Best Cheap Auto Insurance in Luling, TX (2021)

The average Luling, TX auto insurance rates are $315 per month. The minimum auto insurance in Luling is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Luling, 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 Luling for teen drivers is Allstate
  • The cheapest auto insurance company in Luling is USAA
  • The minimum auto insurance required in Luling, Texas is 30/60/25

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

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

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

Minimum Auto Insurance in Luling, Texas

Luling, 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 Luling, Texas.

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

Auto insurance rates in Luling, 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 Luling, 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 $3,480 $3,506 $3,435 $3,435 $9,282 $11,191 $4,303 $4,477
American Family $2,564 $2,868 $2,444 $2,810 $7,108 $9,276 $3,740 $4,265
GEICO $2,419 $2,610 $2,337 $2,640 $5,252 $5,499 $2,614 $2,619
Nationwide $2,472 $2,517 $2,180 $2,312 $7,033 $9,051 $2,906 $3,149
Progressive $2,253 $2,146 $2,011 $2,049 $9,456 $10,532 $2,672 $2,711
State Farm $2,081 $2,081 $1,847 $1,847 $4,920 $6,260 $2,258 $2,330
USAA $1,504 $1,520 $1,432 $1,431 $4,107 $4,494 $2,001 $2,161

Cheap Luling, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Luling, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,282 $11,191
American Family $7,108 $9,276
GEICO $5,252 $5,499
Nationwide $7,033 $9,051
Progressive $9,456 $10,532
State Farm $4,920 $6,260
USAA $4,107 $4,494

Cheap Luling, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Luling, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,435 $3,435
American Family $2,444 $2,810
GEICO $2,337 $2,640
Nationwide $2,180 $2,312
Progressive $2,011 $2,049
State Farm $1,847 $1,847
USAA $1,432 $1,431

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

Annual Luling, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,166 $6,466 $6,757 $4,166
American Family $3,978 $5,114 $4,468 $3,978
GEICO $2,759 $3,642 $3,044 $3,550
Nationwide $3,422 $3,422 $5,094 $3,872
Progressive $3,691 $4,767 $4,302 $4,154
State Farm $2,631 $3,008 $3,542 $2,631
USAA $1,747 $2,562 $3,012 $2,004

Cheap Luling, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Luling, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,757
American Family $4,468
GEICO $3,044
Nationwide $5,094
Progressive $4,302
State Farm $3,542
USAA $3,012

Cheap Luling, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Luling, Texas

Insurance Company Poor Fair Good
Allstate $6,843 $5,021 $4,301
American Family $5,979 $3,832 $3,341
GEICO $5,013 $2,839 $1,894
Nationwide $4,745 $3,805 $3,307
Progressive $4,751 $4,116 $3,819
State Farm $4,186 $2,602 $2,071
USAA $3,437 $1,973 $1,584

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Cheap Luling, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Luling, Texas

ZIP Code Average Annual Rates
78648 $5,598

Cheap Luling, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Luling, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,258 $5,519
American Family $4,384 $4,384
GEICO $3,188 $3,310
Nationwide $3,952 $3,952
Progressive $4,229 $4,229
State Farm $2,953 $2,953
USAA $2,302 $2,361

Cheap Luling, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Luling, Texas

Insurance Company Low Medium High
Allstate $5,265 $5,342 $5,558
American Family $4,087 $4,224 $4,842
GEICO $3,083 $3,206 $3,458
Nationwide $4,269 $3,782 $3,806
Progressive $4,039 $4,211 $4,436
State Farm $2,806 $2,944 $3,108
USAA $2,257 $2,323 $2,414

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Best By Category: Cheapest Auto Insurance in Luling, Texas

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

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

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

Average Annual Auto Insurance Rates by Company in Luling, Texas

Insurance Company Average Annual Rates
Allstate $5,389
American Family $4,384
GEICO $3,249
Nationwide $3,953
Progressive $4,229
State Farm $2,953
USAA $2,331

What affects auto insurance rates in Luling, Texas?

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

Luling Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Luling, Texas auto theft statistics, there have been 5 auto thefts in the city.

Luling Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Luling, Texas commute length is 26.0 minutes according to City-Data.

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Compare Luling, Texas Auto Insurance Quotes

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