In Abilene, the average driver pays $647 for a six-month car insurance policy, which is lower than the Texas average of $707 and the national average of $880.
Car insurance in Abilene vs. Texas:
- Abilene average: $647
- Texas average: $707
Key insights regarding car insurance in Abilene:
- The average cost of a six-month car insurance policy in Abilene is $647, equivalent to $107 per month.
- USAA offers the most affordable rates in Abilene, with an average premium of $530.
- 37% of Abilene customers who used our service cited high costs with their current provider as the reason.
Wondering if you’re overpaying for auto insurance?
Compare rates from different companies to find the best fit for your needs. Here are some of the cheapest car insurance companies in Abilene:
- Georgia Farm Bureau: $523
- USAA: $637
- State Farm: $782
- GEICO: $936
- Progressive: $1,035
Our data methodology:
We use the latest ZIP code-level rate filings from Quadrant Information Services and S&P Global to provide accurate home and auto insurance rates.
These filings, updated regularly by insurers, are verified through Quadrant’s QA process and integrated into our estimator.
Our displayed rates are based on a dynamic profile tailored to factors like age, location, and coverage level, reflecting how these variables impact premiums.
Abilene Auto Insurance Rates by Age
In Abilene, drivers aged 20-29 account for 30% of the population.
Those in their 50s and 60s typically enjoy lower auto insurance costs, with 50-year-olds paying approximately $556 for six months and 60-year-olds paying around $570.
Teenage drivers (16-19 years old) encounter the highest insurance premiums in Abilene. However, rates notably decrease once drivers enter their 20s.
The contrast between teenage and 20s drivers’ rates in Abilene is significant, amounting to a $1,521 difference, making it the most considerable gap between any two age brackets.
Age-Based Auto Insurance Rates in Abilene
| Age Group | Average 6-Month Premium |
|---|---|
| Teenagers (16-19) | $1,602 |
| 20s | $841 |
| 30s | $637 |
| 40s | $620 |
| 50s | $556 |
| 60s | $570 |
| 70s | $688 |
Abilene Car Insurance Rates Based on Credit Score
Credit score plays a significant role in determining insurance rates. Drivers with less favorable credit histories typically face higher insurance premiums compared to those with good credit.
In Abilene, improving one’s credit score from “Very Poor” (300-579) to “Exceptional” (800-850) can lead to savings of up to 60% on auto insurance premiums.
Transitioning from “Very Poor” to “Fair” credit is a crucial step toward reducing insurance costs.
In Abilene, elevating your credit score to “Fair” could result in a substantial $541 decrease in six-month car insurance rates.
Our data indicates that a notable percentage of drivers in Abilene have a credit score within this range.
Abilene Car Insurance Rates by Credit Score
| Credit Tier | Average 6-Month Premium |
|---|---|
| Very Poor (300-579) | $1,347 |
| Fair | $805 |
| Good | $647 |
| Very Good | $602 |
| Exceptional (800-850) | $537 |
Abilene Car Insurance Rates Based on Violations
Keeping a clean driving record is key to keeping insurance rates low.
Violations such as speeding tickets, reckless driving charges, DUIs, DWIs, and at-fault accidents often result in higher insurance premiums.
Among these violations, DUI and reckless driving are particularly expensive.
Abilene drivers convicted of reckless driving can expect their insurance rates to rise by $659 per year compared to the citywide average.
A DUI offense may result in a $676 increase, while speeding citations typically lead to a $107 rate hike.
Abilene Auto Insurance Rates Following a Violation
| Violation | Average 6-Month Premium |
|---|---|
| DUI/DWI | $985 |
| Reckless Driving | $976 |
| At-fault Accident (damages less than $1,000) | $810 |
| At-fault Accident (damages > $2,000) | $962 |
| Speeding Ticket (16-20 mph over speed limit) | $701 |
Car Insurance Requirements in Abilene
In Abilene, the state of Texas mandates drivers to carry minimum-coverage policies comprising bodily injury liability coverage and property damage liability coverage.
These policies must 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
- Liability: This covers bodily injury (BI) liability, paying for medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance covers damages to other drivers’ vehicles in the same scenario.
- Collision: This pays for damages to your vehicle resulting from a collision with another vehicle or a road hazard.
- Comprehensive: Comprehensive insurance covers damages to your vehicle caused by animals, natural disasters, theft, and vandalism.
- Medical Payments Coverage (MedPay): MedPay covers medical bills for you and your passengers following an accident.
- Personal Injury Protection (PIP): PIP also covers medical bills for you and your passengers after an accident and can cover lost wages.
- Underinsured/Uninsured Motorist Coverage (UM/UIM): This 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 uninsured.
Cheap Car Insurance in Abilene: Our Take
On average, Abilene drivers pay around 6 percent less than the national average for auto insurance.
However, by exploring different options, better prices can be found.
Based on full- and minimum-coverage rates for various situations, State Farm, GEICO, Texas Farm Bureau, and USAA are recommended for the cheapest Abilene auto insurance.
To find the most economical rates in Texas, it’s advisable to compare free quotes from different companies, aiming for at least three quotes each time you shop for insurance.
Also read: Cheap Broad Form Insurance: A Complete Analysis
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?
Good drivers in Abilene pay approximately $53 per month or $632 per year for minimum-coverage insurance on average. Full-coverage insurance rates are approximately $195 per month or $2,341 per year.
- Is car insurance higher in Abilene?
The average cost of full-coverage insurance in Abilene is about $2,341 per year, which is approximately 17 percent lower than the Texas average and 6 percent higher than the national average.
- How much is car insurance in Texas per month?
Minimum-coverage car insurance in Texas averages $64 per month or $762 per year. Full-coverage auto insurance costs around $212 per month or $2,540 per year.
- What is the best car insurance company in Texas?
State Farm is considered the best car insurance company in Texas, receiving a score of 4.7 out of 5 based on factors such as costs, coverage, reliability, and service.
Review Process
Our review process aims to provide consistent and unbiased evaluations of car insurance providers.
Key factors considered include:
- Cost: This involves comparing insurance rate estimates, discount opportunities, and consumer reports from Quadrant Information Services.
- Coverage: We assess the number of coverage options available, coverage limits, deductible options, and additional services like roadside assistance.
- Reliability: Financial strength ratings from AM Best and customer reviews help evaluate insurers’ reliability.
- Service: We analyze customer experiences, complaints volume, and claims processes, favoring providers with easy-to-use claims apps and a low volume of complaints