Abilene, TX
Insuring your car and home in Abilene, TX
How Abilene households can compare car and home coverage, with local Census data. A quote is not a binder.
Abilene has about 130,501 residents in Taylor County. 78% of its workers drive to work alone and 56% of households own their home, so most families here need both a car policy and a homeowners policy.
Abilene driving profile
| Measure | Abilene | Texas |
|---|---|---|
| Drive alone to work | 78% | 71% |
| Carpool | 9% | 10% |
| Work from home | 8% | 14% |
| Commute of 45 minutes or more | 5% | 17% |
| Commute under 15 minutes | 52% | 25% |
| Households with no vehicle | 4% | 5% |
| Households with 3 or more vehicles | 17% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 5% of Abilene commuters travel 45 minutes or more each way (Texas: 17%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Fewer Abilene workers telecommute (8%) than the state average, which means more cars on the road at rush hour.
In Abilene, 4% of households live without a car while 17% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Abilene homes and homeowners coverage
Census figures put Abilene's median home value at $183,700 (Texas: $283,800) and its median year built at 1975. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Texas was $2,053 for homes insured in the $150,000–$199,999 range, and $2,864 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Abilene
Drivers in Abilene must carry Texas's minimum of 30/60/25 in liability coverage (none beyond liability (PIP and UM must be rejected in writing)). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Abilene homeowners bundle?
Most Abilene homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Abilene
Around Abilene, two exposures stand out: flash flooding and Gulf hurricanes near the coast. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
Neighboring cities and Abilene
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. In San Antonio, 52% own their home and 18% of households have three or more vehicles. Dallas: 67% drive alone, 14% commute 45+ minutes, median home $320,700. Abilene ranks 30th for long commutes among the 30 Texas cities we profile.
What to have ready for a Abilene quote
- When the roof was replaced
- Commute distance and typical yearly miles
- Vehicle year, make, model, and VIN
- Lender name and loan number
- Current declarations pages for auto and home
- Target limits and deductibles
Questions from Abilene drivers and homeowners
What are the minimum car insurance limits for Abilene drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Abilene drivers have long commutes?
About 5% of Abilene workers commute 45 minutes or more and 52% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Abilene?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
Other city guides near Abilene
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research