Cheapest Auto Insurance in Abilene, Texas (2024)

If you want to live in a Texas city with affordable car insurance rates, Abilene is worth considering. Drivers in Abilene pay an average of $150 per month for car insurance, which is lower than the average cost of an auto policy in other Texas cities.

Abilene has a relatively small population — 127,000 people — compared to other Texas cities, which can contribute to its comparatively cheaper car insurance rates.^[1] Here’s what you need to know about finding the cheapest car insurance rates in Abilene, Texas.

3 of the cheapest car insurance companies in Abilene

While State Farm offers the cheapest car insurance on average for drivers in Abilene, that doesn’t necessarily mean it’s the best option for every driver. The right car insurance company will depend on your unique situation and needs, so it’s a good idea to compare coverage and obtain quotes before choosing an insurer.

Best insurer for affordable coverage: State Farm

Best insurer for U.S. military members: USAA

Best insurer for low-mileage drivers: Mile Auto

How to get the cheapest car insurance in Abilene

The best way to find affordable car insurance in Abilene is to compare quotes from different insurers. Remember that insurance companies consider several things when determining your rates, including your driving record, location, age, gender, credit history, and more.^[3]

In addition to comparing quotes, here are some tips for finding cheap car insurance in Abilene:

• Research available discounts. Many auto insurance companies advertise discounts, but make sure you can qualify for them before purchasing a policy.

• Opt for a higher deductible. Ask your insurer about increasing your deductible to reduce your monthly premiums. Just remember that if you file a claim, you’ll pay a larger amount before your insurance kicks in.

• Improve your credit. Since insurance companies in Texas can consider your credit score when determining rates, improving your credit could help you secure the lowest rates.

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Cheapest liability-only car insurance in Abilene: State Farm

Property damage and bodily injury liability insurance protect you if you’re responsible for damaging someone’s property or injuring another driver or their passengers in an accident. On average, Abilene drivers pay $93 a month for liability coverage in the city. Because liability insurance is the bare-minimum coverage you can purchase, it’s usually your cheapest option.

Here’s a look at which insurance companies offer affordable liability-only coverage in Abilene.

Cheapest full-coverage car insurance in Abilene: State Farm

A full-coverage car insurance policy includes property damage and bodily injury liability, and it includes other coverages as well. Full-coverage insurance typically includes collision and comprehensive insurance, which cover damages to your vehicle, regardless of fault. The average cost of full-coverage car insurance in Abilene is $207 a month.

These companies offer the cheapest full-coverage insurance in Abilene.

Car insurance requirements in Texas

Texas requires all drivers to carry minimum car insurance liability limits, and the state is a tort, or at-fault, state. This means that the driver found at fault in an accident is responsible for paying for any damages to other vehicles or injuries to other parties. Drivers who aren’t at fault don’t need to file claims with their own insurance companies.

Here’s a look at the minimum coverage requirements in Texas:^[4]

While you can drive legally in Texas with just state-minimum liability insurance, it may not offer enough protection for everyone. Here are some additional coverages you can consider adding to your Abilene car insurance policy:

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  Collision coverage

  Collision coverage pays for damage to your car due to a motor vehicle accident.

• 

  Comprehensive coverage

  Comprehensive coverage pays for damage to your vehicle due to non-collision events, such as natural disasters, severe weather events, fire, theft, or burglary.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage pays for damage to your vehicle and medical expenses if you’re involved in a crash with someone who doesn’t have adequate car insurance.

• 

  Personal injury protection (PIP) coverage

  Personal injury protection (PIP) coverage pays for your medical care, lost wages, and other essential expenses, such as child care, if you’re injured in a motor vehicle accident. Car insurance policies in Texas include this coverage, but you can waive it with a written letter to your insurer.

Cheapest car insurance for drivers with an incident

If you’re a driver in Abilene with an incident on your record, your insurance company may deem you a high risk to insure. Incidents can include speeding tickets, driving under the influence, at-fault accidents, and other moving violations. Because of the higher risk associated with a poor driving record, these drivers tend to pay more for car insurance.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

While you want to get from Point A to Point B quickly, it’s wise to obey the posted speed limits in Abilene. A single speeding ticket can hike your insurance rates, and multiple tickets may result in even higher costs. Drivers in Abilene with a speeding ticket on their record pay an average of $214 a month for car insurance.

Here’s how insurance quotes can increase among insurance companies when you get a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: State Farm

In 2022, Abilene reported more than 2,000 motor vehicle crashes.^[5] Like speeding tickets, at-fault accidents also affect the cost of your car insurance. Drivers with one or more at-fault accidents are often deemed a higher risk to insure, resulting in higher insurance costs.

The average cost of car insurance for drivers in Abilene with an at-fault record is $227 a month, but you may be able to find cheaper rates if you shop around and commit to driving safely.

Here’s a look at how average quotes compare for drivers with a clean record versus an at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

Drivers in Abilene with past DUIs also pay higher car insurance rates. Insurance companies view drivers with DUIs on their records as high-risk and more likely to cause accidents and file claims. Abilene drivers with DUIs on their driving records pay an average of $257 a month for car insurance.

Here’s how insurance quotes compare with a clean driving record versus with a DUI.

Cheapest car insurance for seniors: State Farm

Insurance rates are generally the lowest for drivers ages 35 to 75. While drivers in their 30s and 40s tend to pay the cheapest rates, senior drivers pay a little bit more because of their increased mortality rates and decreased physical capabilities.^[6] The average cost of car insurance for Abilene senior drivers is $107 a month.

Here are the cheapest car insurance companies for senior drivers in Abilene.

Cheapest car insurance for teens: GEICO

Insurance rates for young drivers skew much higher than those for adults. That’s because auto insurers view teens’ inexperience on the road as a potential risk. Teen drivers in Abilene pay an average of $257 a month for car insurance.

Here are a few things you can do if you’re a teen driver seeking affordable car insurance in Abilene:

• Stay on your parents’ insurance. Car insurance coverage is often less expensive if you stay on your parents’ insurance rather than purchasing your own policy.

• Drive an older, reliable car. Choosing a safe, older car is another way to keep your costs down, as many car insurance companies offer lower insurance rates when vehicles have certain safety features and are lower in value.

• Get good grades. Many insurers offer good student discounts if you maintain good grades.

Here are some of the most affordable car insurance options in Abilene for teen drivers.

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Teen drivers pay an average of $159 for a liability policy

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Abilene car insurance quotes by credit tier

Insurance companies in Texas can consider your credit history when determining your insurance rates.^[2] Drivers with excellent or good credit scores generally pay lower car insurance rates than drivers with poor credit scores, though insurers in Texas are prohibited from relying solely on your credit to determine costs.

Here are the average car insurance costs in Abilene, based on credit tier.

Is car insurance more expensive in Abilene?

Texas has relatively high auto insurance rates compared to the national average. But coverage is relatively affordable in Abilene compared to the rest of the state. It costs an average of $185 a month to insure a car in Texas, but only $150 per month on average in Abilene.

Insurance rates can vary within ZIP codes based on a city’s population, population density, crime rate, and other factors. Because Abilene is a smaller town far from major metropolitan areas, it tends to have cheaper car insurance rates than other cities.

More cities in Texas

Here’s how the average cost of car insurance in Abilene compares to costs in other Texas cities.

Abilene car insurance FAQs