Because of its proximity to Fort Cavazos, Killeen can get heavy traffic from military vehicles, commuters and contractors. Drivers also have to deal with flash flooding and high winds.
It’s a good idea to carry a solid car insurance policy to protect you in case of an accident. To help you find coverage you can afford, we’ve rounded up quotes from Jerry customers in Killeen to help you understand how factors like age, driving history and ZIP code impacts the price of auto insurance.
More: Cheapest car insurance in Texas
Cheapest minimum coverage insurance in Killeen
These are the cheapest quotes for state-mandated minimum coverage that Jerry customers have received.
Texas requires drivers to carry these minimum coverages:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury per accident.
- $25,000 for property damage.
If you have a loan or lease on your vehicle, the lender will require
More: Best car insurance in Texas
Cheapest full coverage insurance in Killeen
Full coverage will pay for your repairs if your car gets damaged from collisions, weather-related damage, theft and vandalism. These are the cheapest quotes for full coverage that drivers in Killeen have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $74 | $883 | 38 | 06/14/25 | 76542 | ||
| $74 | $887 | 49 | 09/29/25 | 76542 | ||
| $79 | $944 | 38 | 06/15/25 | 76541 | ||
| $81 | $973 | 65 | 08/27/25 | 76549 | ||
| $86 | $1,031 | 41 | 06/21/25 | 76542 | ||
| $87 | $1,044 | 38 | 06/15/25 | 76541 | ||
| $89 | $1,073 | 37 | 06/21/25 | 76543 | ||
| $90 | $1,075 | 46 | 10/09/25 | 76543 | ||
| $90 | $1,078 | 42 | 11/02/25 | 76543 | ||
| $96 | $1,155 | 25 | 07/02/25 | 76549 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Killeen (18-29 years old)
Young drivers in Killeen tend to pay more for car insurance because they tend to have less driving experience. These are the cheapest quotes that young drivers in Killeen have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $486 | 29 | No | 10/30/25 | 76542 | ||
| $66 | $791 | 24 | No | 08/05/25 | 76542 | ||
| $71 | $849 | 22 | No | 10/29/25 | 76549 | ||
| $80 | $965 | 29 | No | 05/30/25 | 76549 | ||
| $94 | $1,124 | 29 | No | 09/16/25 | 76542 | ||
| $87 | $1,044 | 38 | 06/15/25 | 76541 | |||
| $89 | $1,073 | 37 | 06/21/25 | 76543 | |||
| $90 | $1,075 | 46 | 10/09/25 | 76543 | |||
| $90 | $1,078 | 42 | 11/02/25 | 76543 | |||
| $96 | $1,155 | 25 | 07/02/25 | 76549 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Killeen (30-54 years old)
Drivers between 30 and 54 years old usually pay less than younger drivers for auto insurance. To ensure you’re paying the lowest rate, regularly compare quotes from various insurers to find the most affordable coverage. Here are the cheapest quotes that mature drivers in Killeen have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $62 | $748 | 38 | No | 06/14/25 | 76542 | ||
| $63 | $752 | 37 | No | 06/16/25 | 76542 | ||
| $64 | $762 | 38 | No | 06/15/25 | 76541 | ||
| $65 | $785 | 43 | No | 07/19/25 | 76541 | ||
| $67 | $806 | 43 | No | 06/22/25 | 76542 | ||
| $87 | $1,044 | 38 | 06/15/25 | 76541 | |||
| $89 | $1,073 | 37 | 06/21/25 | 76543 | |||
| $90 | $1,075 | 46 | 10/09/25 | 76543 | |||
| $90 | $1,078 | 42 | 11/02/25 | 76543 | |||
| $96 | $1,155 | 25 | 07/02/25 | 76549 |
Cheapest car insurance for older drivers in Killeen (55+ years old)
Drivers 55 and older usually pay the lowest insurance premiums, although rates may rise once a driver hits their 70s. These are the cheapest quotes that older drivers in Killeen have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $55 | $658 | 68 | 09/10/25 | 76549 | No | ||
| $56 | $666 | 60 | 10/19/25 | 76543 | No | ||
| $66 | $788 | 55 | 09/30/25 | 76541 | No | ||
| $76 | $916 | 55 | 07/26/25 | 76549 | No | ||
| $81 | $973 | 65 | 08/27/25 | 76549 | Yes | ||
| $87 | $1,044 | 38 | 06/15/25 | 76541 | |||
| $89 | $1,073 | 37 | 06/21/25 | 76543 | |||
| $90 | $1,075 | 46 | 10/09/25 | 76543 | |||
| $90 | $1,078 | 42 | 11/02/25 | 76543 | |||
| $96 | $1,155 | 25 | 07/02/25 | 76549 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Killeen
A clean driving record typically gets you the cheapest rate for auto insurance. These are the cheapest quotes that drivers in Killeen with clean records have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $486 | 29 | 10/30/25 | No | 76542 | ||
| $55 | $658 | 68 | 09/10/25 | No | 76549 | ||
| $56 | $666 | 60 | 10/19/25 | No | 76543 | ||
| $62 | $748 | 38 | 06/14/25 | No | 76542 | ||
| $63 | $752 | 37 | 06/16/25 | No | 76542 | ||
| $64 | $762 | 38 | 06/15/25 | No | 76541 | ||
| $65 | $785 | 43 | 07/19/25 | No | 76541 | ||
| $66 | $788 | 55 | 09/30/25 | No | 76541 | ||
| $66 | $791 | 24 | 08/05/25 | No | 76542 | ||
| $67 | $806 | 43 | 06/22/25 | No | 76542 |
Cheapest car insurance for drivers with low credit scores in Killeen
Texas allows insurers to use credit-based insurance scores to determine premiums, which means that having a low score could result in more expensive insurance. These are the cheapest quotes that drivers in Killeen with credit scores below 550 have received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $85 | $1,025 | 45 | 12/04/24 | 76549 | ||
| <550 | $91 | $1,098 | 28 | 09/23/25 | 76549 | ||
| <550 | $97 | $1,161 | 37 | 12/27/24 | 76542 | ||
| <550 | $98 | $1,173 | 24 | 07/30/25 | 76549 | ||
| <550 | $111 | $1,329 | 50 | 09/22/25 | 76543 | ||
| $64 | $762 | 38 | 76541 | ||||
| $65 | $785 | 43 | 76541 | ||||
| $66 | $788 | 55 | 76541 | ||||
| $66 | $791 | 24 | 76542 | ||||
| $67 | $806 | 43 | 76542 |
Cheapest car insurance for drivers with at-fault accidents in Killeen
If you’ve recently been in an at-fault accident, your premium is likely to rise at renewal. It’s wise to get a few quotes to ensure you’re paying the lowest rate possible. These are the cheapest quotes that drivers with at-fault accidents in Killeen have received via Jerry.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $48 | $575 | 72 | No | 08/08/25 | 76543 | ||
| At Fault With No Injury | $58 | $701 | 31 | No | 12/30/24 | 76542 | ||
| At Fault With No Injury | $74 | $889 | 30 | No | 10/11/25 | 76543 | ||
| At Fault With No Injury | $84 | $1,011 | 70 | Yes | 09/19/25 | 76541 | ||
| At Fault With No Injury | $98 | $1,173 | 33 | Yes | 04/05/25 | 76549 | ||
| $64 | $762 | 38 | No | 76541 | ||||
| $65 | $785 | 43 | No | 76541 | ||||
| $66 | $788 | 55 | No | 76541 | ||||
| $66 | $791 | 24 | No | 76542 | ||||
| $67 | $806 | 43 | No | 76542 |
Cheapest car insurance for drivers with speeding tickets in Killeen
A speeding citation usually causes your insurance premium to rise, and depending on what speed you’re cited at, you could see a large increase. These are the cheapest quotes that drivers in Killeen with speeding tickets have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $73 | $879 | 35 | 07/11/25 | 76542 | ||
| Speeding over 15 | $78 | $940 | 38 | 10/18/25 | 76542 | ||
| Speeding under 15 | $81 | $975 | 27 | 10/26/25 | 76542 | ||
| Speeding over 15 | $94 | $1,128 | 33 | 09/05/25 | 76541 | ||
| Speeding over 15 | $98 | $1,181 | 25 | 11/05/25 | 76549 | ||
| $64 | $762 | 38 | 06/15/25 | 76541 | |||
| $65 | $785 | 43 | 07/19/25 | 76541 | |||
| $66 | $788 | 55 | 09/30/25 | 76541 | |||
| $66 | $791 | 24 | 08/05/25 | 76542 | |||
| $67 | $806 | 43 | 06/22/25 | 76542 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
