cheap car insurance in Abilene

 The average cost of car insurance in Abilene is less than the state average, which is $1,823 per year for full coverage and $524 per year for minimum coverage. In comparison, the average car insurance rate in the United States is $1,674 for full coverage and $563 for minimum coverage.

 

Car insurance rates, on the other hand, can vary significantly depending on the company that underwrites your policy. If you're looking for low-cost car insurance in Texas, these are the most affordable options from the most popular carriers, ranked by market share:

When comparing insurance providers, it is critical to consider factors other than price. For example, USAA is the cheapest overall provider, but you must be eligible for coverage. Geico is the second cheapest provider, and it will sell coverage to anyone. 

The same can be said for coverage options. Geico and State Farm have fewer recommendations than the other companies on this list. If you want to tailor your policy, start with Allstate or Nationwide. All five providers provide excellent discounts that can assist you in obtaining a lower rate.

Insurance requirements in Abilene

 

If you own a Texas-registered vehicle, you must have car insurance in Abilene. Drivers are required to carry a minimum amount of car insurance, which is denoted as 30/60/25. This includes the following liability insurance coverages: 

Per person, bodily injury coverage of $30,000 is provided

Per accident, bodily injury coverage of $60,000 is provided

Property damage coverage of $25,000 per accident

Drivers looking for cheap car insurance in Abilene may be tempted to purchase a policy with minimal coverage. Liability-only insurance, on the other hand, may not cover the full cost of an at-fault accident. If your financial responsibility exceeds the policy's limit, you must make up the difference with out-of-pocket expenses. 

Furthermore, some drivers are required to have full coverage insurance. This is common for drivers who lease or finance their vehicle through a lender. If you want to protect your vehicle, you must purchase a full coverage policy that includes comprehensive and collision coverage.

Abilene car insurance discounts

Many Abilene car insurance companies offer discounts that can help drivers get a lower rate. The following are some of the most common car insurance discounts in the city: 

Discount for paying your annual premium in full: Drivers who can afford to pay their annual premium in full can usually qualify for a discount on their car insurance policy.

 

Good student discount: Good students, typically high school or college students with a minimum GPA, can frequently obtain a lower car insurance rate.

 

Claims-free discount: Drivers who have had no prior insurance losses in the last several years are eligible for a claims-free discount.

Discount for bundling policies: If you own a home, you can usually get a discount on your car insurance policy, and you can save even more by bundling your policies.

 

A combination of discounts may help you get a low rate, but those that are directly related to your driving or financial history are likely to have the most impact. Paying your car insurance in full upfront, for example, not only eliminates an entire monthly bill, but also earns you a discount for being proactive.