Best Cheap Auto Insurance in Lorena, TX (2021)

The average Lorena, TX auto insurance rates are $284 per month. The minimum auto insurance in Lorena is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lorena, 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 average commute length in Lorena is 22.5 minutes
  • The cheapest auto insurance company in Lorena is USAA
  • The minimum auto insurance required in Lorena, Texas is 30/60/25

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

Compare auto insurance in Lorena to other Texas cities, including San Antonio auto insurance rates, Dallas auto insurance rates, and Corpus Christi auto insurance rates to see how Lorena, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Lorena, Texas

Lorena, 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 Lorena, Texas.

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

Auto insurance rates in Lorena, 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 Lorena, 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 $3,314 $3,341 $3,272 $3,272 $8,777 $10,584 $4,094 $4,261
American Family $2,202 $2,444 $2,067 $2,358 $5,760 $7,529 $3,138 $3,572
GEICO $1,943 $2,085 $1,866 $2,089 $4,149 $4,338 $2,096 $2,106
Nationwide $2,204 $2,239 $1,950 $2,062 $6,266 $8,030 $2,591 $2,800
Progressive $2,065 $1,955 $1,843 $1,877 $8,721 $9,707 $2,440 $2,481
State Farm $1,947 $1,947 $1,740 $1,740 $4,787 $6,125 $2,125 $2,192
USAA $1,474 $1,480 $1,409 $1,396 $4,120 $4,482 $1,955 $2,092

Cheap Lorena, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lorena, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,777 $10,584
American Family $5,760 $7,529
GEICO $4,149 $4,338
Nationwide $6,266 $8,030
Progressive $8,721 $9,707
State Farm $4,787 $6,125
USAA $4,120 $4,482

Cheap Lorena, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lorena, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,272 $3,272
American Family $2,067 $2,358
GEICO $1,866 $2,089
Nationwide $1,950 $2,062
Progressive $1,843 $1,877
State Farm $1,740 $1,740
USAA $1,409 $1,396

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

Annual Lorena, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,964 $6,129 $6,399 $3,964
American Family $3,319 $4,202 $3,695 $3,319
GEICO $2,201 $2,884 $2,431 $2,821
Nationwide $3,055 $3,055 $4,514 $3,447
Progressive $3,396 $4,383 $3,953 $3,813
State Farm $2,499 $2,882 $3,422 $2,499
USAA $1,718 $2,534 $2,982 $1,971

Cheap Lorena, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lorena, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,399
American Family $3,695
GEICO $2,431
Nationwide $4,514
Progressive $3,953
State Farm $3,422
USAA $2,982

Cheap Lorena, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lorena, Texas

Insurance Company Poor Fair Good
Allstate $6,498 $4,765 $4,080
American Family $4,997 $3,146 $2,757
GEICO $3,963 $2,264 $1,525
Nationwide $4,213 $3,391 $2,949
Progressive $4,361 $3,784 $3,513
State Farm $3,999 $2,491 $1,987
USAA $3,378 $1,953 $1,572

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Cheap Lorena, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lorena, Texas

ZIP Code Average Annual Rates
76655 $5,070

Cheap Lorena, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lorena, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,991 $5,237
American Family $3,634 $3,634
GEICO $2,537 $2,632
Nationwide $3,518 $3,518
Progressive $3,886 $3,886
State Farm $2,826 $2,826
USAA $2,272 $2,330

Cheap Lorena, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lorena, Texas

Insurance Company Low Medium High
Allstate $4,992 $5,069 $5,282
American Family $3,395 $3,513 $3,993
GEICO $2,465 $2,556 $2,732
Nationwide $3,794 $3,370 $3,388
Progressive $3,750 $3,868 $4,041
State Farm $2,685 $2,820 $2,972
USAA $2,223 $2,292 $2,388

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Best By Category: Cheapest Auto Insurance in Lorena, Texas

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

Best Annual Auto Insurance Rates by Company in Lorena, Texas

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

The Cheapest Lorena, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lorena, Texas

Insurance Company Average Annual Rates
Allstate $5,114
American Family $3,634
GEICO $2,584
Nationwide $3,518
Progressive $3,886
State Farm $2,826
USAA $2,301

What affects auto insurance rates in Lorena, Texas?

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

Lorena Auto Theft

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

Lorena Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lorena, Texas commute length is 22.5 minutes according to City-Data.

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Compare Lorena, Texas Auto Insurance Quotes

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