+120 more)
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her work has appeared on The Huffington Post, Business Insider, Kiplinger’s, MSN Money, and The Washington Post, and she’s been writing for Compare.com since 2023. Her background in education allows her to help people relate to and understand complex financial topics.
She’s the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand-new book, Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
)
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Abilene, Texas, pay an average of $144 per month for car insurance, which is on par with the national average of $150.
Abilene’s car insurance costs are among the lowest in Texas, according to Compare.com data. This could be because of Abilene’s comparatively smaller population,[1] meaning fewer cars on the road, fewer accidents, and fewer claims than many of Texas’ larger cities.
If you live in Abilene, you can still find rates well below the city and state averages. Several companies offer cheaper rates, including State Farm, with an average monthly liability-only rate of $33. But the cheapest car insurance for you depends on factors like your age, coverage choices, and driving history.
To find the best auto policy in Abilene, Texas, here’s what you need to know.
The three cheapest car insurance in Abilene, Texas, include State Farm, GEICO, and Allstate.
Texas law requires all drivers to have at least $30,000 in bodily injury liability coverage per person, $60,000 per accident, and $25,000 in property damage liability coverage.
Abilene drivers pay pay an average of $94 for liability-only coverage and $195 for full coverage.
Although Abilene’s insurance rates are among the most affordable in Texas, you can always find ways to save money on your insurance policy. Several companies offer rates below the citywide average, but you can find ways to lower your insurance costs even more.
The best way to get the cheapest rate is to compare quotes from multiple companies.
The companies listed in the table below are the cheapest insurers on average in Abilene, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $33 |
| GEICO | $35 |
| Allstate | $46 |
| Mile Auto | $50 |
| USAA | $58 |
| Nationwide | $73 |
| Mercury | $75 |
| Root | $86 |
| Progressive | $89 |
| Dairyland | $94 |
| Safeco | $98 |
| Chubb | $98 |
| Clearcover | $107 |
| National General | $108 |
| The General | $108 |
| Direct Auto | $109 |
| AssuranceAmerica | $110 |
| Bristol West | $111 |
| 21st Century | $114 |
| Commonwealth Casualty | $114 |
| Elephant | $124 |
| GAINSCO | $138 |
| Foremost | $183 |
| Liberty Mutual | $193 |
| State Auto | $219 |
State Farm offers the cheapest car insurance in Abilene, Texas, with an average premium of $33 per month.
But since every driver has a unique profile and coverage needs, the cheapest car insurance for you may come from a different insurer. To find the best option for your specific needs, check out the following companies.
Compare personalized quotes from Abilene’s top insurers.
)
Getting an insurance quote from the companies above can be a great starting point for finding the cheapest car insurance in Abilene. But your personal rate can vary widely based on your age, driving record, ZIP code, marital status, credit history, and other factors.[2]
The table below shows the cheapest insurance companies in Abilene for various driver profiles and coverage levels, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $33 |
| Full coverage | State Farm | $59 |
| Teens | State Farm | $62 |
| Seniors | State Farm | $25 |
| Drivers with a speeding ticket | State Farm | $42 |
| Drivers with an at-fault accident | State Farm | $44 |
| Drivers with a DUI | State Farm | $53 |
| Drivers with excellent credit | State Farm | $31 |
| Drivers with poor credit | GEICO | $41 |
To help you find the best insurer with the right coverage for your needs, here’s a breakdown of the cheapest car insurance companies based on different driver profiles.
The average monthly cost for minimum coverage in Abilene is $94, according to Compare.com data. But most experts recommend purchasing more than the minimum-required liability insurance.[3] If you cause an accident, these limits may not be enough to pay for the other driver’s injuries or property damage, meaning you’d have to pay the difference out of pocket.
But if state-minimum coverage is enough for your needs, the following insurers offer the cheapest minimum-coverage insurance policies in Abilene, according to Compare.com data.
State Farm offers the cheapest state-minimum coverage in Abilene, with an average rate of $33 per month.
Full-coverage auto insurance includes collision and comprehensive coverage, which pay for damage to your vehicle from an accident, theft, vandalism, or severe weather.[4] Abilene’s average monthly rate for this type of coverage is $195, according to Compare.com data.
The chart below highlights the five cheapest companies for full-coverage insurance in Abilene, based on Compare.com data.
The cheapest insurer in Abilene for full coverage is State Farm, with an average monthly premium of $59.
Teen drivers typically pay the highest insurance rates of any age group because of their inexperience behind the wheel and higher likelihood of accidents.[5] We found that teens in Abilene pay an average monthly rate of $276.
Despite these higher rates, you can still find affordable insurance for teenage drivers. The five insurers in the chart below offer the cheapest insurance for Abilene teens.
State Farm offers the cheapest insurance for teens in Abilene, with an average monthly rate of $62.
With their decades of experience on the road, senior drivers tend to enjoy the cheapest insurance rates of any age group — at least until age 70, when age-related physical declines and slowing reflexes make seniors slightly more likely to get in accidents.[6] In Abilene, seniors pay an average of $114 per month for car insurance, according to our data.
The five insurance companies listed below offer the cheapest rates for seniors in Abilene, according to Compare.com.
The insurance company with the lowest rates for seniors in Abilene is State Farm, with an average monthly rate of $25.
Even one speeding ticket increases average car insurance rates by 27%, according to our data. If you have a recent speeding ticket, you can expect your car insurance to cost around $195 per month, based on the city’s average rates.
If you fall into this category, consider getting an insurance quote from the five insurers listed below. They have the cheapest average rates in Abilene after a ticket, according to Compare.com data.
The company with the lowest rates for Abilene drivers with a recent ticket is State Farm, with an average monthly premium of $42.
A single at-fault accident on your recent driving history increases average premiums by 33%, according to Compare.com’s research. Looking at Abilene specifically, our data shows that area drivers with a recent accident pay an average of $202 per month for car insurance.
To find an affordable insurance company after an at-fault accident in Abilene, consider the following five insurers. They offer the cheapest rates after an accident, based on our data.
State Farm is the cheapest Abilene insurance company for drivers with a recent at-fault accident, with an average monthly rate of $44.
A DUI conviction can cause your insurance rates to skyrocket. Drivers with a DUI pay an average of 59% more than drivers with a clean driving record, according to Compare.com research.
Abilene drivers with a DUI conviction pay an average monthly rate of $231 for auto insurance.
The five insurance companies listed in the chart below offer the lowest rates for drivers in Abilene with a DUI, according to Compare.com data.
In Abilene, State Farm offers the cheapest average rates for drivers with a DUI, at $53 per month.
Though your credit history may seem unrelated to auto insurance, Texas — like many other states — allows insurance companies to consider your credit history to determine your rates. Our research shows that drivers with poor credit pay 40% more for insurance than people with excellent credit. The average insurance rate for drivers in Abilene with poor credit is $180, according to our data.
Below, you’ll find the five cheapest companies for drivers with less-than-perfect credit in Abilene, according to Compare.com data.
GEICO offers the cheapest rates to Abilene drivers with poor credit, with an average monthly rate of $41.
Compare quotes side-by-side and lock in cheaper rates.
)
Like most states, Texas has state-minimum car insurance requirements. To drive legally in the Lone Star State, you must have at least the following insurance coverage:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $25,000 per accident
Most experts, including the Texas Department of Insurance (TDI), recommend purchasing more than the state’s minimum insurance coverage limits.[7] Additionally, if you finance or lease your vehicle, your lender will require you to have comprehensive and collision coverage.
The TDI offers a Consumer Bill of Rights for auto insurance to help Texans understand their insurance rights and responsibilities.
The answers to the following common questions can help you find Abilene’s cheapest auto insurance for your needs.
State Farm offers the lowest car insurance rates in Abilene, with an average rate of $33 per month, according to Compare.com data.
Car insurance in Abilene costs an average of $144 per month, according to our research. Liability-only coverage averages $94 per month, and area drivers pay an average of $195 per month for full coverage.
It depends. Car insurance rates can vary widely by location, type of vehicle, driving history, and whether you purchase additional coverage. What might seem expensive to one driver may seem like a bargain to another.
For context, the average Abilene driver pays around $144 per month, according to Compare.com data.
You can start by getting a quote from multiple companies to find the cheapest rate. You can also lower your rates by shopping around before your policy renews, bundling home insurance with your car insurance, raising your deductible, or improving your credit.[8]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her work has appeared on The Huffington Post, Business Insider, Kiplinger’s, MSN Money, and The Washington Post, and she’s been writing for Compare.com since 2023. Her background in education allows her to help people relate to and understand complex financial topics.
She’s the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand-new book, Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
)
USAA offers young drivers with good grades up to 10% in savings with its good student discount. Find out how it works and how to qualify.
)
Looking for cheap car insurance for seniors? Discover the best companies, discounts, and expert tips to lower your rates while keeping the coverage you need.
)
Jeep Grand Cherokee car insurance averages $141 per month. Check out where to get the cheapest rates and how different factors affect your premium.
)
High-risk drivers can have a hard time finding cheap car insurance, but comparing rates can help you save money.
)
Novo offers the cheapest average rates for a Nissan Rogue, at $51 per month. Compare costs, coverage, and insurers to get the best rate for your Rogue.
)
Auto insurance costs an average of $337 per month for young drivers. Discover the cheapest car insurance in Texas for young drivers.
)
)
