Killeen, TX
Auto and home insurance in Killeen, Texas
Commute, vehicle, and housing data for Killeen, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Killeen: 49% of households are homeowners, and 78% of commuters drive alone. With a population near 160,616, that adds up to a lot of households insuring a house and at least one vehicle.
Killeen commuting and vehicle data
| Measure | Killeen | Texas |
|---|---|---|
| Drive alone to work | 78% | 71% |
| Carpool | 11% | 10% |
| Work from home | 8% | 14% |
| Commute of 45 minutes or more | 17% | 17% |
| Commute under 15 minutes | 29% | 25% |
| Households with no vehicle | 5% | 5% |
| Households with 3 or more vehicles | 20% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are similar in Killeen than statewide: 17% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Killeen workers telecommute (8%) than the state average, which means more cars on the road at rush hour.
In Killeen, 5% of households live without a car while 20% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Killeen
Census figures put Killeen's median home value at $215,400 (Texas: $283,800) and its median year built at 1996. 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 $2,167 for homes insured in the $200,000–$224,999 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.
Texas auto minimums that apply in Killeen
Drivers in Killeen 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.
One insurer or two for a Killeen household
With 49% of households owning their home, bundling is an option for most Killeen families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
What can go wrong in Killeen
Insurers in Texas price for Gulf hurricanes near the coast and flash flooding. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
Neighboring cities and Killeen
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. San Antonio shows 14% working from home and a median home value of $235,700. Dallas shows 16% working from home and a median home value of $320,700. Killeen ranks 6th for long commutes among the 30 Texas cities we profile.
Gathering details for a Killeen auto and home quote
- When the roof was replaced
- Liability limits you want
- Mortgage company for the home
- Annual mileage for each car
- Everyone in the household who drives
- Recent claims or violations
Killeen auto and home insurance FAQ
What are the minimum car insurance limits for Killeen drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Killeen drivers have long commutes?
About 17% of Killeen workers commute 45 minutes or more and 29% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Killeen?
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 Killeen
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research