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Car Insurance in Killeen

Illustration of van driving by Freeway Insurance headquarters

Killeen, Texas, was ranked one of the best places to live in Texas by US News and World Report in 2019. But you’re going to need good car insurance in Killeen if you want to experience everything this town has to offer.

That’s because you will have to hop in your car to really check Killeen out. This includes taking family trips to the Vive Les Arts Theatre, the Lions Club Aquatics Park, or just the local mall. But every driver needs good car insurance to protect themselves and their families on the road, and we’ve got the breakdown of everything you need to know about car insurance in Killeen!

Quick Facts

  • The average cost of car insurance in Killeen is $114.87.
  • In 2019, there were 10 traffic-related fatalities in the city.

How Much Is Car Insurance in Killeen?

As a driver in Killeen, Texas, you need good car insurance. But how much can you expect to pay?

The average cost of car insurance in Killeen is $114.87. This is a little cheaper than the Texas average cost of $116.65 and it is much cheaper than the national average cost of car insurance, which is $135.11.

To help you get a better idea of how Killeen compares to other cities, we have a breakdown of average car insurance prices by city below.

City Average Cost of Car Insurance
Austin $113.64
Dallas $118.69
El Paso $107.46
Houston $137.98
Killeen $113.32
San Antonio $119.24

Killeen Car Insurance Rates by Zip Code

Now you know that different cities through Texas all have different car insurance prices. But did you know that even moving to a new part of Killeen may affect how much you pay?

That’s right: Your specific zip code is a factor that partially determines the cost of your car insurance premium. Below, we have a breakdown of different Killeen zip codes and the average cost of car insurance in each area.

Zip Code Average Car Insurance Rate
76540 $123.43
76541 $95.00
76542 $107.78
76543 $102.07
76544 $165.22
76547 $163.92
76549 $112.40

Killeen Car Insurance Rates by Age

Location is one of the major factors car insurance carriers use to set your premium. However, when it comes to location, you can always change that if you want to. But another factor that affects your price is something you can’t change: your age!

You will pay different car insurance prices in Killeen over the years based on your age. The good news, though, is that your rate mostly goes down over time as you grow out of those expensive teenage years.

Age Average Car Insurance Rate
Teenagers $230.51
20s $140.15
30s $88.19
40s $82.86
50s $70.49
60s $80.68
70s $101.10

Driving Conditions in Killeen

How Many Fatal Accidents Happen in Killeen?

Part of why both car and life insurance are so important is because you never know how dangerous driving may be. So, just how dangerous is it to drive in Killeen?

In 2019, there were 10 traffic-related fatalities in eight fatal accidents.

How Are the Road Infrastructure and Bridges in Killeen?

For the most part, the road infrastructure in Killeen, Texas, is very solid. One of the city’s more recent problems has been a series of potholes that came from a winter storm in early 2021. However, the City Council approved a $5.8 million bid to clear up the damage a few months later. Killeen is once again safe and easy to drive around in!

Get a Quote for Car Insurance in Texas Today!

Minimum Car Insurance Requirements in Killeen

Everyone has a different idea of how much car insurance they really need. However, every state mandates a certain minimum level of coverage every driver must have.

So, what is the minimum car insurance you need to drive around Killeen? You need liability car insurance in the following amounts:

Minimum car insurance requirements:

  • $30,000 for injury/death to one person
  • $60,000 for injury/death to more than one person
  • $25,000 for property damage

Keep in mind that we always recommend drivers get more than the minimum car insurance. This will offer you and your car better protection in the event of an accident.

Factors Allowed in Killeen Car Insurance Rates

We’ve touched on some of the major factors insurance carriers use to determine the cost of your premium, including your age and your location. At this point, you may be asking a simple question: What are the other factors your insurance carrier is looking at?

The exact factors can differ by state. In Texas, insurance companies are allowed to look at the following:

  • Age
  • Zip code
  • Education & occupation
  • Marital status
  • Credit score
  • Gender

Discounts for Car Insurance in Killeen

Want to save money on car insurance? One of the most direct ways to do so is to ask your insurance company about any special discounts they offer.

Every car insurance carrier has discounts for certain driver behaviors. Below, we have a list of some common discounts you can expect insurance carriers in Killeen to offer:

  • Graphic of a man driving a car

    Good driver discounts

  • Money graphic to represent saving money

    Customer loyalty discounts

  • Blue icon of a graduation cap

    Good student discounts

  • Pink icon of a thief

    Safety features and anti-theft systems

In all likelihood, your insurance company has plenty more discounts. But you won’t know what these discounts are until you contact them and ask!

What Are the Penalties for Driving Without Insurance in Killeen?

Every state has specific penalties for drivers who drive without car insurance. Those penalties are relatively mild in Texas, but it is still important for every driver to observe the laws regarding minimum car insurance.

What are the penalties for driving without insurance in Killeen? For the first offense, you pay a fine between $175 and $350. For the second offense, the fine is between $350 to $1,000. Repeat offenses may also result in your license being suspended and your car being impounded.

Should you cause an accident without car insurance, you’ll end up paying far more in damages because you don’t have liability insurance as a buffer!

Get a Killeen Car Insurance Quote Today!

Killeen Texas USA on a map
Now you know just about everything regarding car insurance in Killeen. But there is one more thing you need to know: where to find the best car insurance today!

Here at Freeway Insurance, we’d be thrilled to get you started with a quote online. If you’d rather visit in person, you can always come to one of our local Killeen offices. Remember that you can always call us at (800) 777-5620 for a quote today!