Best Cheap Auto Insurance in Lamar, TX (2021)

The average Lamar, TX auto insurance rates are $310 per month. The minimum auto insurance in Lamar is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lamar, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Lamar for teen drivers is Allstate
  • The minimum auto insurance required in Lamar, Texas is 30/60/25
  • The cheapest auto insurance company in Lamar is USAA

Lamar, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Lamar 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 Lamar, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Lamar to other Texas cities, including Corpus Christi auto insurance rates, Austin auto insurance rates, and Plano auto insurance rates to see how Lamar, Texas auto insurance rates stack up.

Before you buy Lamar, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lamar, Texas auto insurance quotes.

Minimum Auto Insurance in Lamar, Texas

Lamar, 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 Lamar, Texas.

Minimum Required Auto Insurance Coverage in Lamar, 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 Lamar, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lamar, 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 Lamar, 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 $3,322 $3,350 $3,280 $3,280 $8,790 $10,601 $4,105 $4,273
American Family $2,810 $3,155 $2,679 $3,095 $7,861 $10,186 $4,121 $4,683
GEICO $2,198 $2,391 $2,175 $2,507 $4,747 $4,869 $2,361 $2,307
Nationwide $2,837 $2,882 $2,508 $2,654 $8,017 $10,292 $3,332 $3,605
Progressive $2,114 $1,999 $1,885 $1,922 $8,697 $9,674 $2,482 $2,500
State Farm $1,693 $1,693 $1,507 $1,507 $4,029 $5,126 $1,839 $1,892
USAA $1,485 $1,496 $1,428 $1,423 $4,170 $4,533 $1,986 $2,126

Cheap Lamar, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lamar, Texas is a challenge. Take a look at the annual teen auto insurance rates in Lamar, Texas.

Annual Auto Insurance Rates for Teen Drivers in Lamar, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,790 $10,601
American Family $7,861 $10,186
GEICO $4,747 $4,869
Nationwide $8,017 $10,292
Progressive $8,697 $9,674
State Farm $4,029 $5,126
USAA $4,170 $4,533

Cheap Lamar, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Lamar, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lamar, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,280 $3,280
American Family $2,679 $3,095
GEICO $2,175 $2,507
Nationwide $2,508 $2,654
Progressive $1,885 $1,922
State Farm $1,507 $1,507
USAA $1,428 $1,423

Cheap Lamar, 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 Lamar, Texas compared to the annual auto insurance rates with a clean record in Lamar, Texas.

Annual Lamar, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,974 $6,141 $6,410 $3,974
American Family $4,378 $5,622 $4,917 $4,378
GEICO $2,502 $3,304 $2,747 $3,223
Nationwide $3,917 $3,917 $5,804 $4,425
Progressive $3,415 $4,404 $3,981 $3,836
State Farm $2,144 $2,457 $2,900 $2,144
USAA $1,735 $2,569 $3,027 $1,991

Cheap Lamar, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lamar, Texas is not easy. Compare the annual rates for DUI auto insurance in Lamar, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Lamar, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,410
American Family $4,917
GEICO $2,747
Nationwide $5,804
Progressive $3,981
State Farm $2,900
USAA $3,027

Cheap Lamar, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lamar, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lamar, Texas

Insurance Company Poor Fair Good
Allstate $6,512 $4,775 $4,088
American Family $6,534 $4,247 $3,690
GEICO $4,532 $2,575 $1,725
Nationwide $5,435 $4,346 $3,768
Progressive $4,402 $3,802 $3,523
State Farm $3,411 $2,126 $1,696
USAA $3,390 $1,990 $1,612

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Cheap Lamar, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lamar, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Lamar, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lamar, Texas

ZIP Code Average Annual Rates
78382 $5,522

Cheap Lamar, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Lamar, Texas auto insurance. Find the cheapest annual Lamar, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lamar, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,002 $5,248
American Family $4,824 $4,824
GEICO $2,888 $3,000
Nationwide $4,516 $4,516
Progressive $3,909 $3,909
State Farm $2,411 $2,411
USAA $2,301 $2,360

Cheap Lamar, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lamar, Texas? Check out the comparison of annual Lamar, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lamar, Texas

Insurance Company Low Medium High
Allstate $5,003 $5,079 $5,292
American Family $4,435 $4,606 $5,430
GEICO $2,731 $2,883 $3,219
Nationwide $4,810 $4,320 $4,418
Progressive $3,690 $3,887 $4,150
State Farm $2,272 $2,400 $2,562
USAA $2,233 $2,317 $2,442

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Best By Category: Cheapest Auto Insurance in Lamar, Texas

Compare the cheapest auto insurance companies in Lamar, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lamar, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Lamar, Texas Auto Insurance Companies

What auto insurance companies in Lamar, Texas are the cheapest? Compare the top Lamar, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lamar, Texas

Insurance Company Average Annual Rates
Allstate $5,125
American Family $4,824
GEICO $2,944
Nationwide $4,516
Progressive $3,909
State Farm $2,411
USAA $2,331

What affects auto insurance rates in Lamar, Texas?

There are a lot of reasons why auto insurance rates in Lamar, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lamar, Texas. Many local factors may affect your Lamar auto insurance rates.

Lamar Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lamar, Texas commute length is 24.5 minutes according to City-Data.

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Compare Lamar, Texas Auto Insurance Quotes

Before you buy Lamar, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lamar, Texas auto insurance quotes.

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