Cheapest Car Insurance Quotes In Abilene, TX For 2024

Allstate is the most affordable choice in Abilene, offering an average monthly rate of $20.

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Updated: 31 March 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Abilene, Texas, there are numerous options to consider. However, one company, Allstate, stands out for its competitive pricing. On average, residents can obtain car insurance for approximately $20 per month, significantly below the state’s average of $125.

For individuals interested in the most economical liability-only coverage, Allstate is the top choice. On the other hand, those in need of more extensive protection may find that State Farm offers the best rates for full coverage policies, priced at $45 monthly. Additionally, State Farm provides the most affordable rates for young drivers, starting at $145 per month.

Cheapest Car Insurance Companies In Abilene, TX

Cheapest Car Insurance, Abilene, TX

Our Methodology

Utilizing a broad analysis covering diverse aspects such as customer service evaluations, product offerings, pricing structures, and extensive assessments of numerous online review platforms and user feedback, I have developed a comprehensive understanding of the car insurance provider landscape in Abilene, Texas. This perspective is well-informed, refined through more than 15 years of active engagement in the industry as a licensed insurance agent. It encompasses numerous interactions with representatives from different companies and insights gained from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Abilene, TX?

Allstate provides the most affordable car insurance in Abilene, TX. You can get coverage for your car for just $105 per month. Compared to the average rates in Texas and the entire United States, Allstate’s rates are significantly lower, as illustrated in the table below.

Area Average Monthly Rate
National $143
Texas $125
Abilene, TX $105

Keep in mind that the average national cost factors in both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can differ depending on various factors including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Abilene For Teenagers

Young drivers in Abilene can discover the most affordable quotes from Nationwide, with average monthly premiums of $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Car insurance premiums for teenage drivers are typically the highest, mainly because of their lack of experience on the road. Insurance companies view young drivers as high-risk because they statistically have a higher likelihood of getting into accidents and receiving traffic violations.

Cheapest Car Insurance Rates In Abilene For Full Coverage

State Farm offers the most affordable rates for full coverage car insurance. On average, their quotes amount to $45 per month in Abilene.

Provider Average Monthly Cost Average Annual Cost
Progressive $109 $1,302
GEICO $65 $778
Mercury $69 $825
Allstate $58 $695
State Farm $45 $538

Full coverage car insurance provides comprehensive protection that extends beyond the basic coverage required by law. It typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters. Collision coverage, on the other hand, offers financial security for vehicle damages resulting from accidents, regardless of who is at fault.

Cheapest Car Insurance Rates In Abilene For Young Adults

State Farm provides the most affordable quotes for young adults in Abilene, with rates averaging around $145 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $145 $1,740
Nationwide $175 $2,100
Mercury $210 $2,520
Allstate $264 $3,119
Travelers $278 $3,214

In Texas, young adult drivers usually enjoy lower car insurance rates compared to teenagers. This difference in pricing is because as drivers mature, their driving habits tend to improve, resulting in fewer risky behaviors.

Statistically, young adults are less prone to file claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Abilene For Minimum Coverage

Allstate offers the most affordable car insurance for minimum coverage in Abilene, with an average monthly cost of $20.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $40 $487
Allstate $20 $252
State Farm $22 $258
Texas Farm Bureau $23 $276

In Texas, a minimum car insurance policy should include at least the following coverage:

  • $25,000 property damage liability per accident
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident

Having minimum car insurance offers some protection while driving, but it lacks collision or comprehensive coverage. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Driving without insurance is illegal in Texas. Failing to show proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Abilene For Seniors

Texas Farm Bureau offers the most affordable car insurance rates for seniors in Abilene, with average quotes at $38 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $38 $456
GEICO $62 $744
State Farm $47 $564
Mercury $70 $840
Allstate $55 $660

In Texas, many seniors may benefit from advantageous car insurance rates, influenced by various factors. While age is often considered in insurance rate calculations, and older age may be associated with reduced driving ability in some cases, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Abilene For Good Drivers

In Abilene, good drivers can discover the most affordable car insurance quotes with Allstate, typically around $20 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $40 $487
Allstate $20 $252
State Farm $22 $258
Texas Farm Bureau $23 $276

Drivers with clean driving records in Abilene usually receive lower car insurance rates because they are seen as lower risk. Insurance companies use driving records to assess how safely someone drives. Fewer incidents such as accidents or traffic violations indicate that the driver is careful and less likely to file a claim.

Insurance rates are based on the likelihood of a driver making a claim. A clean driving record can lead to substantial savings on premiums because it suggests lower risk. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Abilene For Drivers With Prior Incidents

In Abilene, drivers with records of traffic violations, including accidents, speeding tickets, or DUIs, frequently encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk, indicating a higher likelihood of filing future insurance claims.

As a result, insurance providers raise their rates for these individuals to offset the risk of facing higher claim payouts.

Cheapest Car Insurance Rates In Abilene For Drivers With A Speeding Ticket

Compared to other companies, State Farm offers very affordable rates, with average monthly premiums at $47.

Provider Average Monthly Cost Average Annual Cost
State Farm $47 $590
Mercury $100 $1,208
Geico $79 $964
Allstate $64 $776
Progressive $140 $1,703

Cheapest Car Insurance Rates In Abilene For Drivers With An At-Fault Accident

State Farm provides the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging around $59 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $59 $731
Chubb $160 $1,954
GEICO $93 $1,135
Progressive $175 $2,126
Allstate $100 $1,209

Cheapest Car Insurance Rates In Abilene For Drivers After A DUI

For drivers in Abilene who have had a DUI, State Farm offers the most competitive rates, with average monthly premiums of $87.

Provider Average Monthly Cost Average Annual Cost
State Farm $87 $1,070
Chubb $213 $2,561
Progressive $128 $1,565
Geico $113 $1,372
Allstate $104 $1,275

Best Car Insurance Companies In Abilene

In Abilene, selecting the right car insurance company involves finding both affordable rates and reliable protection on the road. Below are the top 10 car insurance companies in Abilene, TX, ranked by the average monthly rate they offer.

Company Monthly Premium
Texas Farm Bureau $78
Clearcover $150
USAA $117
Direct Auto $85
Mercury $115
Kemper $147
SafeAuto $127
State Farm $97
Mercury $147
Nationwide $140

Average Car Insurance Rates By Age In Abilene

Age Average Yearly Rate
Teenagers $2,912
20s $1,992
30s $1,236
40s $1,176
50s $1,080
60s $960
70s $1,212

Age significantly influences car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher chances of accidents and traffic violations. As drivers hit the age of 25, their rates generally begin to decline, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies consider age as a measure of driving experience and risk, which impacts the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Abilene

Vehicle Average Monthly Rate
Jeep Renegade $248
Chevrolet Impala $72
Kia Optima $67
Dodge Dakota $70
Hyundai Sonata $312

The type of vehicle you drive plays a significant role in determining your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may have lower premiums. Insurers take these factors into account because they directly affect the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Sherman $108
Beaumont $127
Arlington $130
Laredo $150
El Paso $122
Fort Worth $123
Baytown $140
Irving $135
Alpine $118

The city where you live greatly influences your car insurance rates. Insurance companies evaluate several factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Abilene?

In Abilene, the lowest car insurance rates are provided by Allstate for the minimum coverage required by the State of Texas, and by State Farm for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Abilene?

The average cost of car insurance in Abilene is approximately $105 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other variables.

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