120+ more*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in Killeen pay an average of $104 per month for state-minimum liability coverage and $197 per month for full coverage. Both full coverage and liability rates in Killeen are lower than Texas’s average car insurance rates.
Killeen’s suburban location means drivers pay lower rates than drivers in nearby Austin. In this densely populated city, average car insurance premiums climb to $125 per month for liability coverage and $214 per month for full coverage.
But car insurance is less expensive across the state in Texarkana, which has less than a quarter of Killeen’s population. There, drivers pay an average of $100 per month for liability coverage and $168 per month for full coverage.
Killeen’s proximity to Fort Hood, steady traffic along Interstate 14/U.S. 190, and central Texas’s risk of flooding, wildfires, and ice storms all influence premiums.[1]
Killeen drivers looking for the lowest-cost car insurance may opt for liability-only coverage. It covers the other driver’s medical bills and car repair costs if you cause an accident, but it doesn’t pay for damage to your vehicle. On average, liability coverage costs $104 per month in Killeen.
Texas requires all drivers to have at least 30/60/25 coverage. That means:[2]
$30,000 of bodily injury liability per person
$60,000 of bodily injury liability per accident
$25,000 of property damage liability
The table below shows the cheapest insurance companies for liability-only car insurance in Killeen.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $49 |
| Allstate | $69 |
| Mile Auto | $70 |
| Progressive | $73 |
| GEICO | $79 |
| USAA | $87 |
| Mercury | $97 |
| First Acceptance | $102 |
| The General | $102 |
| Alinsco | $106 |
| Freedom National | $108 |
| Lone Star | $108 |
| Nationwide | $109 |
| Dairyland | $111 |
| Commonwealth Casualty | $112 |
| GAINSCO | $114 |
| Clearcover | $115 |
| Root | $115 |
| Bristol West | $116 |
| Mendota | $118 |
| Covercube | $119 |
| AssuranceAmerica | $124 |
| Safeco | $130 |
| Direct Auto | $131 |
| Sun Coast | $131 |
| National General | $133 |
| Loop | $136 |
| Elephant | $138 |
| Chubb | $147 |
| Trexis One | $149 |
| 21st Century | $170 |
| Liberty Mutual | $210 |
Liability quotes in Killeen start at $49/mo.
Full-coverage car insurance includes liability as well as comprehensive and collision coverage.
If you’re a Killeen driver with a new or high-value vehicle, buying full-coverage car insurance is a good idea. It helps protect you financially from risks like the hailstorms common in Central Texas, deer collisions, and accidents in heavy traffic along Interstate 14.
Full-coverage car insurance in Killeen averages $197 per month, which is lower than the Texas average of $208 per month.
The table below shows the car insurance companies offering the lowest average rates for full-coverage car insurance in Killeen.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $99 |
| Allstate | $139 |
| Progressive | $140 |
| Mile Auto | $154 |
| Mercury | $161 |
| GEICO | $173 |
| USAA | $176 |
| Root | $197 |
| Safeco | $199 |
| Clearcover | $207 |
| Alinsco | $213 |
| Direct Auto | $213 |
| Elephant | $220 |
| Nationwide | $221 |
| GAINSCO | $228 |
| National General | $228 |
| Bristol West | $231 |
| The General | $239 |
| Mendota | $240 |
| AssuranceAmerica | $247 |
| First Acceptance | $255 |
| Commonwealth Casualty | $257 |
| Loop | $260 |
| Sun Coast | $262 |
| Lone Star | $264 |
| Dairyland | $279 |
| Covercube | $286 |
| Freedom National | $291 |
| Chubb | $298 |
| Liberty Mutual | $314 |
| Trexis One | $317 |
| 21st Century | $344 |
Average car insurance rates vary widely across Texas. Dallas and Houston drivers typically pay the most expensive rates. Smaller cities like Cleburne and Texarkana tend to have the lowest average premiums.
Killeen’s average full-coverage rate is less than neighboring Austin’s average of $214 per month. That’s partly because Killeen has less traffic congestion than the Austin metro area and a lower vehicle theft rate. You’re roughly 10 times more likely to have your vehicle stolen in Austin than in Killeen.[3]
The table below compares average car insurance costs across several cities in Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $131 |
| Amarillo | $158 |
| Arlington | $171 |
| Austin | $170 |
| Beaumont | $181 |
| Brownsville | $165 |
| Corpus Christi | $170 |
| Dallas | $187 |
| Denton | $161 |
| El Paso | $144 |
| Fort Worth | $164 |
| Galveston | $167 |
| Garland | $187 |
| Grand Prairie | $177 |
| Houston | $222 |
| Huntsville | $156 |
| Irving | $176 |
| Killeen | $151 |
| Laredo | $159 |
| Lubbock | $154 |
| McAllen | $175 |
| Mesquite | $187 |
| Midland | $152 |
| Odessa | $166 |
| Plano | $167 |
| San Antonio | $173 |
| San Marcos | $163 |
*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Killeen, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record also plays a role in how much you pay for car insurance in Killeen. In Texas, insurance companies use your history of accidents, tickets, and other violations to estimate risk.
The companies below have the cheapest rates for Killeen drivers with various driving histories.[4]
Cheapest car insurance for Killeen drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Killeen: State Farm
Cheapest car insurance for Killeen drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Killeen: State Farm
Killeen drivers with a recent ticket or accident can still find affordable coverage, but premiums may be higher because Texas has an at-fault insurance system. That means the driver responsible for the crash typically pays for damage through their liability insurance.
Killeen drivers tend to have more tickets than drivers in other parts of the state. According to Insurify data, 4.78% of Killeen drivers have at least one ticket, compared to the statewide average of 3%.
Killeen drivers with an incident on their record pay an average of $179 per month for coverage.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $151 |
| Speeding ticket | $188 |
| At-fault accident | $198 |
| DUI | $207 |
In 2024, U.S. News & World Report listed Killeen as the second fastest-growing place in the U.S. for the second consecutive year. While the city didn’t make the list in 2025, it’s still a popular place to live thanks to Fort Hood, a low cost of living, and its proximity to Dallas and Austin.
Killeen is a car-dependent city, and its infrastructure reflects that. You’ll need a car for most errands and commutes, so city planners prioritize improvements to major routes like Stan Schlueter Loop and Trimmier Road to handle steady traffic.
Unlike some larger metro areas, Killeen doesn’t have toll roads, which helps keep commuting costs predictable. Parking is generally easy to find, with wide lots at shopping centers, medical offices, and other businesses throughout the city.
Congestion tends to build around Veterans Memorial Boulevard and busy local roads like Trimmier Road and Stan Schlueter Loop during morning and evening commutes.
The average Killeen commute is just 18 minutes, according to the Texas A&M Transportation Institute. But traffic may be heavier when soldiers travel to and from Fort Hood during shift changes or base events.
These patterns raise the likelihood of fender benders and multi-vehicle crashes, and insurance companies factor them into local premium calculations.
Even with Texas’s graduated driver license law, Texas leads the nation for traffic fatalities in crashes involving young drivers.[5]
Because of this increased risk, Killeen families with teen drivers in the home typically pay more for auto insurance coverage.
State Farm offers the cheapest rates for teen drivers in Killeen, with premiums of $99 per month.
The table below shows the cheapest average rates for teen drivers in Killeen.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $99 |
| Allstate | $142 |
| Progressive | $144 |
| GEICO | $147 |
| Mile Auto | $150 |
| USAA | $168 |
| Mercury | $187 |
| The General | $187 |
| Clearcover | $198 |
| Dairyland | $199 |
| First Acceptance | $201 |
| Root | $208 |
| Alinsco | $209 |
| Freedom National | $213 |
| Lone Star | $213 |
| Bristol West | $216 |
| Commonwealth Casualty | $217 |
| GAINSCO | $217 |
| Nationwide | $222 |
| Mendota | $233 |
| Covercube | $235 |
| Elephant | $255 |
| Sun Coast | $258 |
| Direct Auto | $262 |
| AssuranceAmerica | $267 |
| Loop | $268 |
| Safeco | $272 |
| National General | $280 |
| Trexis One | $294 |
| Chubb | $316 |
| 21st Century | $320 |
| Liberty Mutual | $387 |
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Less than 20% of Killeen residents are 60 or older, but the city has a significant population of military retirees who remain in the area after serving at Fort Hood.
State Farm offers the lowest rates for senior drivers in Killeen, though premiums still vary based on driving history and chosen coverage.
Because of a strong military presence, USAA is worth considering for eligible seniors.
The table below shows the cheapest rates for senior drivers in Killeen.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $38 |
| Mile Auto | $54 |
| Allstate | $56 |
| GEICO | $62 |
| Progressive | $62 |
| USAA | $70 |
| Mercury | $77 |
| Nationwide | $83 |
| The General | $85 |
| First Acceptance | $87 |
| Alinsco | $90 |
| Commonwealth Casualty | $90 |
| Freedom National | $92 |
| Lone Star | $92 |
| Dairyland | $93 |
| Root | $95 |
| AssuranceAmerica | $96 |
| Bristol West | $96 |
| GAINSCO | $96 |
| Clearcover | $100 |
| Mendota | $100 |
| Covercube | $101 |
| National General | $104 |
| Direct Auto | $105 |
| Chubb | $110 |
| Sun Coast | $111 |
| Elephant | $113 |
| Safeco | $113 |
| Loop | $116 |
| Trexis One | $127 |
| 21st Century | $133 |
| Liberty Mutual | $174 |
Car insurance rates in Killeen depend on factors like coverage level, driving history, and local risks like severe weather, crime rates, and traffic patterns. The answers below cover some common questions drivers ask when looking for the right coverage in the area.
Killeen drivers pay an average of $104 per month for liability-only coverage and $197 for full coverage, Insurify data shows. Rates in Killeen are lower than in large metro areas like Austin or Dallas, but slightly higher than in smaller Texas cities due to local traffic and weather risks.
The cheapest insurance company in Killeen varies depending on your driving record, age, and coverage needs. State Farm offers the lowest average rates, at $49 per month, but you may want to compare quotes from several insurance companies to find the cheapest coverage for you.
Texas requires drivers to carry liability coverage with limits of at least 30/60/25. This means $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for property damage liability.
In Texas, insurance companies consider your age, driving history, credit history, and coverage options when setting premiums. Local factors like dense traffic, an increase in crime rates, and frequent severe weather events can make it more expensive to insure a vehicle in Killeen.[6]
You can find the best rates in Killeen by comparing quotes from multiple insurance companies, bundling your homeowners insurance or renters insurance with your auto insurance policy, increasing your deductibles, and maintaining a clean driving record.
It’s also a good idea to ask your insurance agent about potential insurance discounts, like discounts for paying in full or installing an anti-theft device.[7]
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Featured in
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves yoga and knitting.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in