Best Lufkin, Texas Auto Insurance in 2024
The average Lufkin, TX auto insurance rates are $317 per month. The minimum auto insurance in Lufkin is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lufkin, Texas, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 12, 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 12, 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
- The average commute length in Lufkin is 15.9 minutes
- The most expensive auto insurance company in Lufkin for teen drivers is Progressive
- The minimum auto insurance required in Lufkin, Texas is 30/60/25
Lufkin, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Lufkin 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 Lufkin, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Lufkin to other Texas cities, including Arlington auto insurance rates, Plano auto insurance rates, and Fort Worth auto insurance rates to see how Lufkin, Texas auto insurance rates stack up.
Before you buy Lufkin, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lufkin, Texas auto insurance quotes.
Minimum Auto Insurance in Lufkin, Texas
Lufkin, 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 Lufkin, Texas.
Minimum Required Auto Insurance Coverage in Lufkin, 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 Lufkin, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lufkin, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lufkin, Texas
| 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 | $3,589 | $3,623 | $3,543 | $3,543 | $9,455 | $11,421 | $4,441 | $4,631 |
| American Family | $2,303 | $2,563 | $2,173 | $2,485 | $6,138 | $8,014 | $3,307 | $3,765 |
| Geico | $2,409 | $2,598 | $2,321 | $2,620 | $5,244 | $5,489 | $2,606 | $2,615 |
| Nationwide | $2,366 | $2,405 | $2,092 | $2,213 | $6,714 | $8,614 | $2,780 | $3,006 |
| Progressive | $2,507 | $2,349 | $2,230 | $2,274 | $10,489 | $11,664 | $2,932 | $2,935 |
| State Farm | $2,100 | $2,100 | $1,870 | $1,870 | $5,074 | $6,477 | $2,286 | $2,358 |
| USAA | $1,641 | $1,647 | $1,569 | $1,552 | $4,674 | $5,082 | $2,186 | $2,337 |
Cheap Lufkin, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lufkin, Texas is a challenge. Take a look at the annual teen auto insurance rates in Lufkin, Texas.
Annual Auto Insurance Rates for Teen Drivers in Lufkin, Texas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,455 | $11,421 |
| American Family | $6,138 | $8,014 |
| Geico | $5,244 | $5,489 |
| Nationwide | $6,714 | $8,614 |
| Progressive | $10,489 | $11,664 |
| State Farm | $5,074 | $6,477 |
| USAA | $4,674 | $5,082 |
Cheap Lufkin, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Lufkin, Texas? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Lufkin, Texas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,543 | $3,543 |
| American Family | $2,173 | $2,485 |
| Geico | $2,321 | $2,620 |
| Nationwide | $2,092 | $2,213 |
| Progressive | $2,230 | $2,274 |
| State Farm | $1,870 | $1,870 |
| USAA | $1,569 | $1,552 |
Cheap Lufkin, 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 Lufkin, Texas compared to the annual auto insurance rates with a clean record in Lufkin, Texas.
Annual Lufkin, Texas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,301 | $6,618 | $6,903 | $4,301 |
| American Family | $3,514 | $4,439 | $3,908 | $3,514 |
| Geico | $2,750 | $3,629 | $3,035 | $3,538 |
| Nationwide | $3,275 | $3,275 | $4,847 | $3,698 |
| Progressive | $4,072 | $5,283 | $4,759 | $4,576 |
| State Farm | $2,677 | $3,076 | $3,638 | $2,677 |
| USAA | $1,924 | $2,849 | $3,362 | $2,209 |
Cheap Lufkin, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lufkin, Texas is not easy. Compare the annual rates for DUI auto insurance in Lufkin, Texas to find the best deal.
Annual Auto Insurance Rates After a DUI in Lufkin, Texas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,903 |
| American Family | $3,908 |
| Geico | $3,035 |
| Nationwide | $4,847 |
| Progressive | $4,759 |
| State Farm | $3,638 |
| USAA | $3,362 |
Cheap Lufkin, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lufkin, Texas annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Lufkin, Texas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,031 | $5,152 | $4,409 |
| American Family | $5,265 | $3,337 | $2,929 |
| Geico | $4,996 | $2,829 | $1,888 |
| Nationwide | $4,528 | $3,636 | $3,158 |
| Progressive | $5,263 | $4,545 | $4,209 |
| State Farm | $4,274 | $2,659 | $2,118 |
| USAA | $3,796 | $2,195 | $1,766 |
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Cheap Lufkin, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lufkin, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Lufkin, Texas to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Lufkin, Texas
| ZIP Code | Average Annual Rates |
|---|---|
| 75901 | $5,678 |
| 75904 | $5,715 |
Cheap Lufkin, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Lufkin, Texas auto insurance. Find the cheapest annual Lufkin, Texas auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Lufkin, Texas
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,398 | $5,663 |
| American Family | $3,844 | $3,844 |
| Geico | $3,177 | $3,298 |
| Nationwide | $3,774 | $3,774 |
| Progressive | $4,672 | $4,672 |
| State Farm | $3,017 | $3,017 |
| USAA | $2,553 | $2,618 |
Cheap Lufkin, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lufkin, Texas? Check out the comparison of annual Lufkin, Texas auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Lufkin, Texas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,407 | $5,484 | $5,700 |
| American Family | $3,563 | $3,700 | $4,268 |
| Geico | $3,077 | $3,198 | $3,439 |
| Nationwide | $4,056 | $3,611 | $3,655 |
| Progressive | $4,380 | $4,641 | $4,997 |
| State Farm | $2,863 | $3,006 | $3,182 |
| USAA | $2,498 | $2,575 | $2,685 |
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Best By Category: Cheapest Auto Insurance in Lufkin, Texas
Compare the cheapest auto insurance companies in Lufkin, Texas in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Lufkin, Texas
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Lufkin, Texas Auto Insurance Companies
What auto insurance companies in Lufkin, Texas are the cheapest? Compare the top Lufkin, Texas auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Lufkin, Texas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,531 |
| American Family | $3,844 |
| Geico | $3,238 |
| Nationwide | $3,774 |
| Progressive | $4,672 |
| State Farm | $3,017 |
| USAA | $2,586 |
What affects auto insurance rates in Lufkin, Texas?
There are a lot of reasons why auto insurance rates in Lufkin, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lufkin, Texas. Many local factors may affect your Lufkin auto insurance rates.
Lufkin Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lufkin, Texas auto theft statistics, there have been 76 auto thefts in the city.
Lufkin Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lufkin, Texas commute length is 15.9 minutes according to City-Data.
Lufkin Traffic
How does Lufkin, Texas rank for traffic? According to Inrix Lufkin, Texas is the 904th most congested worldwide.
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Compare Lufkin, Texas Auto Insurance Quotes
Before you buy Lufkin, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lufkin, Texas auto insurance quotes.
Frequently Asked Questions
What types of auto insurance coverage are available in Lufkin, TX?
The types of auto insurance coverage available in Lufkin, TX are similar to those offered in other areas. They typically include liability coverage, which is required by law, as well as optional coverages such as collision coverage, comprehensive coverage, medical payments coverage, uninsured/underinsured motorist coverage, and additional add-ons or endorsements based on individual needs.
What is the minimum auto insurance coverage required in Lufkin, TX?
In Lufkin, TX, the minimum auto insurance coverage required is liability coverage. The state mandates that drivers carry at least the following minimum liability limits: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident. It’s important to note that these are the minimum requirements, and higher coverage limits may be advisable for greater protection.
How can I find affordable auto insurance in Lufkin, TX?
To find affordable auto insurance in Lufkin, TX, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance agents or brokers who work with various companies, utilize online comparison tools, or directly visit the websites of insurance providers to obtain quotes. Additionally, consider factors such as your driving record, the type of vehicle you own, available discounts, and your desired coverage limits when seeking affordable options.
What factors can affect my auto insurance rates in Lufkin, TX?
Several factors can influence your auto insurance rates in Lufkin, TX. These may include your age, gender, marital status, driving history, type of vehicle, annual mileage, credit score, and the coverage options you choose. Additionally, local factors such as the area where you reside and the frequency of accidents or thefts in that area can impact your rates.
Are there any specific discounts available for auto insurance in Lufkin, TX?
Yes, there are various discounts available for auto insurance in Lufkin, TX. Insurance companies often offer discounts for safe driving records, multiple policies (such as bundling auto and homeowners insurance), good student discounts, vehicle safety features, and anti-theft devices. It’s advisable to inquire with insurance providers about the discounts they offer and determine if you qualify for any.
Can I purchase additional coverage options for my auto insurance in Lufkin, TX?
Yes, in addition to the required liability coverage, you can purchase additional coverage options for your auto insurance in Lufkin, TX. Optional coverages may include collision coverage to protect against vehicle damage in a collision, comprehensive coverage for non-collision incidents (such as theft, vandalism, or weather damage), and other add-ons like rental car reimbursement or roadside assistance. Discuss your specific needs with insurance providers to determine the best coverage options for you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
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.