Lone Star Auto Insurance Review (2024)

Lone Star offers a variety of insurance, including commercial auto insurance. The average commercial rates are $300/mo. However, Lone Start sells business insurance and does not offer personal auto policies. Use this Lone Star auto insurance review to get free car insurance quotes from other companies.

UPDATED: Sep 22, 2023

Advertiser Disclosure

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.

UPDATED: Sep 22, 2023Fact Checked

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

UPDATED: Sep 22, 2023

Advertiser Disclosure

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 22, 2023

Advertiser Disclosure

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.

UPDATED: Sep 22, 2023

Advertiser Disclosure

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.

UPDATED: Sep 22, 2023Fact Checked

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Lone Star

Average monthly rate for good drivers:

$121

A.M. Best rating:

A

Complaint level:

Low

Final Verdict: Review of Lone Star

Lone Star National Insurance Company is the topic of this auto insurance review. It’s a commercial insurance company that sells commercial auto insurance as well as other insurance products in 43 states.

Lone Star specializes in lumber yard insurance and does not sell any types of auto insurance at this time.

Lone Star is a member of the Indiana Lumbermen’s Mutual Insurance Company. Indiana Lumbermen’s Mutual Insurance Company owns both Lone Star National Insurance Company and the National Building Material Assurance Company.

Lone Star National Insurance Company is the topic of this auto insurance review. It's also a commercial insurance company that sells commercial auto insurance as well as other insurance products in 43 states. Lone Star is a member of the Indiana Lumbermen’s Mutual Insurance Company. Indiana Lumbermen’s Mutual Insurance Company owns both Lone Star National Insurance Company and the National Building Material Assurance Company.

What You Should Know About Lone Star

Lone Star utilizes both independent agents and agents that are hired directly by the company.

Because it doesn’t have offices in every state where it sells insurance products, you may feel more comfortable using an independent agent. However, if you don’t mind doing your insurance business on the phone or online, then using the company directly is certainly an option for you.

Lone Star Auto Insurance Claims

Lone Star claims that their claims department handles their claims faster than anyone else. When you file a claim, you will be contacted the same day regarding that claim.

You can report a claim by:

  • Filing your claim online
  • Emailing a claim to a customer service rep
  • Faxing your claim to the customer service department
  • Calling the customer service department directly

Lone Star doesn’t provide any information regarding the hours worked by their customer service and claims staff.

In addition, the company has separate phone numbers for you to call for different claims. These are categorized as:

  • Casualty Losses (Auto, Premises, or Products Liability)
  • Property Losses (Fire, Lightning, Wind, or Hail)
  • Workers Compensation Injuries

In order to file a claim, you must report the claim within 24 hours of the loss.

The exception here is if you have an emergency situation, such as being in the hospital, which prevents you from filing the claim within that time frame.

Lone Star Auto Insurance Quotes

Because this is a commercial insurance business, you will not be able to get quotes for your services online. If you want a quote, all you need to do is call the customer service department, and they will connect you with an agent who can help you.

Getting a commercial auto insurance quote is far different than getting a personal one. They will do a risk assessment of your business to determine what your car insurance rates will be.

If you are purchasing insurance other than auto insurance, an adjuster may need to come to your place of business to determine the in-house risks that are posed.

Lone Star specializes in lumber yard insurance, which means that the risks are even higher for certain losses due to fire. An inspection of your property will be required if this is the type of business that you run.

While it can take several days to get a quote, your quote will be a binding one. In other words, the company will not be allowed to change the quote for a determined amount of days. Once they put it in writing for you, they have to honor it.

This differs from a quote tool option because when you get a quote via a quote tool, every variable cannot be calculated.

For instance, if you are getting a quote for a vehicle used for your business, a quote tool cannot determine the risk factors for your driver in terms of the goods that they are carrying, how heavy their loads are, and so on.

Lone Star Insurance Coverage Options

Lone Star writes a variety of product types, which include:

  • IML Protector
  • Commercial Output Policy
  • General Liability
  • Commercial Auto
  • Equipment Breakdown
  • Inland Marine
  • Business Interruption and Extra Expense
  • Commercial Umbrella
  • Crime Coverage
  • Fiduciary Liability Coverage
  • Fidelity, Surety & Contract Bonds

When first in business, Indiana Lumbermen’s wrote policies for both businesses and individuals, however, today the company focuses only on business insurance solutions.

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Lone Star Discounts Available

Lone Star may offer various auto insurance discounts to their policyholders. These discounts can vary, but common ones include safe driver discounts, multi-policy discounts (if you have multiple policies with Lone Star), discounts for completing driver’s education courses, and discounts for installing safety devices in your vehicle. It’s best to inquire about available discounts directly with Lone Star.

Frequently Asked Questions

What is Lone Star Auto Insurance?

Lone Star Auto Insurance is an insurance company that specializes in providing coverage for automobiles. They offer a range of insurance options to protect your vehicle and provide financial assistance in the event of accidents, theft, or other incidents.

What types of auto insurance policies does Lone Star offer?

Lone Star Auto Insurance offers various types of policies to meet different needs. These may include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP). They also offer additional optional coverages such as roadside assistance and rental reimbursement.

How can I get Lone Star auto insurance quotes?

To get a quote from Lone Star Auto Insurance, you can visit their website or call their customer service hotline. They will ask you for information about your vehicle, driving history, and personal details to provide an accurate quote. You can also inquire about any discounts or special offers that may be available.

What factors affect the cost of Lone Star auto insurance?

Several factors influence the cost of auto insurance with Lone Star. These may include your driving record, the type of vehicle you own, your age and gender, your location, and the coverage options you choose. Additionally, factors such as your credit history and annual mileage driven can also impact your insurance premium.

How can I make payments for my Lone Star auto insurance policy?

Lone Star Auto Insurance offers different payment options to make it convenient for their policyholders. You can typically make payments online through their website or mobile app. They may also accept payments via phone, mail, or automatic deductions from your bank account.

Can I add additional drivers to my Lone Star auto insurance policy?

Yes, you can typically add additional drivers to your Lone Star auto insurance policy. However, it’s important to inform your insurance provider about any additional drivers and provide their relevant information, such as their age, driving history, and relationship to you. Adding a driver to your policy may affect your premium.

Can I cancel my Lone Star auto insurance policy?

Yes, you can usually cancel your Lone Star auto insurance policy. However, the process may vary, so it’s important to review your policy terms and contact Lone Star directly to understand the cancellation procedures and any potential fees or penalties that may apply.

What auto insurance company is usually the cheapest?

Geico and State Farm typically offer the cheapest auto insurance rates in most states, but you’ll find the lowest price for car insurance by comparison shopping online. Use our comparison tool above to get free quotes from local companies.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

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.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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