Best Lamesa, Texas Auto Insurance in 2024
The average Lamesa, TX auto insurance rates are $314 per month. The minimum auto insurance in Lamesa is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lamesa, Texas, compare quotes from multiple companies.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Lamesa, TX for senior drivers are $2,308 per year
- The most expensive auto insurance company in Lamesa for teen drivers is Progressive
- The average commute length in Lamesa is 16.4 minutes
Lamesa, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Lamesa can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lamesa, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Lamesa to other Texas cities, including Austin auto insurance rates, Fort Worth auto insurance rates, and San Antonio auto insurance rates to see how Lamesa, Texas auto insurance rates stack up.
Before you buy Lamesa, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lamesa, Texas auto insurance quotes.
Minimum Auto Insurance in Lamesa, Texas
Lamesa, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lamesa, 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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Cheap Lamesa, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lamesa, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,578 | $3,634 | $3,538 | $3,538 | $9,210 | $11,209 | $4,458 | $4,686 |
| American Family | $2,346 | $2,595 | $2,164 | $2,461 | $5,914 | $7,764 | $3,305 | $3,763 |
| Geico | $2,629 | $2,801 | $2,450 | $2,731 | $5,595 | $5,839 | $2,853 | $2,882 |
| Nationwide | $2,652 | $2,712 | $2,331 | $2,486 | $7,378 | $9,563 | $3,099 | $3,373 |
| Progressive | $2,550 | $2,471 | $2,239 | $2,299 | $9,941 | $11,093 | $3,050 | $3,133 |
| State Farm | $1,757 | $1,757 | $1,557 | $1,557 | $4,084 | $5,184 | $1,902 | $1,965 |
| USAA | $1,558 | $1,606 | $1,464 | $1,501 | $3,909 | $4,372 | $2,090 | $2,325 |
Cheap Lamesa, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lamesa, Texas is a challenge. Take a look at the annual teen auto insurance rates in Lamesa, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,210 | $11,209 |
| American Family | $5,914 | $7,764 |
| Geico | $5,595 | $5,839 |
| Nationwide | $7,378 | $9,563 |
| Progressive | $9,941 | $11,093 |
| State Farm | $4,084 | $5,184 |
| USAA | $3,909 | $4,372 |
Cheap Lamesa, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Lamesa, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,538 | $3,538 |
| American Family | $2,164 | $2,461 |
| Geico | $2,450 | $2,731 |
| Nationwide | $2,331 | $2,486 |
| Progressive | $2,239 | $2,299 |
| State Farm | $1,557 | $1,557 |
| USAA | $1,464 | $1,501 |
Cheap Lamesa, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lamesa, Texas compared to the annual auto insurance rates with a clean record in Lamesa, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,327 | $6,510 | $6,761 | $4,327 |
| American Family | $3,462 | $4,383 | $3,850 | $3,462 |
| Geico | $2,944 | $3,830 | $3,294 | $3,821 |
| Nationwide | $3,623 | $3,623 | $5,439 | $4,112 |
| Progressive | $4,015 | $5,121 | $4,705 | $4,548 |
| State Farm | $2,209 | $2,516 | $2,949 | $2,209 |
| USAA | $1,787 | $2,568 | $3,006 | $2,051 |
Cheap Lamesa, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lamesa, Texas is not easy. Compare the annual rates for DUI auto insurance in Lamesa, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,761 |
| American Family | $3,850 |
| Geico | $3,294 |
| Nationwide | $5,439 |
| Progressive | $4,705 |
| State Farm | $2,949 |
| USAA | $3,006 |
Cheap Lamesa, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lamesa, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,990 | $5,100 | $4,354 |
| American Family | $5,252 | $3,263 | $2,852 |
| Geico | $5,367 | $3,032 | $2,018 |
| Nationwide | $5,059 | $4,032 | $3,507 |
| Progressive | $5,228 | $4,456 | $4,107 |
| State Farm | $3,499 | $2,177 | $1,735 |
| USAA | $3,528 | $1,968 | $1,564 |
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Cheap Lamesa, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lamesa, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Lamesa, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 79331 | $5,482 |
Cheap Lamesa, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Lamesa, Texas auto insurance. Find the cheapest annual Lamesa, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,357 | $5,606 |
| American Family | $3,789 | $3,789 |
| Geico | $3,398 | $3,547 |
| Nationwide | $4,199 | $4,199 |
| Progressive | $4,597 | $4,597 |
| State Farm | $2,470 | $2,470 |
| USAA | $2,322 | $2,384 |
Cheap Lamesa, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lamesa, Texas? Check out the comparison of annual Lamesa, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,388 | $5,447 | $5,609 |
| American Family | $3,554 | $3,663 | $4,151 |
| Geico | $3,318 | $3,435 | $3,665 |
| Nationwide | $4,557 | $4,013 | $4,028 |
| Progressive | $4,424 | $4,581 | $4,786 |
| State Farm | $2,353 | $2,463 | $2,595 |
| USAA | $2,300 | $2,347 | $2,412 |
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Best By Category: Cheapest Auto Insurance in Lamesa, Texas
Compare the cheapest auto insurance companies in Lamesa, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Lamesa, Texas Auto Insurance Companies
What auto insurance companies in Lamesa, Texas are the cheapest? Compare the top Lamesa, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,481 |
| American Family | $3,789 |
| Geico | $3,472 |
| Nationwide | $4,199 |
| Progressive | $4,597 |
| State Farm | $2,470 |
| USAA | $2,353 |
What affects auto insurance rates in Lamesa, Texas?
There are a lot of reasons why auto insurance rates in Lamesa, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lamesa, Texas. Many local factors may affect your Lamesa auto insurance rates.
Lamesa Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lamesa, Texas auto theft statistics, there have been 19 auto thefts in the city.
Lamesa Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lamesa, Texas commute length is 16.4 minutes according to City-Data.
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Compare Lamesa, Texas Auto Insurance Quotes
Before you buy Lamesa, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lamesa, Texas auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Lamesa, TX?
Yes, auto insurance is mandatory in Lamesa, TX, as it is in most states. Texas law requires all drivers to carry a minimum amount of liability insurance to cover injuries or damages caused to others in an accident.
What is the minimum auto insurance coverage required in Lamesa, TX?
In Texas, the minimum auto insurance coverage required includes liability coverage with limits of 30/60/25. This means $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage.
What factors can affect my auto insurance rates in Lamesa, TX?
Several factors can impact your auto insurance rates in Lamesa, TX. These factors include your driving history, age, gender, marital status, type of vehicle, credit score, and the coverage options you choose. Additionally, local factors such as the rate of accidents and crime in your area can also influence your rates.
Can I use my personal auto insurance for business purposes in Lamesa, TX?
Generally, personal auto insurance policies do not cover vehicles used for business purposes. If you use your vehicle for business activities, such as making deliveries or transporting clients, you may need a separate commercial auto insurance policy to ensure proper coverage.
Are there any discounts available for auto insurance in Lamesa, TX?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums. Common discounts include safe driver discounts, multi-vehicle discounts, bundling auto and home insurance, good student discounts, and discounts for installing anti-theft devices or safety features in your vehicle.
What should I do after a car accident in Lamesa, TX?
After a car accident in Lamesa, TX, you should prioritize your safety and the safety of others involved. Call emergency services if necessary and exchange information with the other driver(s) involved. It’s important to report the accident to your insurance company as soon as possible and cooperate fully with their claims process.
Can I choose any auto repair shop for repairs after an accident in Lamesa, TX?
In most cases, you have the right to choose any auto repair shop you prefer for repairs after an accident in Lamesa, TX. However, if you have chosen a repair shop that charges rates significantly higher than the prevailing market rates, your insurance company may only cover the reasonable costs of repairs.
Can my auto insurance policy be canceled in Lamesa, TX?
Yes, auto insurance policies can be canceled in Lamesa, TX, under certain circumstances. Insurance companies may cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a suspended driver’s license. It’s important to maintain a good driving record and pay your premiums on time to avoid policy cancellations.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.