Best Cheap Auto Insurance in Live Oak, TX (2021)

The average Live Oak, TX auto insurance rates are $330 per month. The minimum auto insurance in Live Oak is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Live Oak, 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

  • The minimum auto insurance required in Live Oak, Texas is 30/60/25
  • Average auto insurance rates in Live Oak, TX for senior drivers are $2,399 per year
  • The most expensive auto insurance company in Live Oak for teen drivers is Progressive

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

Compare auto insurance in Live Oak to other Texas cities, including Arlington auto insurance rates, Austin auto insurance rates, and San Antonio auto insurance rates to see how Live Oak, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Live Oak, Texas

Live Oak, 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 Live Oak, Texas.

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

Auto insurance rates in Live Oak, 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 Live Oak, 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 $3,476 $3,502 $3,430 $3,430 $9,247 $11,151 $4,297 $4,469
American Family $2,930 $3,281 $2,800 $3,226 $8,306 $10,909 $4,312 $4,942
GEICO $2,457 $2,661 $2,384 $2,732 $5,467 $5,596 $2,658 $2,624
Nationwide $2,271 $2,306 $2,010 $2,124 $6,457 $8,274 $2,671 $2,886
Progressive $2,362 $2,241 $2,108 $2,144 $10,016 $11,193 $2,800 $2,843
State Farm $2,235 $2,235 $1,998 $1,998 $5,427 $6,925 $2,436 $2,504
USAA $1,673 $1,670 $1,612 $1,585 $4,831 $5,216 $2,224 $2,353

Cheap Live Oak, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Live Oak, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,247 $11,151
American Family $8,306 $10,909
GEICO $5,467 $5,596
Nationwide $6,457 $8,274
Progressive $10,016 $11,193
State Farm $5,427 $6,925
USAA $4,831 $5,216

Cheap Live Oak, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Live Oak, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,430 $3,430
American Family $2,800 $3,226
GEICO $2,384 $2,732
Nationwide $2,010 $2,124
Progressive $2,108 $2,144
State Farm $1,998 $1,998
USAA $1,612 $1,585

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

Annual Live Oak, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,153 $6,459 $6,736 $4,153
American Family $4,633 $5,907 $5,180 $4,633
GEICO $2,817 $3,740 $3,103 $3,629
Nationwide $3,148 $3,148 $4,651 $3,552
Progressive $3,891 $5,043 $4,543 $4,376
State Farm $2,851 $3,283 $3,894 $2,851
USAA $1,960 $2,922 $3,450 $2,251

Cheap Live Oak, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Live Oak, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,736
American Family $5,180
GEICO $3,103
Nationwide $4,651
Progressive $4,543
State Farm $3,894
USAA $3,450

Cheap Live Oak, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Live Oak, Texas

Insurance Company Poor Fair Good
Allstate $6,827 $5,007 $4,291
American Family $6,938 $4,430 $3,897
GEICO $5,130 $2,903 $1,935
Nationwide $4,343 $3,494 $3,037
Progressive $5,017 $4,345 $4,029
State Farm $4,550 $2,841 $2,269
USAA $3,852 $2,258 $1,826

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Cheap Live Oak, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Live Oak, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,241 $5,509
American Family $5,088 $5,088
GEICO $3,262 $3,383
Nationwide $3,625 $3,625
Progressive $4,463 $4,463
State Farm $3,220 $3,220
USAA $2,612 $2,679

Cheap Live Oak, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Live Oak, Texas

Insurance Company Low Medium High
Allstate $5,254 $5,330 $5,541
American Family $4,695 $4,885 $5,684
GEICO $3,126 $3,281 $3,561
Nationwide $3,900 $3,473 $3,502
Progressive $4,246 $4,443 $4,701
State Farm $3,033 $3,208 $3,418
USAA $2,537 $2,632 $2,768

Best By Category: Cheapest Auto Insurance in Live Oak, Texas

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

Best Annual Auto Insurance Rates by Company in Live Oak, Texas

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

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The Cheapest Live Oak, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Live Oak, Texas

Insurance Company Average Annual Rates
Allstate $5,375
American Family $5,088
GEICO $3,322
Nationwide $3,625
Progressive $4,463
State Farm $3,220
USAA $2,646

What affects auto insurance rates in Live Oak, Texas?

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

Live Oak Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Live Oak, Texas auto theft statistics, there have been 39 auto thefts in the city.

Live Oak Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Live Oak, Texas commute length is 25.3 minutes according to City-Data.

Compare Live Oak, Texas Auto Insurance Quotes

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