Compare Live Oak, TX Car Insurance Rates (2022)

Car insurance in Live Oak, TX averages $330 a month. Live Oak, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Live Oak car insurance rates, compare quotes from the top car insurance companies in Live Oak, TX.

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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • The cheapest car insurance company in Live Oak is USAA
  • The cheapest car insurance company in Live Oak for teen drivers is USAA
  • Average car insurance rates in Live Oak, TX are $3,963/year

If you need to buy Live Oak, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Live Oak, TX is right here.

You’ll find Live Oak car insurance rates, the cheapest Live Oak, TX car insurance companies, and information on Texas car insurance laws. You can also compare Live Oak, Texas car insurance rates to Plano car insurance rates, Austin car insurance rates, and Laredo car insurance rates.

Ready to find affordable Live Oak, TX car insurance today? Enter your ZIP code for fast, free Live Oak car insurance quotes.

Cheapest Live Oak, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Live Oak, TX car insurance rates? Every Live Oak, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Live Oak, 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 $3,476 $3,502 $3,430 $3,430 $9,247 $11,151 $4,297 $4,469
American Family $2,930 $3,281 $2,800 $3,226 $8,306 $10,909 $4,312 $4,942
GEICO $2,457 $2,661 $2,384 $2,732 $5,467 $5,596 $2,658 $2,624
Nationwide $2,271 $2,306 $2,010 $2,124 $6,457 $8,274 $2,671 $2,886
Progressive $2,362 $2,241 $2,108 $2,144 $10,016 $11,193 $2,800 $2,843
State Farm $2,235 $2,235 $1,998 $1,998 $5,427 $6,925 $2,436 $2,504
USAA $1,673 $1,670 $1,612 $1,585 $4,831 $5,216 $2,224 $2,353

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Minimum Car Insurance in Live Oak, TX

Every driver must carry the minimum car insurance in Live Oak, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Live Oak, 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

Cheapest Live Oak, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Live Oak, TX. Compare credit history car insurance rates in Live Oak from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Live Oak, Texas

Insurance Company Poor Fair Good
Allstate $6,827 $5,007 $4,291
American Family $6,938 $4,430 $3,897
GEICO $5,130 $2,903 $1,935
Nationwide $4,343 $3,494 $3,037
Progressive $5,017 $4,345 $4,029
State Farm $4,550 $2,841 $2,269
USAA $3,852 $2,258 $1,826

Cheapest Live Oak, 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 Live Oak, TX to rates for a clean record with top companies.

Annual Live Oak, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,153 $6,459 $6,736 $4,153
American Family $4,633 $5,907 $5,180 $4,633
GEICO $2,817 $3,740 $3,103 $3,629
Nationwide $3,148 $3,148 $4,651 $3,552
Progressive $3,891 $5,043 $4,543 $4,376
State Farm $2,851 $3,283 $3,894 $2,851
USAA $1,960 $2,922 $3,450 $2,251

Cheapest Live Oak, TX Car Insurance for Teen Drivers

Teen car insurance in Live Oak, TX can be expensive. Take a look at rates from the top car insurance companies in Live Oak for teenagers.

Annual Car Insurance Rates for Teen Drivers in Live Oak, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,247 $11,151
American Family $8,306 $10,909
GEICO $5,467 $5,596
Nationwide $6,457 $8,274
Progressive $10,016 $11,193
State Farm $5,427 $6,925
USAA $4,831 $5,216

Cheapest Live Oak, TX Car Insurance for Seniors

Take a look at Live Oak, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Live Oak, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,430 $3,430
American Family $2,800 $3,226
GEICO $2,384 $2,732
Nationwide $2,010 $2,124
Progressive $2,108 $2,144
State Farm $1,998 $1,998
USAA $1,612 $1,585

Cheapest Live Oak, TX Car Insurance Rates After a DUI

A DUI in Live Oak, TX increases car insurance rates. Compare Live Oak, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Live Oak, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,736
American Family $5,180
GEICO $3,103
Nationwide $4,651
Progressive $4,543
State Farm $3,894
USAA $3,450

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Cheapest Live Oak, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Live Oak, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Live Oak, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,241 $5,509
American Family $5,088 $5,088
GEICO $3,262 $3,383
Nationwide $3,625 $3,625
Progressive $4,463 $4,463
State Farm $3,220 $3,220
USAA $2,612 $2,679

The Best Cheap Car Insurance Companies in Live Oak, TX

Take a look at a side-by-side comparison of the top car insurance companies in Live Oak, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Live Oak, Texas

Insurance Company Average Annual Rates
Allstate $5,375
American Family $5,088
GEICO $3,322
Nationwide $3,625
Progressive $4,463
State Farm $3,220
USAA $2,646

Category Winners: Cheapest Car Insurance in Live Oak, Texas

Find the cheapest car insurance companies in Live Oak, TX for each category right here.

Best Annual Car Insurance Rates by Company in Live Oak, Texas

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 Live Oak, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Live Oak car insurance rates. Find the cheapest Live Oak, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Live Oak, Texas

Insurance Company Low Medium High
Allstate $5,254 $5,330 $5,541
American Family $4,695 $4,885 $5,684
GEICO $3,126 $3,281 $3,561
Nationwide $3,900 $3,473 $3,502
Progressive $4,246 $4,443 $4,701
State Farm $3,033 $3,208 $3,418
USAA $2,537 $2,632 $2,768

What affects car insurance rates in Live Oak, Texas?

What factors can have an impact on Live Oak, TX car insurance? There are several reasons why Live Oak car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Live Oak, Texas.

Car Theft in Live Oak

High levels of vehicle theft can make car insurance more expensive. Live Oak, TX car theft statistics from the FBI indicate 39 vehicle thefts a year.

Commute Time in Live Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Live Oak, TX is 25.3 minutes according to City-Data.

Compare Car Insurance Quotes in Live Oak, TX

Ready to find affordable Live Oak, Texas car insurance today? Enter your ZIP code for fast, free Live Oak, TX car insurance quotes.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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