Find Car Insurance in Killeen, TX

What You Should Know About Car Insurance in Killeen, TX

First established in 1882, Killeen is located in Central Texas in Bell County, about an hour from Waco and Austin, the state’s capital. With its fertile soil, the city started out as an agricultural hub, producing mainly wool, cotton, and grain. Fort Cavazos — formerly named Camp Hood and Fort Hood — has served the area since 1942. Elvis Presley lived in Killeen in 1958 when he was stationed at the fort.

Killeen is home to the University of Central Texas A&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.

It is important to have the best auto insurance in Texas, especially when driving in well-populated areas. With a population of about 160,000 — up about 6,000 residents since 2020 — Killeen is one of those places.

How Much Does Car Insurance Cost in Killeen, Texas?

You can expect your car insurance in Texas 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.

Killeen residents pay slightly less per year than the average Texan at $1,728 for full coverage and $504 for liability.

What Does It Mean If Texas Is an At-Fault State?

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.

Texas is an at-fault state — this is one reason why having liability coverage is so important.

Affordable Car Insurance Rates Comparison by Cities in Killeen

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.

City	Full Coverage Insurance	Liability Insurance Coverage
Killeen	$144	$42
Austin	$151	$46
El Paso	$158	$42
Fort Worth	$163	$49
Amarillo	$174	$44

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

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 homeowners insurance, with one carrier.

Bundling your auto and homeowners insurance 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.

What Types of Car Insurance Discounts Are Available in Killeen?

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 save even more on your policy.

Available discounts include:

• Safe driver
• Low mileage
• Military
• Good student
• Loyalty

Notable Car Insurance Laws in Killeen

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’s residence zip code, as well as each driver’s other unique circumstances, when determining rates.

What Are the Mandatory Car Insurance Requirements in Killeen?

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’s check of at least $55,000 to the county judge.

Most drivers, though, provide this proof by purchasing liability insurance. This coverage pays for the other driver’s medical bills and property damage (up to the policy limits) from an accident that is your fault.

These minimum liability coverage levels are:

• $30,000 bodily injury coverage per person
• $60,000 bodily injury coverage per accident
• $25,000 property damage coverage

If you are still making payments on your car, your lender will require you to purchase comprehensive and collision coverage.

What Is the Penalty for Driving Without Insurance in Killeen?

If police officers catch you driving without insurance, you may receive one or more of the following penalties:

• A fine of up to $1,000
• Vehicle impoundment for up to 180 days
• Suspended driver’s license for up to two years

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.

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

While there are no Killeen-specific laws for figuring out insurance premiums, agents consider a number of factors when determining your rates. These include:

• Age: Younger drivers typically pay more than older, more experienced drivers. Rates may increase in your late 60s and beyond.
• Driving history: A history of tickets or claims will likely raise your rates.
• Car make and model: Coverage for less expensive vehicles will be cheaper as they cost less to fix and replace.
• Mileage: If you only drive for an occasional errand, your insurance expert will likely offer you a lower rate.

Typical Driving Conditions in Killeen

The city consistently works to maintain roads for traveler safety. This local construction can mean road narrowing and shutdowns, leading to longer travel times. Paired with the increase in Killeen’s population, drivers face heavier traffic congestion, especially during rush hour.

These delays, along with the city’s hot, muggy summers and short, windy winters, may cause impatient drivers. It is essential to drive with care and pay attention on the road.

How Many Car Accidents Happen in Killeen Per Year?

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:

City	Total Crashes
Killeen	2,325
Austin	12,138
El Paso	15,876
Fort Worth	13,445
Amarillo	4,092

How Many Uninsured/Underinsured Motorists Are in Killeen?

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.

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.