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Cheap Car Insurance in Killeen, Texas

Find cheap car insurance in Killeen, a mid-sized city in central Texas about 70 miles north of Austin. Home to an estimated 140,806, the city’s economy is heavily linked with nearby Fort Hood, a U.S. Army installation considered the largest military base in the world by area. Fort Hood is the largest employer, followed by Central Texas College and MetroPlex Hospital.

Located within Bell County, Killeen is unfortunately known to many as the site of the Luby’s massacre, a 1991 mass shooting in which 23 people lost their lives and another 27 were injured. Killeen’s most notable residents include actors Burt Reynolds and Burgess Meredith, singer Amerie, Oveta Culp Hobby, the first woman to earn the rank of colonel in the U.S. Army, and even Elvis Presley, who was stationed at Fort Hood and lived in the city for seven months during training.

Driving Conditions in Killeen

Major corridors in Killeen are Interstate 14/U.S. Highway 190 and State Highway 195, which intersect just south of Fort Hood. Access to Interstate 35, which runs north to Dallas and south directly into Austin, is only 16 miles away in Belton.

Be warned, however, that traffic on I-35 particularly into Austin is often congested especially during peak hours. The average commute time for Killeen is less than 21 minutes, below the national average of just under 26 minutes. Current information on accidents, construction and weather-related delays is available at or

Unique Laws in Killeen

For 20 years, Killeen has enforced a youth curfew requiring everyone under 18 to be indoors from 11 p.m. to 6 a.m. on school nights and between midnight and 6 a.m. weekends and summers.

Beginning this year, applicants for a Texas driver’s license must take a course in distracted driving in addition to other requirements. A course specifically for drivers 35 and older is expected to be added in 2018.

In Texas, adults can legally ride in the bed of a truck, according to Texas state laws. There are even exceptions when it comes to children riding in truck beds, one being if the truck is the family’s only vehicle. After an auto accident, there is a two-year statute of limitations on filing a lawsuit for personal injury or property damage.

Killeen Crime Statistics

FBI statistics compiled for 2016 show 996 violent crimes in Killeen for that year, about two-thirds of which were aggravated assaults. Sixteen were murder or manslaughter. Killeen’s violent crime rate of 695 offenses per 100,000 residents is higher than the average U.S. violent crime rate of 386 offense per 100,000. The property crime rate for 2016 was 2,574 per 100,000 residents, also slightly above the U.S. average, which is 2,451 per 100,000.

Within Killeen, 351 vehicles were stolen in 2016, FBI data shows, a rate of 245 incidents per 100,00 people, just above the national average of 220 incidents per 100,000.

Killeen Safety Requirements

Texas law requires children younger than 8 to ride in car seats unless he or she is taller than 4 feet, 9 inches, the Texas Department of Transportation states. A safety seat is also required to be used according to manufacturer’s directions. Not complying with those directions, according to TxDOT, could result in a $250 fine. Texas officials have stepped up enforcement in light of a 2017 study of nearly 14,000 children in 14 Texas cities that shows 33.5 percent of children from birth to age 4 were buckled incorrectly or not at all.

A statewide ban on driving while texting went into effect in September 2017. Seat belts are mandatory for all drivers and front-seat passengers and for minors whether in the front or rear seats, Texas law states. Fines and court costs of up to $200 can result for not buckling up.

Impaired Driving Laws in Killeen

According to state laws, a person is legally intoxicated and may be arrested and charged with Driving While Intoxicated with a .08 BAC (blood or breath alcohol concentration) in Texas. However, a driver can also be deemed intoxicated if impaired due to alcohol or other drugs regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car.

First offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver’s license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver’s license. Charges are enhanced if there is a passenger younger than 15 in the car. Regardless of your background or circumstances, it’s not impossible to find cheap car insurance in Killeen; contact us for rate comparisons.

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