Cheap Quotes for Keene, TX Car Insurance (2021)

Keene, Texas car insurance rates average $292 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Keene, TX companies, you can find cheap Keene car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • Average car insurance rates in Keene, TX are $292/month
  • Average car insurance rates in Keene, TX after a DUI are $4,017/year
  • Average car insurance rates in Keene, TX for senior drivers are $2,140/year

How do the Keene, Texas monthly average car insurance rates of $292/month compare to nearby cities like Plano car insurance rates, San Antonio car insurance rates, and El Paso car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Keene, TX.

We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Keene, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Keene, Texas companies to find the most affordable Keene car insurance rates.

Enter your ZIP code above to find cheap Keene, TX car insurance quotes today.

What are the minimum Keene, TX car insurance requirements?

To meet Texas minimum car insurance coverage requirements, Keene, TX drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Keene, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Keene, TX car insurance rates?

Three of the criteria that most affect car insurance rates in Keene, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Keene car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Keene, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,394 $3,415 $3,349 $3,349 $9,146 $11,011 $4,195 $4,357
American Family $2,273 $2,518 $2,113 $2,408 $5,824 $7,617 $3,218 $3,660
GEICO $2,294 $2,482 $2,225 $2,523 $5,078 $5,297 $2,484 $2,486
Nationwide $2,145 $2,178 $1,899 $2,007 $6,086 $7,798 $2,521 $2,724
Progressive $1,991 $1,892 $1,786 $1,812 $8,414 $9,403 $2,356 $2,395
State Farm $1,952 $1,952 $1,744 $1,744 $4,779 $6,109 $2,130 $2,194
USAA $1,577 $1,588 $1,507 $1,497 $4,379 $4,771 $2,096 $2,248

How much do teen drivers pay for car insurance in Keene, TX?

Keene, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Keene car insurance rates from multiple Keene, Texas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Keene, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,146 $11,011
American Family $5,824 $7,617
GEICO $5,078 $5,297
Nationwide $6,086 $7,798
Progressive $8,414 $9,403
State Farm $4,779 $6,109
USAA $4,379 $4,771

How much do senior drivers pay for car insurance in Keene, TX?

With a little research, seniors can find affordable car insurance in Keene, Texas. Here’s a look at how the top Keene car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Keene, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,349 $3,349
American Family $2,113 $2,408
GEICO $2,225 $2,523
Nationwide $1,899 $2,007
Progressive $1,786 $1,812
State Farm $1,744 $1,744
USAA $1,507 $1,497

How does coverage level affect Keene, TX car insurance rates?

How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Keene, TX car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Keene, Texas

Insurance Company Low Medium High
Allstate $5,154 $5,231 $5,446
American Family $3,439 $3,565 $4,107
GEICO $2,955 $3,075 $3,296
Nationwide $3,674 $3,276 $3,310
Progressive $3,579 $3,740 $3,949
State Farm $2,675 $2,817 $2,985
USAA $2,374 $2,448 $2,551

How does your driving record affect Keene, TX car insurance rates?

Safe driving pays off. The more traffic violations you have in Keene, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Keene, Texas companies.

Annual Keene, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,059 $6,347 $6,642 $4,059
American Family $3,393 $4,268 $3,762 $3,393
GEICO $2,641 $3,506 $2,902 $3,386
Nationwide $2,970 $2,970 $4,387 $3,351
Progressive $3,281 $4,242 $3,820 $3,681
State Farm $2,500 $2,881 $3,421 $2,500
USAA $1,835 $2,706 $3,184 $2,107

How does a DUI affect Keene, TX car insurance rates?

With even one DUI on your record, you can see an increase in your Keene, TX car insurance rates.

Annual Car Insurance Rates After a DUI in Keene, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,642
American Family $3,762
GEICO $2,902
Nationwide $4,387
Progressive $3,820
State Farm $3,421
USAA $3,184

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How does your credit history affect Keene, TX car insurance rates?

Take a look at the data here to see how your Keene, Texas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Keene, Texas

Insurance Company Poor Fair Good
Allstate $6,695 $4,919 $4,217
American Family $5,106 $3,199 $2,806
GEICO $4,792 $2,718 $1,816
Nationwide $4,093 $3,297 $2,869
Progressive $4,214 $3,658 $3,396
State Farm $3,999 $2,491 $1,986
USAA $3,613 $2,084 $1,676

How does your commute affect Keene, TX car insurance rates?

Keene, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Keene if you’re financing.

Annual Car Insurance Rates by Commute Length in Keene, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,148 $5,406
American Family $3,704 $3,704
GEICO $3,054 $3,163
Nationwide $3,420 $3,420
Progressive $3,756 $3,756
State Farm $2,826 $2,826
USAA $2,426 $2,489

Who has the cheapest Keene, TX car insurance rates?

Here’s a breakdown of Keene, Texas car insurance rates by company. You can see which company offers the cheapest Keene car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Keene, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

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What are the top Keene, TX car insurance companies?

Which Keene, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Keene companies to find the one for you.

Average Annual Car Insurance Rates by Company in Keene, Texas

Insurance Company Average Annual Rates
Allstate $5,277
American Family $3,704
GEICO $3,109
Nationwide $3,420
Progressive $3,756
State Farm $2,826
USAA $2,458

What factors affect Keene, TX car insurance rates?

Why are Keene, Texas car insurance rates different than rates in Plano or San Antonio? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Keene, TX?

FBI statistics show that the Keene, Texas car theft rate is 6 thefts each year. High theft rates can lead to higher than average Keene, TX car insurance rates.

How long is the average commute in Keene, TX?

More time spent behind the wheel can lead to higher Keene, Texas car insurance rates. In Keene, TX, the average commute length is 25.7 minutes.

Car Insurance Quotes for Keene, TX

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