Abilene drivers pay an average of $2,584/year — $813 more than the national average. With 1,506 crashes per year and a 2.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $868/year.
(888) 217-6781Estimated full coverage auto insurance rates for Abilene, TX from top carriers. Rates are adjusted for Abilene's 1,506 annual crashes, 2.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $859 | $143/mo |
| GEICO | $980 | $163/mo |
| Progressive | $1,106 | $184/mo |
| State Farm | $1,208 | $201/mo |
| Allstate | $1,472 | $245/mo |
Estimates based on 2026 rate filings for ZIP 79699. USAA is cheapest at ~$143/mo. Actual rates vary by driver profile and exact Abilene location.
These Abilene-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Abilene, TX. Takes under 2 minutes.
(888) 217-6781Abilene is a mid-size city in Texas with a population of 125,182. While it avoids the extreme congestion of larger metros, Abilene has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in Abilene typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Abilene can swing your premium by hundreds of dollars. Here's how rates compare across Abilene neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 79711 | Abilene South Side | $2,451/yr | $204/mo |
| 79700 | Abilene North Side | $2,489/yr | $207/mo |
| 79711 | Abilene West Side | $2,547/yr | $212/mo |
| 79709 | Abilene East Side | $2,678/yr | $223/mo |
| 79699 | Abilene Downtown/Central | $2,743/yr | $229/mo |
The cheapest ZIP is 79711 (Abilene South Side) at $2,451/yr. The most expensive is 79699 (Abilene Downtown/Central) at $2,743/yr — a $292/year difference for the same driver.
Your Abilene ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Abilene. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,426/yr | $452/mo | +110% vs avg |
| Young Adult (20-25) | $3,618/yr | $302/mo | +40% vs avg |
| Adult (26-35) | $2,584/yr | $215/mo | 0% vs avg |
| Mid-Career (36-50) | $2,274/yr | $190/mo | -12% vs avg |
| Senior (51-65) | $2,145/yr | $179/mo | -17% vs avg |
| 65+ | $2,300/yr | $192/mo | -11% vs avg |
Teens in Abilene pay an average of $5,426/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,145/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Abilene drivers can save up to $868/year. ZIP 79711 (Abilene South Side) has the lowest rates starting at $2,451/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes