Best Cheap Auto Insurance in Lone Star, TX (2021)

The average Lone Star, TX auto insurance rates are $325 per month. The minimum auto insurance in Lone Star is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lone Star, 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 Lone Star, Texas is 30/60/25
  • The most expensive auto insurance company in Lone Star for teen drivers is Allstate
  • The cheapest auto insurance company in Lone Star is USAA

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

Compare auto insurance in Lone Star to other Texas cities, including Fort Worth auto insurance rates, Plano auto insurance rates, and Houston auto insurance rates to see how Lone Star, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Lone Star, Texas

Lone Star, 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 Lone Star, Texas.

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

Auto insurance rates in Lone Star, 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 Lone Star, 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 $3,566 $3,620 $3,523 $3,523 $9,147 $11,121 $4,434 $4,659
American Family $2,657 $2,953 $2,464 $2,818 $6,901 $9,030 $3,790 $4,314
GEICO $2,777 $2,992 $2,664 $3,014 $6,044 $6,293 $3,005 $3,005
Nationwide $2,463 $2,504 $2,175 $2,303 $7,037 $9,032 $2,899 $3,136
Progressive $2,295 $2,190 $2,039 $2,077 $9,500 $10,636 $2,728 $2,788
State Farm $2,138 $2,138 $1,898 $1,898 $5,074 $6,459 $2,321 $2,395
USAA $1,602 $1,619 $1,527 $1,526 $4,425 $4,840 $2,140 $2,310

Cheap Lone Star, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lone Star, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,147 $11,121
American Family $6,901 $9,030
GEICO $6,044 $6,293
Nationwide $7,037 $9,032
Progressive $9,500 $10,636
State Farm $5,074 $6,459
USAA $4,425 $4,840

Cheap Lone Star, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lone Star, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,523 $3,523
American Family $2,464 $2,818
GEICO $2,664 $3,014
Nationwide $2,175 $2,303
Progressive $2,039 $2,077
State Farm $1,898 $1,898
USAA $1,527 $1,526

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

Annual Lone Star, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,304 $6,465 $6,723 $4,304
American Family $3,987 $5,052 $4,438 $3,987
GEICO $3,157 $4,163 $3,497 $4,081
Nationwide $3,420 $3,420 $5,071 $3,864
Progressive $3,736 $4,818 $4,367 $4,205
State Farm $2,707 $3,098 $3,650 $2,707
USAA $1,868 $2,747 $3,235 $2,144

Cheap Lone Star, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lone Star, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,723
American Family $4,438
GEICO $3,497
Nationwide $5,071
Progressive $4,367
State Farm $3,650
USAA $3,235

Cheap Lone Star, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lone Star, Texas

Insurance Company Poor Fair Good
Allstate $6,939 $5,074 $4,334
American Family $6,009 $3,783 $3,305
GEICO $5,765 $3,250 $2,158
Nationwide $4,734 $3,799 $3,298
Progressive $4,829 $4,163 $3,853
State Farm $4,310 $2,679 $2,132
USAA $3,678 $2,117 $1,701

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Cheap Lone Star, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lone Star, Texas

ZIP Code Average Annual Rates
75668 $5,679

Cheap Lone Star, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lone Star, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,325 $5,574
American Family $4,366 $4,366
GEICO $3,652 $3,797
Nationwide $3,944 $3,944
Progressive $4,282 $4,282
State Farm $3,040 $3,040
USAA $2,467 $2,530

Cheap Lone Star, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lone Star, Texas

Insurance Company Low Medium High
Allstate $5,356 $5,414 $5,578
American Family $4,055 $4,199 $4,844
GEICO $3,527 $3,674 $3,972
Nationwide $4,245 $3,773 $3,813
Progressive $4,095 $4,264 $4,486
State Farm $2,889 $3,031 $3,200
USAA $2,416 $2,488 $2,592

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Best By Category: Cheapest Auto Insurance in Lone Star, Texas

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

Best Annual Auto Insurance Rates by Company in Lone Star, Texas

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

The Cheapest Lone Star, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lone Star, Texas

Insurance Company Average Annual Rates
Allstate $5,449
American Family $4,366
GEICO $3,724
Nationwide $3,944
Progressive $4,282
State Farm $3,040
USAA $2,498

What affects auto insurance rates in Lone Star, Texas?

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

Lone Star Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lone Star, Texas auto theft statistics, there have been 0 auto thefts in the city.

Lone Star Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lone Star, Texas commute length is 25.0 minutes according to City-Data.

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Compare Lone Star, Texas Auto Insurance Quotes

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