Compare Karnack, TX Car Insurance Rates [2024]
Car insurance in Karnack, TX averages $331 a month. Karnack, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Karnack car insurance rates, compare quotes from the top car insurance companies in Karnack, TX.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Karnack, TX after a DUI are $4,528/year
- The cheapest car insurance company in Karnack is USAA
- Average car insurance rates in Karnack, TX are $3,972/year
If you need to buy Karnack, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Karnack, TX is right here.
You’ll find Karnack car insurance rates, the cheapest Karnack, TX car insurance companies, and information on Texas car insurance laws. You can also compare Karnack, Texas car insurance rates to San Antonio car insurance rates, Arlington car insurance rates, and Houston car insurance rates.
Ready to find affordable Karnack, TX car insurance today? Enter your ZIP code for fast, free Karnack car insurance quotes.
Cheapest Karnack, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Karnack, TX car insurance rates? Every Karnack, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,870 | $3,923 | $3,825 | $3,825 | $9,901 | $12,014 | $4,796 | $5,027 |
| American Family | $2,586 | $2,873 | $2,402 | $2,746 | $6,721 | $8,796 | $3,687 | $4,198 |
| Geico | $2,343 | $2,530 | $2,273 | $2,585 | $5,037 | $5,212 | $2,525 | $2,502 |
| Nationwide | $2,463 | $2,504 | $2,175 | $2,303 | $7,037 | $9,032 | $2,899 | $3,136 |
| Progressive | $2,579 | $2,439 | $2,295 | $2,339 | $10,880 | $12,127 | $3,048 | $3,080 |
| State Farm | $2,124 | $2,124 | $1,889 | $1,889 | $5,088 | $6,485 | $2,309 | $2,382 |
| USAA | $1,714 | $1,726 | $1,639 | $1,628 | $4,846 | $5,279 | $2,291 | $2,458 |
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Minimum Car Insurance in Karnack, TX
Every driver must carry the minimum car insurance in Karnack, TX. Take a look at the Texas car insurance requirements.
| 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 |
Cheapest Karnack, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Karnack, TX. Compare credit history car insurance rates in Karnack from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,517 | $5,488 | $4,688 |
| American Family | $5,850 | $3,681 | $3,222 |
| Geico | $4,819 | $2,733 | $1,826 |
| Nationwide | $4,734 | $3,799 | $3,298 |
| Progressive | $5,456 | $4,717 | $4,372 |
| State Farm | $4,303 | $2,676 | $2,130 |
| USAA | $3,960 | $2,290 | $1,843 |
Cheapest Karnack, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Karnack, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,650 | $7,011 | $7,279 | $4,650 |
| American Family | $3,887 | $4,911 | $4,320 | $3,887 |
| Geico | $2,655 | $3,491 | $2,933 | $3,426 |
| Nationwide | $3,420 | $3,420 | $5,071 | $3,864 |
| Progressive | $4,224 | $5,477 | $4,937 | $4,756 |
| State Farm | $2,699 | $3,094 | $3,654 | $2,699 |
| USAA | $2,008 | $2,972 | $3,504 | $2,307 |
Cheapest Karnack, TX Car Insurance for Teen Drivers
Teen car insurance in Karnack, TX can be expensive. Take a look at rates from the top car insurance companies in Karnack for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,901 | $12,014 |
| American Family | $6,721 | $8,796 |
| Geico | $5,037 | $5,212 |
| Nationwide | $7,037 | $9,032 |
| Progressive | $10,880 | $12,127 |
| State Farm | $5,088 | $6,485 |
| USAA | $4,846 | $5,279 |
Cheapest Karnack, TX Car Insurance for Seniors
Take a look at Karnack, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,825 | $3,825 |
| American Family | $2,402 | $2,746 |
| Geico | $2,273 | $2,585 |
| Nationwide | $2,175 | $2,303 |
| Progressive | $2,295 | $2,339 |
| State Farm | $1,889 | $1,889 |
| USAA | $1,639 | $1,628 |
Cheapest Karnack, TX Car Insurance Rates After a DUI
A DUI in Karnack, TX increases car insurance rates. Compare Karnack, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,279 |
| American Family | $4,320 |
| Geico | $2,933 |
| Nationwide | $5,071 |
| Progressive | $4,937 |
| State Farm | $3,654 |
| USAA | $3,504 |
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Cheapest Karnack, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Karnack, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,761 | $6,035 |
| American Family | $4,251 | $4,251 |
| Geico | $3,065 | $3,187 |
| Nationwide | $3,944 | $3,944 |
| Progressive | $4,848 | $4,848 |
| State Farm | $3,036 | $3,036 |
| USAA | $2,663 | $2,732 |
The Best Cheap Car Insurance Companies in Karnack, TX
Take a look at a side-by-side comparison of the top car insurance companies in Karnack, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,898 |
| American Family | $4,251 |
| Geico | $3,126 |
| Nationwide | $3,944 |
| Progressive | $4,848 |
| State Farm | $3,036 |
| USAA | $2,698 |
Category Winners: Cheapest Car Insurance in Karnack, Texas
Find the cheapest car insurance companies in Karnack, TX for each category right here.
| 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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Cheapest Karnack, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Karnack car insurance rates. Find the cheapest Karnack, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,774 | $5,851 | $6,067 |
| American Family | $3,943 | $4,088 | $4,722 |
| Geico | $2,936 | $3,074 | $3,368 |
| Nationwide | $4,245 | $3,773 | $3,813 |
| Progressive | $4,594 | $4,823 | $5,128 |
| State Farm | $2,881 | $3,025 | $3,203 |
| USAA | $2,602 | $2,685 | $2,806 |
Compare Car Insurance Quotes in Karnack, TX
Ready to find affordable Karnack, Texas car insurance today? Enter your ZIP code for fast, free Karnack, TX car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Karnack, TX?
To compare car insurance rates in Karnack, TX, you can follow these steps:
- Gather information: Collect details about your vehicle, including make, model, year, and any additional features or modifications.
- Assess coverage needs: Determine the type and level of coverage you require, such as liability, collision, comprehensive, or personal injury protection.
- Research insurance companies: Look for reputable insurance companies that offer coverage in Karnack, TX. Consider their financial stability, customer service reputation, and available discounts.
- Obtain quotes: Contact insurance companies directly or use online platforms to request quotes based on your specific requirements.
- Compare quotes: Review the quotes received, considering the coverage limits, deductibles, premiums, and any additional features or discounts offered.
- Choose the best option: Select the car insurance policy that best suits your needs and provides adequate coverage at a competitive price.
What factors can affect car insurance rates in Karnack, TX?
Several factors can influence car insurance rates in Karnack, TX. Some common factors include:
- Age and driving experience
- Vehicle make, model, and year
- Driving record and history of accidents or violations
- Credit history
- Coverage limits and deductible choices
- Annual mileage
- Location and crime rates in the area
- Insurance claims history
- Usage of the vehicle (personal, business, or commercial) It’s important to note that different insurance companies may weigh these factors differently when determining rates, so comparing quotes from multiple providers can help you find the most competitive rates.
Are there any discounts available for car insurance in Karnack, TX?
Yes, many car insurance providers offer various discounts that can help lower your premiums in Karnack, TX. Common discounts include:
- Multi-policy discount: Bundling car insurance with other policies like home or renters insurance.
- Good driver discount: Reward for maintaining a clean driving record.
- Safe driver education discount: Completing a defensive driving course or driver’s education program.
- Vehicle safety features: Discounts for having features like anti-lock brakes, airbags, or anti-theft systems.
- Good student discount: Available for students who maintain a certain GPA.
- Loyalty discount: Reward for staying with the same insurance company for an extended period.
- Low mileage discount: If you drive fewer miles annually, you may qualify for this discount.
- Pay-in-full discount: Paying the full premium upfront instead of in installments. These discounts can vary among insurance providers, so it’s advisable to inquire about available discounts when obtaining quotes.
How often should I review my car insurance rates in Karnack, TX?
It’s a good idea to review your car insurance rates in Karnack, TX annually or whenever significant life events occur, such as getting married, moving, or purchasing a new vehicle. Additionally, changes in your driving record or eligibility for new discounts can also prompt a review. By reviewing your rates regularly, you can ensure that you have adequate coverage at the best possible price.
Are there any local factors specific to Karnack, TX, that can impact car insurance rates?
While car insurance rates are influenced by a combination of individual and regional factors, some local elements that can affect rates in Karnack, TX, may include:
- Weather conditions: Frequent severe weather events or high rates of theft or vandalism can impact rates.
- Traffic congestion: Areas with high traffic volume or accident rates might result in higher premiums.
- Population density: Higher population densities can increase the likelihood of accidents and, consequently, insurance rates.
- Legal requirements: State and local laws regarding insurance coverage and liability limits can affect rates as well. These factors can vary among insurance providers, so it’s essential to obtain quotes and compare rates to find the best option for your specific circumstances in Karnack, TX.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.