What You Should Know About Car Insurance in Abilene, Texas

Located approximately 150 miles west of Fort Worth, Abilene is a city of 176,000 residents in Central Texas. Nicknamed the Key City, it is home to three notable Christian universities as well as the Dyess Air Force Base.

The city was established as a stock shipping point in 1881 along the Texas and Pacific Railway. It was named for the town of the same name: Abilene, Kansas. Over the years, it has developed a reputation as the central transportation hub for the 19 surrounding counties, nicknamed “The Big Country.”

Given its reputation as a transportation hub, the presence of many cars and trucks should come as no surprise. If you live and work in Abilene, protecting your vehicle from collisions with careless motorists must be a priority. The expert agents of InsureOne are ready to help you find the best auto insurance at the best price in Texas.

How Much Does Car Insurance Cost in Abilene, Texas?

Texas auto protection costs depend on the specific coverage you seek. Full coverage provides comprehensive and collision benefits, but it will also cost more compared to policies that meet the minimum liability requirements.

The typical Texas resident pays $2,426 annually for full auto policies. For liability insurance coverage, the average Texan spends $693 per year.

Texas is an inexpensive place to insure a car, with average annual rates lower than or close to the rest of the country. Nationally, most people pay $2,314 annually for full auto coverage and $644 per year for the minimum amount of liability coverage required by law.

Auto Insurance
Ready to Get a Quick Quote?

Why Is Insurance So Expensive in Texas?

There are many reasons why car coverage is so expensive in the Lonestar State. It is a large state with major cities and limited public transportation. Naturally, residents still need a way to get around. With so many cars on the road, accidents are inevitable. When there are more accidents, the average cost of protection is bound to go up.

Texas drivers are also more likely than others to be uninsured or underinsured. On average, 17% of motorists in Texas lack any liability insurance. More drivers have policies with low limits that will not cover the full cost of a crash. These uninsured drivers cause the cost of a policy to rise. It is important to have auto coverage that protects you instead of relying on the policy of the at-fault driver in a crash.

Affordable Car Insurance Rates Comparison by Cities in Texas

Below is a comparison of the average monthly premiums paid in various cities across Texas.

City Full Coverage Insurance Liability Insurance Coverage
Abilene $202 $58
Arlington $273 $84
Dallas $299 $92
El Paso $245 $71
Fort Worth $240 $70
Allen $246 $76

How Bundling Your Car and Homeowners Insurance Can Save You Money in Abilene

Bundling involves purchasing two or more types of policies from the same company. For example, you could bundle your auto and home protection and save as much as 25% off your current bill. Bundling your auto and homeowners insurance packages with InsureOne will not only save you money but can also simplify the process of managing your policies.

Before you decide on your policy options, it is a good idea to get a quote from multiple carriers to get competitive pricing. InsureOne agents can customize your packages to fit your needs and budget. Let InsureOne do the research for you and provide multiple options so you can find the best fit.

What Types of Car Insurance Discounts Are Available in Abilene?

Insurers typically offer an array of discount options. Getting the most out of each of these discounts is one of the best ways to save money on your car coverage. Some examples include the following:

  • Loyalty Discount
  • Student Discount
  • Military Discount
  • Paperless Discount
  • Auto Pay Discount
Auto Insurance
Ready to Get a Quick Quote?

Notable Car Insurance Laws in Abilene

Texas requires motorists to carry liability insurance any time they get behind the wheel. This includes a minimum amount of required coverage, although some drivers choose to purchase more than the minimum amount. In Texas, drivers must have coverage that meets the following minimum guidelines:

  • $30,000 for bodily injuries per person
  • $60,000 for bodily injuries per accident
  • $25,000 for property damage per accident

What Is the Penalty for Driving Without Insurance in Abilene?

In Texas, it is illegal to drive without auto coverage, and drivers in Abilene are required to comply with these rules. Driving without a policy can lead to steep monetary consequences if you are ticketed by police.

For instance, the first time you receive a ticket, you will pay a one-time fine of up to $350 for a first-time offense. Second and subsequent offenses carry a penalty of as much as $1,000.

In order to avoid these consequences and protect yourself in an accident, it is a good idea to rely on the support of the expert agents at InsureOne. They can help you manage your policies to ensure your policy never lapses, and you always have the coverage you need.

Do Abilene-Specific Laws Play a Role in Determining Your Insurance Premiums?

Insurance companies use a number of factors to determine what your policy will cost, but that does not necessarily include any type of legislation. Instead, insurers will review the risks and determine the appropriate cost of your monthly premiums. Some of the factors that could impact the cost of coverage in Abilene include the following:

  • The kind of automobile you drive. Domestic vehicles will generally cost less to insure compared to foreign cars.
  • Your age. The cost of your premiums is highest when you are in your teens or early 20s, only for your premiums to drop steadily until you are in your 60s. As you age, those costs go up again.
  • Your level of education. The cost of your insurance policy can also depend on your educational background. You could pay less if you have a degree from one of the local colleges like Abilene Christian University.
  • Your driving frequency. The more you drive, the more you can expect to pay for your insurance premiums.
Find an office near you

Auto Insurance Rates for Young Drivers vs. Older People in Texas

Age is one of the primary factors in determining how much your auto coverage is going to cost. Young people — particularly people in their teens or 20s — are more likely to be involved in motor vehicle accidents compared to the rest of the population. For that reason, their insurance rates are often twice as much as motorists in their 40s.

Each year after a person reaches age 30, the cost of insurance will start dropping. As long as they avoid accidents, these rates will continue to fall for most of their lives until the cost of insurance levels off in their 60s.

As a person ages, these costs will begin to rise again. Drivers in their 70s and 80s are more likely to get into accidents, causing the cost of insurance to rise at that age. At InsureOne, our team of expert agents offers white-glove service to motorists in the market for high-quality car insurance.

Typical Driving Conditions in Abilene

Driving conditions in Abilene are impacted by its climate, with hot, dry summers and mild winters. Temperatures can soar during the summer, often exceeding 100°F, and increase the risk of your automobile overheating or impacting your tires.

Motorists can also be affected by occasional dust storms, particularly in agricultural areas like Abilene. These storms can reduce visibility and create hazardous road conditions.

Regardless of visibility or weather conditions, it is essential to protect your automobile from the heat, stay alert, and maintain an appropriate distance from other vehicles to avoid accidents and stay safe.

How Many Car Accidents Happen in Abilene Per Year?

The city of Abilene releases information about accidents in the city each year. In 2023 alone, there were 3,004 motor vehicle collisions in city limits.

Here is a comparison of annual Abilene accidents to other cities in Texas in 2023:

City Annual Average Number of Fatal Car Crashes
Abilene 7
Dallas 205
Allen 2
Amarillo 23
Austin 88

 

How Many Uninsured/Underinsured Motorists Are in Abilene?

Texas has one of the highest rates of uninsured drivers in the country. The state reports a full 17% of all motorists lack liability insurance. An even higher percentage are likely to lack the amount of coverage they need if they get in an accident.

The fines that come with driving in Texas without a policy can be steep, so it is a good idea to carry enough coverage to avoid a ticket. The right policy can also ensure it pays for any damage instead of that money coming out of your pocket.

Get Covered by the Best Car Insurance in Abilene, TX Today

InsureOne offers expert agents who listen to your needs and provide white-glove service while you are searching for a policy. We offer a top-tier, one-stop coverage shopping experience to ensure Texas motorists like you get the policies they need.

We can save you time and money by researching policies and pricing. Get a quote online, visit us at an office near you near you, or call us at (800) 836-2240 for a quote.