{"id":11939,"date":"2025-03-06T09:16:39","date_gmt":"2025-03-06T17:16:39","guid":{"rendered":"https:\/\/www.insureone.com\/?page_id=11939"},"modified":"2025-08-15T16:21:58","modified_gmt":"2025-08-15T23:21:58","slug":"killeen-tx","status":"publish","type":"page","link":"https:\/\/www.insureone.com\/auto-insurance\/texas-car-insurance\/killeen-tx\/","title":{"rendered":"Find Car Insurance in Killeen, TX"},"content":{"rendered":"    <div class=\"page-product__content\">\r\n\n\n    <h2>    What You Should Know About Car Insurance in Killeen, TX<\/h2>\r\n    <\/h2>    <p>First established in 1882, Killeen is located in Central Texas in Bell County, about an hour from Waco and Austin, the state\u2019s capital. With its fertile soil, the city started out as an agricultural hub, producing mainly wool, cotton, and grain. Fort Cavazos \u2014 formerly named Camp Hood and Fort Hood \u2014 has served the area since 1942. Elvis Presley lived in Killeen in 1958 when he was stationed at the fort.<\/p>\n<p>Killeen is home to the University of Central Texas A&amp;M and Central Texas College. The area offers an abundance of activities for residents and visitors alike, including military and historical museums, water sports, and other outdoor recreation at Belton Lake, and hiking, bird watching, and fishing at Stillhouse Hollow Lake. Texas is known for its rodeos, and this city is no different with its yearly Rodeo Killeen.<\/p>\n<p>It is important to have the <a href=\"https:\/\/www.insureone.com\/auto-insurance\/\">best auto insurance<\/a> in Texas, especially when driving in well-populated areas. With a population of about 160,000 \u2014 up about 6,000 residents since 2020 \u2014 Killeen is one of those places.<\/p>\n                       \r\n\n\n    <h2>    How Much Does Car Insurance Cost in Killeen, Texas?<\/h2>\r\n    <\/h2>    <p>You can expect your <a href=\"https:\/\/www.insureone.com\/auto-insurance\/texas-car-insurance\/\">car insurance in Texas<\/a> to be about the same as the U.S. average. Texas residents pay around $2,019 for full coverage per year and $565 for the minimum liability coverage. This is compared to the national average of $2,014 for full coverage and $622 for minimum coverage.<\/p>\n<p>Killeen residents pay slightly less per year than the average Texan at $1,728 for full coverage and $504 for liability.<\/p>\n                       \r\n\n\n<div class=\"c-quote-widget\">\r\n    <div class=\"c-quote-widget__product\">\r\n        <img decoding=\"async\" class=\"c-quote-widget__icon\" src=\"https:\/\/www.insureone.com\/wp-content\/themes\/insureone\/assets\/images\/quote-widget\/icon-auto.svg\" alt=\"Icon widget 2\" aria-hidden=\"true\" width=\"60\" height=\"25\" loading=\"lazy\">\r\n        <div class=\"c-quote-widget__name\">Auto Insurance<\/div>\r\n    <\/div>\r\n    <div class=\"c-quote-widget__title\">Ready to Get a Quick Quote?<\/div>\r\n    <form class=\"c-quote-widget__form\" id=\"quoteWidget1\" action=\"https:\/\/www.insureone.com\/homeowners-insurance-quote\" method=\"post\">\r\n        <div class=\"c-quote-widget__item\">\r\n            <label class=\"c-quote-widget__label\" for=\"zipcodeWidget\">Zip Code<\/label>\r\n            <input class=\"c-quote-widget__input only-numbers\" id=\"zipcodeWidget\" type=\"text\" name=\"zipcode\" required maxlength=\"5\" data-validate-field=\"zipcode\">\r\n        <\/div>\r\n                    <input type=\"hidden\" id=\"type\" name=\"type\" value=\"https:\/\/www.insureone.com\/homeowners-insurance-quote\">\r\n                <div class=\"c-quote-widget__controls\">\r\n            <button class=\"c-quote-widget__submit button button_primary\" type=\"submit\">\r\n                <span>Start My Quote<\/span>\r\n                <img decoding=\"async\" class=\"c-quote-widget__loading\" src=\"https:\/\/www.insureone.com\/wp-content\/themes\/insureone\/assets\/images\/loading.svg\" alt=\"Loading Quote\">\r\n            <\/button>\r\n        <\/div>\r\n    <\/form>\r\n<\/div>\n\n    <h3>What Does It Mean If Texas Is an At-Fault State?<\/h3>\n<p>In an at-fault state, if you are determined to have caused an accident, you are responsible for personal injuries and property damage costs you have caused the other party. This is contrary to no-fault states in which each party involved in a car crash, regardless of fault, files a claim with their own carrier for their injuries.<\/p>\n<p>Texas is an at-fault state \u2014 this is one reason why having <a href=\"https:\/\/www.insureone.com\/auto-insurance\/liability-insurance-coverage\/\">liability coverage<\/a> is so important.<\/p>\n                       \r\n\n\n    <h2>    Affordable Car Insurance Rates Comparison by Cities in Killeen<\/h2>\r\n    <\/h2>    <p>Your residence location helps determine your policy rates. You can see how the cost of car coverage in Killeen compares to other Texas cities in the chart below.<\/p>\n                       \r\n            <table>\r\n                                                                                                            <tr>\r\n                        <th>City<\/th>                        <th>Full Coverage Insurance<\/th>                        <th>Liability Insurance Coverage<\/th>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><strong>Killeen<\/strong><\/td>                        <td><strong>$144<\/strong><\/td>                        <td><strong>$42<\/strong><\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Austin<\/td>                        <td>$151<\/td>                        <td>$46<\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>El Paso<\/td>                        <td>$158<\/td>                        <td>$42<\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Fort Worth<\/td>                        <td>$163<\/td>                        <td>$49<\/td>                    <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Amarillo<\/td>                        <td>$174<\/td>                        <td>$44<\/td>                    <\/tr>\r\n                                                    <\/table>\r\n    \n\n    <h2>    How Bundling Your Car and Homeowners Insurance Can Save You Money in Killeen<\/h2>\r\n    <\/h2>    <p>You can save money and the headache of juggling multiple sets of paperwork by bundling your insurance. Bundling means buying auto policies for more than one vehicle or purchasing auto coverage and another type of coverage, such as renters or <a href=\"https:\/\/www.insureone.com\/knowledge-center\/homeowners\/are-you-overpaying-on-home-insurance\/\">homeowners insurance<\/a>, with one carrier.<\/p>\n<p><a href=\"https:\/\/www.insureone.com\/knowledge-center\/auto-insurance\/bundle-auto-and-home-insurance\/\">Bundling your auto and homeowners insurance<\/a> will likely give you savings of between 5% and 25% off your monthly bill. Best of all, your InsureOne agent will provide total concierge service by shopping for you, including comparing policies to get you the best coverage at the best price.<\/p>\n                       \r\n\n\n    <h3>What Types of Car Insurance Discounts Are Available in Killeen?<\/h3>\n<p>Bundling is just one way to receive a discount on your personalized auto coverage. Be sure to ask your agent about other discounts for which you might qualify to <a href=\"https:\/\/www.insureone.com\/knowledge-center\/auto-insurance\/how-to-get-a-lower-car-insurance-premium\/\">save even more on your policy<\/a>.<\/p>\n<p>Available discounts include:<\/p>\n<ul>\n<li>Safe driver<\/li>\n<li>Low mileage<\/li>\n<li>Military<\/li>\n<li>Good student<\/li>\n<li>Loyalty<\/li>\n<\/ul>\n                       \r\n\n\n<div class=\"c-quote-widget c-quote-widget--office\">\r\n    <div class=\"c-quote-widget__product\">\r\n        <img decoding=\"async\" class=\"c-quote-widget__icon\" src=\"https:\/\/www.insureone.com\/wp-content\/themes\/insureone\/assets\/images\/quote-widget\/icon-location.svg\" alt=\"Icon widget location\" aria-hidden=\"true\" width=\"60\" height=\"25\" loading=\"lazy\">\r\n    <\/div>\r\n    <div class=\"c-quote-widget__title\">Find an Office Near You<\/div>\r\n    <form class=\"page-header-quote__form c-quote-widget__form\" action=\"https:\/\/www.insureone.com\/locations\/\" method=\"get\">\r\n        <div class=\"c-quote-widget__item\">\r\n            <label class=\"c-quote-widget__label\" for=\"address\">Search by Zip Code<\/label>\r\n            <input class=\"c-quote-widget__input\" id=\"address\" type=\"text\" name=\"address\" placeholder=\"E.g. 90007\" required maxlength=\"5\" data-validate-field=\"zipcode\">\r\n            <input type=\"hidden\" name=\"radius\" value=\"200\">\r\n        <\/div>\r\n        <div class=\"c-quote-widget__controls\">\r\n            <button class=\"c-quote-widget__submit button button_primary\" type=\"submit\">\r\n                <span>FIND OFFICE<\/span>\r\n            <\/button>\r\n        <\/div>\r\n    <\/form>\r\n<\/div>\n\n    <h2>    Notable Car Insurance Laws in Killeen<\/h2>\r\n    <\/h2>    <p>Killeen follows Texas insurance laws, which designate how much liability protection a driver must have. Insurers also consider such factors as theft and car crash statistics within each driver\u2019s residence zip code, as well as each driver\u2019s other unique circumstances, when determining rates.<\/p>\n                       \r\n\n\n    <h3>What Are the Mandatory Car Insurance Requirements in Killeen?<\/h3>\n<p>As a Killeen resident, you must show proof you can cover potential damage you may cause in an at-fault accident. One way to prove financial responsibility is by providing a cashier\u2019s check of at least $55,000 to the county judge.<\/p>\n<p>Most drivers, though, provide this proof by purchasing liability insurance. This coverage pays for the other driver\u2019s medical bills and property damage (up to the policy limits) from an accident that is your fault.<\/p>\n<p>These <a href=\"https:\/\/www.tdi.texas.gov\/pubs\/consumer\/cb020.html\" target=\"_blank\" rel=\"noopener\">minimum liability coverage levels<\/a> are:<\/p>\n<ul>\n<li>$30,000 bodily injury coverage per person<\/li>\n<li>$60,000 bodily injury coverage per accident<\/li>\n<li>$25,000 property damage coverage<\/li>\n<\/ul>\n<p>If you are still making payments on your car, your lender will require you to purchase comprehensive and collision coverage.<\/p>\n                       \r\n\n\n    <h3>What Is the Penalty for Driving Without Insurance in Killeen?<\/h3>\n<p>If police officers catch you driving without insurance, you may receive one or more of the following penalties:<\/p>\n<ul>\n<li>A fine of up to $1,000<\/li>\n<li>Vehicle impoundment for up to 180 days<\/li>\n<li>Suspended driver\u2019s license for up to two years<\/li>\n<\/ul>\n<p>The penalties you receive depend on whether it is your first offense or you have had numerous offenses. But with the potential for such large fines, you may be on the hook to pay more than you would for the annual average cost of liability coverage.<\/p>\n                       \r\n\n\n    <h2>    Do Killeen-Specific Laws Play a Role in Determining Your Insurance Premiums?<\/h2>\r\n    <\/h2>    <p>While there are no Killeen-specific laws for figuring out insurance premiums, agents consider a number of factors when determining your rates. These include:<\/p>\n<ul>\n<li><strong>Age<\/strong>: Younger drivers typically pay more than older, more experienced drivers. Rates may increase in your late 60s and beyond.<\/li>\n<li><strong>Driving history<\/strong>: A history of tickets or claims will likely raise your rates.<\/li>\n<li><strong>Car make and model<\/strong>: Coverage for less expensive vehicles will be cheaper as they cost less to fix and replace.<\/li>\n<li><strong>Mileage<\/strong>: If you only drive for an occasional errand, your insurance expert will likely offer you a lower rate.<\/li>\n<\/ul>\n                       \r\n\n\n    <div class=\"regular-button__container regular-button__container--centered\">\r\n        <a class=\"regular-button regular-button--uppercase\" target=\"_self\" href=\"https:\/\/www.insureone.com\/knowledge-center\/category\/auto-insurance\/faq\/\">\r\n            AUTO FAQ        <\/a>\r\n    <\/div>\r\n\n\n    <h2>    Typical Driving Conditions in Killeen<\/h2>\r\n    <\/h2>    <p>The city consistently works to maintain roads for traveler safety. This <a href=\"https:\/\/www.killeentexas.gov\/301\/Engineering\" target=\"_blank\" rel=\"noopener\">local construction<\/a> can mean road narrowing and shutdowns, leading to longer travel times. Paired with the increase in Killeen\u2019s population, drivers face heavier traffic congestion, especially during rush hour.<\/p>\n<p>These delays, along with the city\u2019s hot, muggy summers and short, windy winters, may cause impatient drivers. It is essential to drive with care and pay attention on the road.<\/p>\n                       \r\n\n\n    <h3>How Many Car Accidents Happen in Killeen Per Year?<\/h3>\n<p>Statistics show that there were 14 fatal accidents in Killeen in 2023. The Texas Department of Transportation reported the following total number of crashes in Killeen in 2023 as compared to some other Texas cities:<\/p>\n                       \r\n            <table>\r\n                                                                                                            <tr>\r\n                        <th>City<\/th>                        <th>Total Crashes<\/th>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td><strong>Killeen<\/strong><\/td>                        <td>2,325<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Austin<\/td>                        <td>12,138<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>El Paso<\/td>                        <td>15,876<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Fort Worth<\/td>                        <td>13,445<\/td>                                            <\/tr>\r\n                                                                                                                                            <tr>\r\n                        <td>Amarillo<\/td>                        <td>4,092<\/td>                                            <\/tr>\r\n                                                    <\/table>\r\n    \n\n    <h3>How Many Uninsured\/Underinsured Motorists Are in Killeen?<\/h3>\n<p>The Insurance Information Institute reports that 13.8% of Texas drivers were uninsured in 2022. The Texas Department of Motor Vehicles report stating that, as of 2025, about 20% of Texas drivers are uninsured shows this number is increasing.<\/p>\n<p>Either case presents the risk you face on the road and the importance of good insurance, including uninsured\/underinsured motorist coverage. Your InsureOne agent can help you find the best choices for coverage at competitive rates.<\/p>\n                       \r\n\n\n<\/div>\r\n\n\n<div class=\"page-product-important left\">\r\n    <div class=\"page-product-important__image\">\r\n        <picture class=\"page-product-important__picture\">\r\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/03\/find-car-insurance-in-killeen-texas-2.png 1x, https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/03\/find-car-insurance-in-killeen-texas-2.png 2x\">\r\n            <img decoding=\"async\" src=\"https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/03\/find-car-insurance-in-killeen-texas-2.png\" srcset=\"https:\/\/www.insureone.com\/wp-content\/uploads\/2025\/03\/find-car-insurance-in-killeen-texas-2.png 2x\" alt=\"M1 57 millimetre antitank gun used during World War II located on Fort Hood \u2013 best car insurance in Texas.\" width=\"360\" height=\"200\" loading=\"lazy\">\r\n        <\/picture>\r\n    <\/div>\r\n    <div class=\"page-product-important__content\">\r\n                    <h2>            Get Covered by the Best Car Insurance in Killeen, Texas, Today<\/h2>\r\n            <\/h2>                            <p>With its abundance of outdoor activities and easy access to other cities, such as Austin and San Antonio, Killeen might be the place for you. Before you head out on Highway 195 during rush hour, protect yourself with high-quality car insurance.<\/p>\n<p>The expert InsureOne agents provide white glove, top-tier service to come up with competitive options for your personalized quote. You can get started with a quote <a href=\"https:\/\/www.insureone.com\/\">online<\/a>, visit <a href=\"https:\/\/locations.insureone.com\/\" target=\"_blank\" rel=\"noopener\">one of our offices<\/a>, or get a quote over the phone at <a href=\"tel:800-836-2240\">(800) 836-2240<\/a>. We look forward to helping you with your insurance needs.<\/p>\n                       \r\n            <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":32,"featured_media":0,"parent":4713,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"views\/template-city-component.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11939","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/11939"}],"collection":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/comments?post=11939"}],"version-history":[{"count":6,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/11939\/revisions"}],"predecessor-version":[{"id":13454,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/11939\/revisions\/13454"}],"up":[{"embeddable":true,"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/pages\/4713"}],"wp:attachment":[{"href":"https:\/\/www.insureone.com\/wp-json\/wp\/v2\/media?parent=11939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}