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Cheap Car Insurance in Abilene, TX

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Everything You Need to Know About Auto Insurance in Texas

Abilene, Texas is nestled in the heart of the Lone Star State and was founded in 1881. Over 123,000 people live within the 106-square-mile radius of the city, which is known as a cultural and economic hub. Abilene has a vibrant arts community, historical museums, and landmarks like the Frontier Texas! Museum.

Abilene has been a residence for various individuals, including Willie Nelson, the famous country singer. Nelson lived in Abilene during his childhood and while he eventually ventured into other areas, he fondly recalls the influence of his hometown. “Abilene, where the spirit of Texas is alive and well, has left an indelible mark on my musical journey,” he shared as a reflection on the area during his formative years in the mid-20th century.

All motorists in the Lone Star State must meet state-mandated coverage requirements. Keep reading to discover more about car insurance in Texas, including the average monthly rates based on age and zip code.

How Much Does Car Insurance Cost in Abilene, Texas?

Abilene residents pay an annual average $552 for state required minimum liability car insurance, which is $13 less than the yearly state average of $565, and $192 less than the national average of $744.

Full auto coverage costs Abilene drivers around $1,788 each year. These rates are $231 less than the annual state average of $2,019 and $756 more than the national average of $2,544.

Reasons Why Insurance is Cheap in Texas?

Various factors contribute to auto insurance prices in Texas. Firstly, the large landmass and lower population density in certain areas may result in fewer accidents and claims, which leads to reduced overall risk. Fewer risks mean premiums are lower, and thus policies in Texas are less than the national averages.

Additionally, Texas has implemented legal reforms, such as tort reform, which can mitigate litigation costs and influence lower premiums. The insurance market in this state is also competitive, which gives more options for consumers, and insurers need to have similar pricing to stay current.

On the flip side, there are risks that can affect car insurance quotes in the state, such as severe weather events like hurricanes and floods. The pricing is determined by the intricacies of different areas, but overall, Texas is one of the more affordable states for auto insurance.

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Affordable Car Insurance Rates Comparison by Cities in Texas

This chart shows how much motorists in Abilene pay per month compared to other areas across the state.

City Full Coverage Insurance Liability Insurance Coverage
Abilene $149 $46
El Paso $157 $54
Fort Worth $163 $60
Austin $204 $73
Arlington $159 $59

Affordable Abilene Car Insurance Rates by Zip Code

Several details determine how much you’ll pay for your policy, including your location. If you live and drive frequently in an urban area with a lot of traffic congestion and vehicle crashes, you’ll likely have to pay more than if you resided in the suburbs or a rural area.

Here’s how much people in Abilene pay each month for full coverage and state-required liability policies across various zip codes.

Zip Code Full Coverage Insurance Liability Insurance Coverage
79601 $149 $46
79602 $149 $45
79603 $147 $45
79604 $164 $52
79605 $148 $46
79606 $144 $45
79608 $164 $52
79697 $164 $52
79698 $148 $47
79699 $150 $47

Low-Cost Car Insurance Rates by Age in Abilene

Age is another quality used to estimate your premium. Teens are a higher risk for insurers because they lack experience on the road compared to adults, so they cost more to protect.

This chart lists average monthly auto insurance rates in Abilene based on age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $474 $163
20s $211 $65
30s $143 $45
40s $138 $44
50s $126 $42
60s $134 $47
70s $142 $52

Our city and zip code average rates are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Texas. In addition to age, your rates will be determined by several other factors, including your gender and the type of coverage you want to purchase.

Driving Conditions in Abilene

How Many Fatal Accidents Happen in Abilene?

According to the National Highway Traffic Safety Administration, Abilene averages around 14 fatal crashes every year. How often these crashes happen tends to fluctuate, but NHTSA statistics show that between 2011 and 2021, there were a total of 141 fatal crashes. The highest numbers of fatalities were in 2015, with a total of 18.

How Are the Road Infrastructure and Bridges in Abilene?

Abilene’s Street Services Division oversees and maintains city streets, with a subdivision for milling and paving, seasonal road cleanups, and roadside sweeping. Another subdivision maintains streetscapes, roads, and sidewalks, and other ongoing initiatives, like road repairs. Texas’ Department of Transportation takes care of major highways and bridges.

Minimum Car Insurance Requirements in Abilene

Texas law outlines the minimum liability requirements for motorists in Abilene and other towns across the state must. A basic liability policy in Texas must provide:

What Are the Penalties for Driving Without Insurance in Abilene, Texas?

In Texas, you are subject to penalties under state law for driving without a policy. If you´re pulled over and don’t show proof of car insurance, the state views this as evidence that you failed to maintain coverage — a class C misdemeanor.

Additional penalties you can get as a first-time offender are fines up to $350 and up to $1,000 for each subsequent offense. You can also get a driver’s license surcharge of $250 a year for three years after your first offense, and an additional $250 a year for three years for subsequent offenses.

If you are a repeat offender, you can also face impoundment and associated fees, registration and license suspension, plus reinstatement fees, SR-22 requirement; up to six months in jail if you’re uninsured in an accident.

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Factors Allowed in Abilene Car Insurance Rates

In addition to your age, location, and how often you drive, insurers look at others factors that affect car Insurance rates, including:

  • Driving history
  • Vehicle type
  • Marital status
  • Coverage amount
  • Deductible amount
  • Education

What Happens if I Damage Property?

If you get into an accident or knock down a fire hydrant, your insurance company will cover the repair costs, depending on the amount of damage you caused.

Keep in mind that full coverage policies will address all financial responsibility for the damage to your vehicle and any property. A minimum liability one will only cover property damage, and you’ll have to pay out of pocket if damages exceed the amount of repairs.

What Are the Best Discounts for Car Insurance in Abilene, TX?

There are different types of car insurance discounts that can help you save money on your premiums, especially if you’re eligible for several of them.

Some of the most popular savings that can significantly lower how much people in Abilene pay include:

Bundling plans with the same insurer is another great way to save. For example, if you combine your auto policy with homeowners or renters insurance, it can reduce your overall bill by as much as 25%.


Get an Online Quote for Car Insurance in Abilene, Today!

Abilene written on a water tower against clear sky, cheap car insurance in Texas.

Car owners in Abilene must have proof of coverage that meets Texas’ minimum liability mandate, and Freeway Insurance can help you find the right plans at affordable rates.

To learn more, get a free quote online on Freeway’s website, visit a Freeway office in Texas or call us at (800) 777-5620.