Best Cheap Auto Insurance in Lamesa, TX (2021)

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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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: May 17, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lamesa, 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 $3,578 $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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Lamesa, Texas

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.

Annual Lamesa, Texas Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Lamesa, Texas

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.

Annual Auto Insurance Rates by Credit Score in Lamesa, Texas

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.

Annual Auto Insurance Rates by ZIP Code in Lamesa, Texas

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.

Annual Auto Insurance Rates by Commute Length in Lamesa, Texas

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.

Annual Auto Insurance Rates by Coverage Level in Lamesa, Texas

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.

Best Annual Auto Insurance Rates by Company in Lamesa, Texas

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.

Average Annual Auto Insurance Rates by Company in Lamesa, Texas

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.

Free Auto Insurance Comparison

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

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