, TX 76543
    (254) 690-9400
  • 6.47 mi
    Valerie Martin
    410 S 38th St, Killeen, TX 76543
    (254) 634-3283
  • 6.47 mi
    Ross Caviness
    2201 SW South Young Ste 105, Killeen, TX 76543
    (254) 526-4400
  • 6.47 mi
    Herbert Moffett
    3401 E Rancier Ave Ste 116, Killeen, TX 76543
    (254) 690-0141
  • 6.47 mi
    Connell Insurance Agency
    3602 E Central Expwy, Killeen, TX 76543
    (254) 200-4822
View all agents ↓

Learn More About Car Insurance in Killeen, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.