Our guide to the most affordable providers in Killeen, Texas.

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Texas car insurance is required for all drivers and can be very expensive. It is important to find a provider that is both affordable and also provides comprehensive coverage options.

In this article, we share our top picks for cheap car insurance in Killeen, T.X., using our review team’s 12 best car insurance companies of 2020 research as a guide. We also discuss other important factors you need to know about car insurance in Killeen, T.X., including the minimum state requirements and estimated cost.

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 below to start comparing car insurance quotes. Or, for an easier process, call (855) 518-0148 to speak to Motor1's designated quotes team.

 

In This Article:

Best Cheap Car Insurance: Killeen, T.X.

To find the best car insurance in Killeen, T.X. we went through our list of top car insurance providers and re-examined all companies in light of Texas state laws and guidelines. These two companies stood out as the best:

Best Killeen Car Insurance Our Overall Rating Customer Service Affordability Coverage

1. Geico Car Insurance

4.5

4.0

4.0

4.0

2. USAA Car Insurance

5.0

5.0

4.5

4.5

 

*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, T.X.

 


 

Geico Insurance logo

Geico: Best Overall For Car Insurance In Killeen, T.X.

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 $33 billion in premiums in 2019, according to the National Association of Insurance Commissioners.

Geico received a 4.5-star rating by our review team for its strong financial strength, availability, and cost. The company also holds an A++ rating from AM Best, which means that 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

Our research on Geico suggests that its message on cost savings found in its funny commercials is true. 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 is about $130 per month. Geico ranked second in the U.S. News & World Report list of the cheapest car insurance companies.

Pros Cons

Affordability

Average quote experience

Second largest company in the nation

 

Good for students

 

Good for military

 

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

 


 

USAA Insurance logo

 

USAA: Best For Military In Killeen, T.X.

For those who serve or have served in the military and their families, USAA is an outstanding option. Based in San Antonio, USAA stands for United Services Automobile Association and has more than 12.8 million members.

USAA received a 5.0-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 Cons

Affordability

Only available for military families

Excellent customer service

 

High number of coverage options

 

Good for military families

 

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

If you are interested to learn more about how the insurance companies compare to each other, check out our review of Geico vs USAA car insurance for more details.

 


 

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.

Insurance Type Required Coverage Amount in Texas
Bodily Injury Liability $30,000 per person and $60,000 per accident
Property Damage Liability $25,000 per accident
Optional
Personal Injury Protection State requires that providers offer at least $2,500
Uninsured Motorist Bodily Injury State requires that providers offer at least $30,000/person and $60,000/accident
Uninsured Motorist Property Damage State requires that providers offer at least $25,000 with a $250 deductible
Collision and Comprehensive No 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 people’s 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 can seem expensive. According to the National Association of Insurance Commissioners (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 based on data from the Insurance Information Institute:

Type of Coverage Average Annual Expenditure in 2017
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.

 


 

Conclusion On Car Insurance: Killeen, T.X.

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 (855) 518-0148 for free quotes.