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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • The annual number of car thefts in Lockhart is 7.
  • Average car insurance rates in Lockhart, TX for senior drivers are $2,228/year
  • The cheapest car insurance company in Lockhart after a DUI is GEICO

Average car insurance rates in Lockhart, Texas are $305 a month. But with a little research you can get a great deal from the top car insurance companies in Lockhart, TX. Before you buy Lockhart, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Lockhart car insurance rates with Laredo car insurance rates, Austin car insurance rates, or San Antonio car insurance rates to make sure you’re getting the best Lockhart, TX car insurance quotes available.

Need affordable Lockhart, TX car insurance? Enter your ZIP code to compare Lockhart car insurance quotes from multiple car insurance companies near you.

Lockhart, TX Minimum Car Insurance Coverage

Lockhart, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lockhart, 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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Lockhart, TX Car Insurance Rates by Coverage Level

Some Lockhart drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Lockhart, Texas car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lockhart, Texas

Insurance Company Low Medium High
Allstate $5,308 $5,387 $5,609
American Family $3,878 $4,005 $4,558
GEICO $2,753 $2,879 $3,140
Nationwide $4,269 $3,782 $3,806
Progressive $3,717 $3,887 $4,109
State Farm $2,799 $2,940 $3,111
USAA $2,258 $2,328 $2,424

Lockhart, TX Car Insurance Rates by Age, Gender, and Marital Status

Lockhart, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lockhart, TX car insurance, get quotes from multiple car insurance companies in the Lockhart area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lockhart, 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 $3,501 $3,520 $3,452 $3,452 $9,413 $11,330 $4,323 $4,487
American Family $2,465 $2,745 $2,328 $2,666 $6,649 $8,710 $3,557 $4,059
GEICO $2,186 $2,360 $2,112 $2,404 $4,731 $4,893 $2,362 $2,345
Nationwide $2,472 $2,517 $2,180 $2,312 $7,033 $9,051 $2,906 $3,149
Progressive $2,082 $1,977 $1,863 $1,895 $8,736 $9,732 $2,460 $2,491
State Farm $2,068 $2,068 $1,839 $1,839 $4,935 $6,287 $2,247 $2,318
USAA $1,499 $1,510 $1,432 $1,424 $4,158 $4,532 $1,995 $2,141

Lockhart, TX Car Insurance Rates for Teens

How much is Lockhart, Texas car insurance for teens? Compare rates from top Lockhart car insurance companies below to help find the cheapest teen car insurance in Lockhart, TX.

Annual Car Insurance Rates for Teen Drivers in Lockhart, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,413 $11,330
American Family $6,649 $8,710
GEICO $4,731 $4,893
Nationwide $7,033 $9,051
Progressive $8,736 $9,732
State Farm $4,935 $6,287
USAA $4,158 $4,532

Lockhart, TX Car Insurance Rates for Seniors

Before seniors buy Lockhart, Texas car insurance, they should make sure to shop around. Some Lockhart, TX car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lockhart, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,452 $3,452
American Family $2,328 $2,666
GEICO $2,112 $2,404
Nationwide $2,180 $2,312
Progressive $1,863 $1,895
State Farm $1,839 $1,839
USAA $1,432 $1,424

Lockhart, TX Car Insurance Rates by Credit History

How does your credit history affect Lockhart, TX car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lockhart, Texas

Insurance Company Poor Fair Good
Allstate $6,897 $5,065 $4,343
American Family $5,690 $3,602 $3,149
GEICO $4,500 $2,558 $1,714
Nationwide $4,745 $3,805 $3,307
Progressive $4,384 $3,801 $3,528
State Farm $4,180 $2,600 $2,070
USAA $3,434 $1,982 $1,594

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Lockhart, TX Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lockhart, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lockhart.

Annual Lockhart, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,176 $6,547 $6,839 $4,176
American Family $3,773 $4,822 $4,222 $3,773
GEICO $2,485 $3,268 $2,742 $3,201
Nationwide $3,422 $3,422 $5,094 $3,872
Progressive $3,410 $4,405 $3,971 $3,831
State Farm $2,624 $3,006 $3,547 $2,624
USAA $1,745 $2,569 $3,028 $2,003

Lockhart, TX Car Insurance Rates With a DUI

Even a single DUI can increase your Lockhart, TX car insurance rates. Compare rates below to see which Lockhart car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lockhart, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,839
American Family $4,222
GEICO $2,742
Nationwide $5,094
Progressive $3,971
State Farm $3,547
USAA $3,028

Lockhart, TX Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lockhart, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Lockhart companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lockhart, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,298 $5,571
American Family $4,147 $4,147
GEICO $2,867 $2,981
Nationwide $3,952 $3,952
Progressive $3,905 $3,905
State Farm $2,950 $2,950
USAA $2,307 $2,366

Lockhart, TX Cheapest Car Insurance Rates

How do the top Lockhart, Texas car insurance companies’ average rates stack up against the Lockhart average monthly car insurance rates of $305? Take a look and see.

Best Annual Car Insurance Rates by Company in Lockhart, 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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Lockhart, TX Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lockhart, Texas car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lockhart, Texas

Insurance Company Average Annual Rates
Allstate $5,435
American Family $4,147
GEICO $2,924
Nationwide $3,953
Progressive $3,905
State Farm $2,950
USAA $2,336

Other Factors Affecting Lockhart, TX Car Insurance Rates

Before you buy Lockhart, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lockhart, TX Car Theft Rates

The car theft rate in Lockhart, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Lockhart, Texas is 7 stolen cars.

Lockhart, TX Commute Time

How does your Lockhart, TX commute time compare with the average driver? In Lockhart, the average commute is 30.2 minutes.

Lockhart, TX Car Insurance Quotes

Compare Lockhart, TX car insurance quotes from multiple companies by entering your ZIP code now.