Best Lufkin, TX Car Insurance in 2025
Car insurance in Lufkin, TX averages $317 a month. Lufkin, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Lufkin car insurance rates, compare quotes from the top car insurance companies in Lufkin, TX.
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Table of Contents
Table of Contents
Feature Writer
Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Healing Law, WIBW Kansas, and Cinncinati.com. He has been a...
Chris Tepedino
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated October 2024
- The cheapest car insurance company in Lufkin for teen drivers is USAA
- The cheapest car insurance company in Lufkin is USAA
- Average car insurance rates in Lufkin, TX after a DUI are $4,350/year
If you need to buy Lufkin, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Lufkin, TX is right here.
You’ll find Lufkin car insurance rates, the cheapest Lufkin, TX car insurance companies, and information on Texas car insurance laws. You can also compare Lufkin, Texas car insurance rates to Plano car insurance rates, Houston car insurance rates, and Laredo car insurance rates.
Ready to find affordable Lufkin, TX car insurance today? Enter your ZIP code for fast, free Lufkin car insurance quotes.
Cheapest Lufkin, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lufkin, TX car insurance rates? Every Lufkin, 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 | $3,589 | $3,623 | $3,543 | $3,543 | $9,455 | $11,421 | $4,441 | $4,631 |
| American Family | $2,303 | $2,563 | $2,173 | $2,485 | $6,138 | $8,014 | $3,307 | $3,765 |
| Geico | $2,409 | $2,598 | $2,321 | $2,620 | $5,244 | $5,489 | $2,606 | $2,615 |
| Nationwide | $2,366 | $2,405 | $2,092 | $2,213 | $6,714 | $8,614 | $2,780 | $3,006 |
| Progressive | $2,507 | $2,349 | $2,230 | $2,274 | $10,489 | $11,664 | $2,932 | $2,935 |
| State Farm | $2,100 | $2,100 | $1,870 | $1,870 | $5,074 | $6,477 | $2,286 | $2,358 |
| USAA | $1,641 | $1,647 | $1,569 | $1,552 | $4,674 | $5,082 | $2,186 | $2,337 |
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Minimum Car Insurance in Lufkin, TX
Every driver must carry the minimum car insurance required by the state in Lufkin, 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 Lufkin, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lufkin, TX. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Lufkin from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,031 | $5,152 | $4,409 |
| American Family | $5,265 | $3,337 | $2,929 |
| Geico | $4,996 | $2,829 | $1,888 |
| Nationwide | $4,528 | $3,636 | $3,158 |
| Progressive | $5,263 | $4,545 | $4,209 |
| State Farm | $4,274 | $2,659 | $2,118 |
| USAA | $3,796 | $2,195 | $1,766 |
Cheapest Lufkin, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Lufkin, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,301 | $6,618 | $6,903 | $4,301 |
| American Family | $3,514 | $4,439 | $3,908 | $3,514 |
| Geico | $2,750 | $3,629 | $3,035 | $3,538 |
| Nationwide | $3,275 | $3,275 | $4,847 | $3,698 |
| Progressive | $4,072 | $5,283 | $4,759 | $4,576 |
| State Farm | $2,677 | $3,076 | $3,638 | $2,677 |
| USAA | $1,924 | $2,849 | $3,362 | $2,209 |
Cheapest Lufkin, TX Car Insurance for Teen Drivers
Teen car insurance in Lufkin, TX can be expensive. Take a look at rates from the top car insurance companies in Lufkin for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,455 | $11,421 |
| American Family | $6,138 | $8,014 |
| Geico | $5,244 | $5,489 |
| Nationwide | $6,714 | $8,614 |
| Progressive | $10,489 | $11,664 |
| State Farm | $5,074 | $6,477 |
| USAA | $4,674 | $5,082 |
Cheapest Lufkin, TX Car Insurance for Seniors
Take a look at Lufkin, TX rates on car insurance for seniors 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 | $3,543 | $3,543 |
| American Family | $2,173 | $2,485 |
| Geico | $2,321 | $2,620 |
| Nationwide | $2,092 | $2,213 |
| Progressive | $2,230 | $2,274 |
| State Farm | $1,870 | $1,870 |
| USAA | $1,569 | $1,552 |
Cheapest Lufkin, TX Car Insurance Rates After a DUI
A DUI in Lufkin, TX increases car insurance rates. Compare Lufkin, Texas car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,903 |
| American Family | $3,908 |
| Geico | $3,035 |
| Nationwide | $4,847 |
| Progressive | $4,759 |
| State Farm | $3,638 |
| USAA | $3,362 |
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Cheapest Lufkin, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lufkin, 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 | $5,398 | $5,663 |
| American Family | $3,844 | $3,844 |
| Geico | $3,177 | $3,298 |
| Nationwide | $3,774 | $3,774 |
| Progressive | $4,672 | $4,672 |
| State Farm | $3,017 | $3,017 |
| USAA | $2,553 | $2,618 |
Cheapest Lufkin, TX Car Insurance Rates by ZIP Code
Lufkin car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lufkin, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 75901 | $5,678 |
| 75904 | $5,715 |
The Best Cheap Car Insurance Companies in Lufkin, TX
Take a look at a side-by-side comparison of the top car insurance companies in Lufkin, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,531 |
| American Family | $3,844 |
| Geico | $3,238 |
| Nationwide | $3,774 |
| Progressive | $4,672 |
| State Farm | $3,017 |
| USAA | $2,586 |
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Category Winners: Cheapest Car Insurance in Lufkin, Texas
Find the cheapest car insurance companies in Lufkin, 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 |
Cheapest Lufkin, TX Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Lufkin car insurance rates. Find the cheapest Lufkin, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,407 | $5,484 | $5,700 |
| American Family | $3,563 | $3,700 | $4,268 |
| Geico | $3,077 | $3,198 | $3,439 |
| Nationwide | $4,056 | $3,611 | $3,655 |
| Progressive | $4,380 | $4,641 | $4,997 |
| State Farm | $2,863 | $3,006 | $3,182 |
| USAA | $2,498 | $2,575 | $2,685 |
What affects car insurance rates in Lufkin, Texas?
What are the factors that affect car insurance rates in Lufkin, TX? There are several reasons why Lufkin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lufkin, Texas.
Car Theft in Lufkin
High levels of vehicle theft can make car insurance more expensive. Lufkin, TX car theft statistics from the FBI indicate 76 vehicle thefts a year.
Commute Time in Lufkin
The more time you spend in your car the higher the risk of an accident. The average commute length in Lufkin, TX is 15.9 minutes according to City-Data.
Traffic in Lufkin
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lufkin, TX traffic data from INRIX ranks Lufkin as the 904th-most congested in the world.
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Compare Car Insurance Quotes in Lufkin, TX
Ready to find affordable Lufkin, Texas car insurance today? Enter your ZIP code for fast, free Lufkin, TX car insurance quotes.
Frequently Asked Questions
Do car insurance rates vary by ZIP code in Lufkin, TX?
Yes, car insurance rates can vary by ZIP code in Lufkin, TX. It’s advisable to compare rates based on your specific ZIP code to find the best car insurance options.
How does commute length affect car insurance rates in Lufkin, TX?
Commute length can affect car insurance rates in Lufkin, TX. Longer commutes may result in higher rates. It’s recommended to compare rates from different companies based on your specific commute length.
How much does car insurance rates increase after a DUI in Lufkin, TX?
On average, car insurance rates in Lufkin, TX increase to around $4,350 per year after a DUI.
How does car insurance for seniors in Lufkin, TX compare?
Car insurance rates for seniors in Lufkin, TX can vary based on factors like age and gender. It’s recommended to compare rates from different companies to find the best option for senior drivers.
How much does car insurance for teen drivers cost in Lufkin, TX?
Car insurance for teen drivers in Lufkin, TX can be expensive. Rates vary depending on the insurance company. The cheapest car insurance company for teen drivers in Lufkin is USAA.
How does credit score affect car insurance rates in Lufkin, TX?
Your credit score can affect car insurance costs in Lufkin, TX. If you have good credit, you may be eligible for a good credit discount. Rates may vary for individuals with good, fair, and poor credit scores.
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