Kerrville drivers pay an average of $2,317/year — $546 more than the national average. With 295 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $601/year.
(888) 217-6781Estimated full coverage auto insurance rates for Kerrville, TX from top carriers. Rates are adjusted for Kerrville's 295 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $771 | $128/mo |
| GEICO | $878 | $146/mo |
| Progressive | $991 | $165/mo |
| State Farm | $1,083 | $181/mo |
| Allstate | $1,320 | $220/mo |
Estimates based on 2026 rate filings for ZIP 78028. USAA is cheapest at ~$128/mo. Actual rates vary by driver profile and exact Kerrville location.
These Kerrville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Kerrville, TX. Takes under 2 minutes.
(888) 217-6781Kerrville is a smaller city in Texas with a population of 24,278. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Kerrville.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Kerrville can swing your premium by hundreds of dollars. Here's how rates compare across Kerrville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 78031 | Kerrville South Side | $2,218/yr | $185/mo |
| 78032 | Kerrville North Side | $2,230/yr | $186/mo |
| 78036 | Kerrville West Side | $2,318/yr | $193/mo |
| 78038 | Kerrville East Side | $2,343/yr | $195/mo |
| 78028 | Kerrville Downtown/Central | $2,473/yr | $206/mo |
The cheapest ZIP is 78031 (Kerrville South Side) at $2,218/yr. The most expensive is 78028 (Kerrville Downtown/Central) at $2,473/yr — a $255/year difference for the same driver.
Your Kerrville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Kerrville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,866/yr | $406/mo | +110% vs avg |
| Young Adult (20-25) | $3,244/yr | $270/mo | +40% vs avg |
| Adult (26-35) | $2,317/yr | $193/mo | 0% vs avg |
| Mid-Career (36-50) | $2,039/yr | $170/mo | -12% vs avg |
| Senior (51-65) | $1,923/yr | $160/mo | -17% vs avg |
| 65+ | $2,062/yr | $172/mo | -11% vs avg |
Teens in Kerrville pay an average of $4,866/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,923/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.
Kerrville drivers can save up to $601/year. ZIP 78031 (Kerrville South Side) has the lowest rates starting at $2,218/yr.
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