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In this article, we share our top picks for cheap car insurance in Killeen, TX, using our review team’s 12 best car insurance companies of 2021 research as a guide. We also discuss other important factors you need to know about car insurance in Killeen, TX, including the minimum state requirements and estimated coverage costs.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool above to start comparing free car insurance quotes. Or, for an easier process, call (844) 246-8209 to speak to Motor1’s designated quotes team.

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Best Cheap Car Insurance: Killeen, TX

To find the best car insurance in Killeen, TX, we went through our list of top car insurance providers and re-examined all companies in light of Texas state laws, regional satisfaction scores, and average rates for Texas drivers. The five companies below stood out as the best:

Best Killeen Car InsuranceOur Overall RatingCustomer ServiceAffordabilityCoverage
1. Geico Car Insurance4.64.54.74.3
2. USAA Car Insurance4.84.754.8
3. Texas Farm Bureau44.54.54.5
4. Progressive Insurance4.64.14.74.5
5. State Farm Insurance4.64.64.54.5

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for car insurance in Killeen, TX.

Geico: Best Overall For Car Insurance In Killeen, TX

Geico is one of the largest insurance companies in the U.S. and our top pick for cheap car insurance in Killeen, TX. As a part of national holding company Berkshire Hathaway, Geico wrote over $34 billion in premiums in 2019, according to the National Association of Insurance Commissioners (NAIC).

Geico received a 4.6-star rating from our review team for its strong financial strength, availability, and cost. The company also holds an A++ rating from AM Best, which means Geico is well-suited to pay claims to its members.

Geico Coverage

Geico offers several standard types of car insurance coverage, including:

  • Liability: Pays for bodily injury and/or property damage caused by accident
  • Medical payments: Pays for medical expenses, medical treatment, lost wages, and more
  • Uninsured motorist: Pays for injuries or property damage caused by a driver without insurance
  • Collision: Pays for damage to your car when it hits, or is hit by, another vehicle or object
  • Comprehensive: Pays for damage related to natural disasters or theft
  • Personal injury protection: Covers lost wages and some other services, like childcare

With Geico, you can also get coverage like roadside assistance, rental car reimbursement, and mechanical breakdown insurance.

Geico Cost

According to U.S. News & World Report, the average Geico policyholder pays about $97 per month, which is cheaper than most other insurance companies. In comparison, the average car insurance payment across all companies is about $130 per month. Geico ranked second in the U.S. News & World Report list of the cheapest car insurance companies.

Pros Many choices for coverage High level of customer satisfaction Superior financial strength rating from AM Best and A+ rating from the BBB Available in 50 states
Cons Average quotes process Usage-based app not available in all states

To learn more about the car insurance provider, check out our Geico auto insurance review.

USAA: Best For Military In Killeen, TX

For those who serve or have served in the military, USAA is an outstanding option. Based in San Antonio, Texas, USAA has more than 12.8 million members across the United States.

USAA received a 4.8-star rating from our review team for its excellent claims servicing, availability, and cost. Like Geico, USAA holds an A++ AM Best rating, the highest possible rating of financial stability.

USAA is cheaper than Geico, but we rated USAA as our second choice for car insurance in Killeen, TX because of its restriction to military members and their families.

USAA Coverage

USAA offers all of the same standard coverages as Geico, as well as a few additional options:

  • Roadside assistance: Roadside assistance covers lockout services, spare tire installation, fuel delivery, and towing.
  • Rental reimbursement: Rental reimbursement pays for a rental car after a covered claim.
  • Accident forgiveness: Accident forgiveness keeps your rates the same after one accident.
  • Total loss protection: Total loss protection covers the difference between the value of your car and what you have left to pay on your loan.

USAA Cost

Like Geico, USAA is very affordable. The company was rated as the cheapest car insurance company in 2020 by U.S. News & World Report. The average monthly rate for a USAA membership is $73.75 per month, which is significantly lower than the average car payment of $130 per month.

Pros Affordable rates and numerous discounts Good choice for military service members Superior AM Best financial strength rating and A+ rating from the BBB Nationwide availability
Cons Only available to the military and their families No ongoing veterans discount

To learn more about the car insurance provider, check out our USAA insurance review.

Texas Farm Bureau: Best Local Service In Killeen, TX

Texas Farm Bureau is one of the largest insurance providers in Texas, with over 250 offices statewide. While you must be a member of the Farm Bureau to purchase a Texas Farm Bureau policy, this insurer offers some of the lowest rates in the state.

With an “Excellent” financial strength rating from AM Best, Texas Farm Bureau is one of the top options for car insurance in Killeen, TX. Texas drivers rate the company highly, and it earned the top spot in the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM for the state of Texas.

Texas Farm Bureau Coverage

Texas Farm Bureau offers all standard types of auto insurance as well as health insurance policies, which can be bundled with your auto plan.

Texas Farm Bureau Cost Cost

Our research indicates that Texas Farm Bureau offers some of the lowest average rates in the state of Texas. Of course, rates will vary from driver to driver. Be aware that in addition to your annual premium, you must purchase a Texas Farm Bureau membership, which costs residents of Killeen $45 per year.

Pros Offers some of the lowest rates in the state A+ rating from the BBB Excellent financial standing Comprehensive coverage Discounts available Easy claims process
Cons Must be a Farm Bureau member to get coverage Mixed customer service reviews

To learn more about the car insurance provider, check out our Texas Farm Bureau review.

Progressive

Progressive is the third-largest insurer in the U.S. and a good option for Texas drivers. While it may offer higher-than-average rates for some drivers, Progressive tends to offer the best prices for those with a poor driving record or a DUI in their history.

In addition to scoring well in the J.D. Power Satisfaction Study for the state of Texas, Progressive has an A+ financial strength rating from AM Best.

Progressive Coverage

In addition to standard auto insurance coverage, Progressive drivers can also purchase:

  • Roadside assistance: Roadside assistance covers lockout services, spare tire installation, fuel delivery, and towing.
  • Loan/lease payoff: This coverage will help pay the difference between your totaled car’s market value and the amount you have left on your car loan or lease. Unlike guaranteed asset protection, this policy only covers up to 25 percent of the current value of your car.
  • Rental reimbursement: Rental reimbursement pays for a rental car after a covered claim.
  • Custom parts and equipment value: This coverage pays to replace custom equipment that you add to your car, such as stereos.
  • Rideshare coverage: Rideshare coverage is necessary if you use your car for a rideshare application like Uber or Lyft.

Progressive Cost

On average, Progressive drivers pay around $137 per month, though your own premiums may vary. In addition to taking advantage of Progressive discounts, customers can save by using the Progressive deductible savings bank feature, which reduces your deductible by $50 for every six months you drive without an accident or a ticket. This can reduce your deductible all the way down to $0.

Pros Affordable Good choice for high-risk drivers Superior financial strength rating Several money-saving features and easy quote process Offers small and large accident forgiveness, rental reimbursement, roadside assistance, and more
Cons Does not offer military discount Mixed customer service reviews Higher rates than some competitors

To learn more about the car insurance provider, check out our Progressive insurance review.

State Farm

State Farm insures over 83 million drivers across the U.S. and has a strong reputation for customer service. The insurer is rated A+ by the BBB and has a “Superior” financial strength rating from AM Best.

While State Farm policies can be more expensive for some drivers, there are still plenty of ways to save with a State Farm policy, including accident forgiveness and usage-based insurance options.

State Farm Coverage

Like each of the providers on this list, State Farm offers every standard type of auto insurance. Additionally, State Farm customers can also purchase:

  • Rental and travel expense coverage: This coverage pays for a rental car while your vehicle undergoes covered repairs. This coverage will also pay for travel expenses if you experience a covered accident more than 50 miles from your destination.
  • Rideshare coverage: Rideshare coverage is necessary for drivers that use their vehicles for a rideshare service like Uber or Lyft.
  • Roadside assistance: This add-on includes one hour of labor for jump-starts, towing, fluid delivery, tire changes, and lockout services.

State Farm Cost

State Farm offers a number of discounts for safe driving, customer loyalty, and vehicle safety features. Additionally, customers can save up to 30 percent on premiums by using the Drive Safe & SaveTM usage-based insurance app.

Pros Largest auto insurer in the country, available in 48 states Many discounts for teens and students Superior financial strength rating and A+ rating from the BBB
Cons Higher rates than some competitors Average customer experience Not taking new customers in Massachusetts or Rhode Island

To learn more about the car insurance provider, check out our State Farm insurance review.

If you are interested to learn more about how some of these insurance companies stack up against each other, check out our comparisons of:

Texas Car Insurance Requirements

Texas law requires drivers in the state to own a minimum level of liability car insurance. The required state minimums are 30/60/25 coverage, which breaks down as follows:

Insurance TypeRequired Coverage Amount in Texas
Bodily Injury Liability$30,000 per person and $60,000 per accident
Property Damage Liability$25,000 per accident
Personal Injury ProtectionState requires that providers offer at least $2,500
Uninsured Motorist Bodily InjuryState requires that providers offer at least $30,000 per person and $60,000 per accident
Uninsured Motorist Property DamageState requires that providers offer at least $25,000 with a $250 deductible
Collision and ComprehensiveNo state minimum

If you get in an accident and it is your fault, the state’s minimum level of car insurance will help cover:

  • The other driver’s car
  • Other damaged property (house, fence, etc.)
  • Other parties’ medical expenses

In addition to auto liability insurance, if you still owe money on your car, your lender will also require you to have collision and comprehensive coverage. Collision coverage pays to repair or replace your own vehicle after an accident, and comprehensive coverage pays if your car is stolen or damaged by a natural disaster or theft.

Most policies cover you, your family, and people driving your car with your permission. That being said, it is a wise idea to read your policy so that you know exactly who your policy covers and if anyone is excluded from coverage.

What Is The Average Cost Of Car Insurance In Texas?

Compared to the national average, car insurance in Texas is slightly more expensive. According to the NAIC, the cost of Texas car insurance was $1,096.82 in 2017, while the national average was $1,004.68. Here’s a breakdown of the coverage costs that year:

Type of CoverageAverage Annual Expenditure in Texas
Liability coverage$631.22
Collision coverage$430.54
Comprehensive coverage$234.17
Total cost*$1,096.82

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Final Thoughts On Car Insurance: Killeen, TX

Both Geico and USAA are excellent insurance providers. If you qualify for USAA, this provider may offer you a cheaper insurance policy than Geico.

We also recommend that you get free quotes from both USAA and Geico before making a decision. Enter your zip code in the tool below to start comparing car insurance quotes in Killeen, TX. Or call Motor’s designated quotes team at (844) 246-8209 for free quotes.

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Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.