Best Cheap Auto Insurance in Lockhart, TX (2021)

The average Lockhart, TX auto insurance rates are $305 per month. The minimum auto insurance in Lockhart is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lockhart, 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 most expensive auto insurance company in Lockhart for teen drivers is Allstate
  • The cheapest auto insurance company in Lockhart is USAA
  • The minimum auto insurance required in Lockhart, Texas is 30/60/25

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

Compare auto insurance in Lockhart to other Texas cities, including El Paso auto insurance rates, Laredo auto insurance rates, and Arlington auto insurance rates to see how Lockhart, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Lockhart, Texas

Lockhart, 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 Lockhart, Texas.

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

Auto insurance rates in Lockhart, 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 Lockhart, 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 $3,501 $3,520 $3,452 $3,452 $9,413 $11,330 $4,323 $4,487
American Family $2,465 $2,745 $2,328 $2,666 $6,649 $8,710 $3,557 $4,059
GEICO $2,186 $2,360 $2,112 $2,404 $4,731 $4,893 $2,362 $2,345
Nationwide $2,472 $2,517 $2,180 $2,312 $7,033 $9,051 $2,906 $3,149
Progressive $2,082 $1,977 $1,863 $1,895 $8,736 $9,732 $2,460 $2,491
State Farm $2,068 $2,068 $1,839 $1,839 $4,935 $6,287 $2,247 $2,318
USAA $1,499 $1,510 $1,432 $1,424 $4,158 $4,532 $1,995 $2,141

Cheap Lockhart, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lockhart, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,413 $11,330
American Family $6,649 $8,710
GEICO $4,731 $4,893
Nationwide $7,033 $9,051
Progressive $8,736 $9,732
State Farm $4,935 $6,287
USAA $4,158 $4,532

Cheap Lockhart, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lockhart, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,452 $3,452
American Family $2,328 $2,666
GEICO $2,112 $2,404
Nationwide $2,180 $2,312
Progressive $1,863 $1,895
State Farm $1,839 $1,839
USAA $1,432 $1,424

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

Annual Lockhart, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,176 $6,547 $6,839 $4,176
American Family $3,773 $4,822 $4,222 $3,773
GEICO $2,485 $3,268 $2,742 $3,201
Nationwide $3,422 $3,422 $5,094 $3,872
Progressive $3,410 $4,405 $3,971 $3,831
State Farm $2,624 $3,006 $3,547 $2,624
USAA $1,745 $2,569 $3,028 $2,003

Cheap Lockhart, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lockhart, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,839
American Family $4,222
GEICO $2,742
Nationwide $5,094
Progressive $3,971
State Farm $3,547
USAA $3,028

Cheap Lockhart, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lockhart, Texas

Insurance Company Poor Fair Good
Allstate $6,897 $5,065 $4,343
American Family $5,690 $3,602 $3,149
GEICO $4,500 $2,558 $1,714
Nationwide $4,745 $3,805 $3,307
Progressive $4,384 $3,801 $3,528
State Farm $4,180 $2,600 $2,070
USAA $3,434 $1,982 $1,594

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Cheap Lockhart, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lockhart, Texas

ZIP Code Average Annual Rates
78644 $5,420

Cheap Lockhart, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lockhart, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,298 $5,571
American Family $4,147 $4,147
GEICO $2,867 $2,981
Nationwide $3,952 $3,952
Progressive $3,905 $3,905
State Farm $2,950 $2,950
USAA $2,307 $2,366

Cheap Lockhart, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lockhart, Texas

Insurance Company Low Medium High
Allstate $5,308 $5,387 $5,609
American Family $3,878 $4,005 $4,558
GEICO $2,753 $2,879 $3,140
Nationwide $4,269 $3,782 $3,806
Progressive $3,717 $3,887 $4,109
State Farm $2,799 $2,940 $3,111
USAA $2,258 $2,328 $2,424

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Best By Category: Cheapest Auto Insurance in Lockhart, Texas

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

Best Annual Auto Insurance Rates by Company in Lockhart, 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 Lockhart, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lockhart, Texas

Insurance Company Average Annual Rates
Allstate $5,435
American Family $4,147
GEICO $2,924
Nationwide $3,953
Progressive $3,905
State Farm $2,950
USAA $2,336

What affects auto insurance rates in Lockhart, Texas?

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

Lockhart Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lockhart, Texas auto theft statistics, there have been 7 auto thefts in the city.

Lockhart Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lockhart, Texas commute length is 30.2 minutes according to City-Data.

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Compare Lockhart, Texas Auto Insurance Quotes

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