Auto Insurance in Killeen (76542)
Texas · Very Affordable · 24th percentile statewide
Carrier Rates in 76542
6-month premiums from SERFF rate filings. Standard driver profile.
How 76542 Compares
Killeen (76542) is very affordable for auto insurance in Texas, ranking in the 24th percentile.
The cheapest carrier is USAA at $330/6mo — 50% less than the most expensive (State Farm at $657).
The median premium of $404 is 20% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Killeen (76542)?
The median 6-month premium in Killeen (76542) is $404 across 5 carriers. Premiums range from $330 to $657, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 76542?
USAA offers the lowest rate in 76542 at $330/6mo. That's 50% less than the most expensive option (State Farm at $657/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 76542?
Auto insurance rates in Killeen (76542) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Killeen ranks in the 24th percentile statewide, meaning it's very affordable compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 76542?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.