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

  • Average car insurance rates in Lufkin, TX for senior drivers are $2,311/year
  • The annual number of car thefts in Lufkin is 76.
  • Average car insurance rates in Lufkin, TX are $317/month

Average car insurance rates in Lufkin, Texas are $317 a month. But with a little research you can get a great deal from the top car insurance companies in Lufkin, TX. Before you buy Lufkin, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Lufkin car insurance rates with El Paso car insurance rates, Houston car insurance rates, or San Antonio car insurance rates to make sure you’re getting the best Lufkin, TX car insurance quotes available.

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

Lufkin, TX Minimum Car Insurance Coverage

Lufkin, 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 Lufkin, 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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Lufkin, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lufkin, Texas

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lufkin, 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 $3,589 $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

Lufkin, TX Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Lufkin, Texas

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

Lufkin, TX Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Lufkin, Texas

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

Lufkin, TX Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Lufkin, Texas

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

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Lufkin, TX Car Insurance Rates by Driver History

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

Annual Lufkin, Texas Car Insurance Rates by Driving Record

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

Lufkin, TX Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Lufkin, Texas

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

Lufkin, TX Car Insurance Rates by ZIP Code

Just like Lufkin car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lufkin, TX car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lufkin, Texas

ZIP Code Average Annual Rates
75901 $5,678
75904 $5,715

Lufkin, TX Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Lufkin, Texas

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

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Lufkin, TX Cheapest Car Insurance Rates

How do the top Lufkin, Texas car insurance companies’ average rates stack up against the Lufkin average monthly car insurance rates of $317? Take a look and see.

Best Annual Car Insurance Rates by Company in Lufkin, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

Lufkin, TX Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Lufkin, Texas

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

Other Factors Affecting Lufkin, TX Car Insurance Rates

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

Lufkin, TX Car Theft Rates

The car theft rate in Lufkin, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Lufkin, Texas is 76 stolen cars.

Lufkin, TX Commute Time

How does your Lufkin, TX commute time compare with the average driver? In Lufkin, the average commute is 15.9 minutes.

Lufkin, TX Traffic

Spending time in Lufkin traffic can lead to higher car insurance rates. According to INRIX data, Lufkin, TX ranks as the 904th-most congested with traffic in the world.

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Lufkin, TX Car Insurance Quotes

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