Affordable Car Insurance Rates in Nacogdoches, TX (2021)
Car insurance rates in Nacogdoches, TX are $315/month on average. By law, Texas drivers need to carry at least 30/60/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Nacogdoches car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 13, 2022
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- The cheapest car insurance company in Nacogdoches for teen drivers is USAA
- The annual number of car thefts in Nacogdoches is 31.
- The cheapest car insurance company in Nacogdoches after a DUI is GEICO
Average car insurance rates in Nacogdoches, Texas are $315 a month. But with a little research you can get a great deal from the top car insurance companies in Nacogdoches, TX. Before you buy Nacogdoches, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.
It may even be helpful to compare Nacogdoches car insurance rates with Plano car insurance rates, Laredo car insurance rates, or El Paso car insurance rates to make sure you’re getting the best Nacogdoches, TX car insurance quotes available.
Need affordable Nacogdoches, TX car insurance? Enter your ZIP code to compare Nacogdoches car insurance quotes from multiple car insurance companies near you.
Table of Contents
Nacogdoches, TX Minimum Car Insurance Coverage
Nacogdoches, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.
| 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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Nacogdoches, TX Car Insurance Rates by Coverage Level
Some Nacogdoches drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Nacogdoches, Texas car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,262 | $5,340 | $5,557 |
| American Family | $3,777 | $3,918 | $4,519 |
| GEICO | $2,867 | $2,988 | $3,230 |
| Nationwide | $4,056 | $3,611 | $3,655 |
| Progressive | $4,313 | $4,540 | $4,838 |
| State Farm | $2,961 | $3,114 | $3,299 |
| USAA | $2,419 | $2,493 | $2,599 |
Nacogdoches, TX Car Insurance Rates by Age, Gender, and Marital Status
Nacogdoches, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Nacogdoches, TX car insurance, get quotes from multiple car insurance companies in the Nacogdoches area and see how these criteria affect your 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 | $3,474 | $3,498 | $3,428 | $3,428 | $9,297 | $11,203 | $4,295 | $4,464 |
| American Family | $2,439 | $2,714 | $2,294 | $2,625 | $6,499 | $8,500 | $3,505 | $3,993 |
| GEICO | $2,267 | $2,442 | $2,198 | $2,481 | $4,883 | $5,080 | $2,442 | $2,434 |
| Nationwide | $2,366 | $2,405 | $2,092 | $2,213 | $6,714 | $8,614 | $2,780 | $3,006 |
| Progressive | $2,418 | $2,284 | $2,159 | $2,196 | $10,264 | $11,451 | $2,854 | $2,882 |
| State Farm | $2,172 | $2,172 | $1,935 | $1,935 | $5,262 | $6,718 | $2,365 | $2,439 |
| USAA | $1,593 | $1,602 | $1,522 | $1,510 | $4,500 | $4,900 | $2,126 | $2,279 |
Nacogdoches, TX Car Insurance Rates for Teens
How much is Nacogdoches, Texas car insurance for teens? Compare rates from top Nacogdoches car insurance companies below to help find the cheapest teen car insurance in Nacogdoches, TX.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,297 | $11,203 |
| American Family | $6,499 | $8,500 |
| GEICO | $4,883 | $5,080 |
| Nationwide | $6,714 | $8,614 |
| Progressive | $10,264 | $11,451 |
| State Farm | $5,262 | $6,718 |
| USAA | $4,500 | $4,900 |
Nacogdoches, TX Car Insurance Rates for Seniors
Before seniors buy Nacogdoches, Texas car insurance, they should make sure to shop around. Some Nacogdoches, TX car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,428 | $3,428 |
| American Family | $2,294 | $2,625 |
| GEICO | $2,198 | $2,481 |
| Nationwide | $2,092 | $2,213 |
| Progressive | $2,159 | $2,196 |
| State Farm | $1,935 | $1,935 |
| USAA | $1,522 | $1,510 |
Nacogdoches, TX Car Insurance Rates by Credit History
How does your credit history affect Nacogdoches, TX car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,838 | $5,019 | $4,301 |
| American Family | $5,583 | $3,533 | $3,098 |
| GEICO | $4,665 | $2,648 | $1,772 |
| Nationwide | $4,528 | $3,636 | $3,158 |
| Progressive | $5,129 | $4,442 | $4,120 |
| State Farm | $4,427 | $2,754 | $2,193 |
| USAA | $3,677 | $2,125 | $1,710 |
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Nacogdoches, TX Car Insurance Rates by Driver History
How does a single speeding ticket affect your Nacogdoches, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Nacogdoches.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,155 | $6,471 | $6,763 | $4,155 |
| American Family | $3,718 | $4,709 | $4,140 | $3,718 |
| GEICO | $2,573 | $3,391 | $2,840 | $3,310 |
| Nationwide | $3,275 | $3,275 | $4,847 | $3,698 |
| Progressive | $3,977 | $5,162 | $4,644 | $4,471 |
| State Farm | $2,771 | $3,186 | $3,772 | $2,771 |
| USAA | $1,865 | $2,755 | $3,255 | $2,141 |
Nacogdoches, TX Car Insurance Rates With a DUI
Even a single DUI can increase your Nacogdoches, TX car insurance rates. Compare rates below to see which Nacogdoches car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,763 |
| American Family | $4,140 |
| GEICO | $2,840 |
| Nationwide | $4,847 |
| Progressive | $4,644 |
| State Farm | $3,772 |
| USAA | $3,255 |
Nacogdoches, TX Car Insurance Rates by ZIP Code
Just like Nacogdoches car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Nacogdoches, TX car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 75961 | $5,738 |
| 75962 | $5,698 |
| 75964 | $5,513 |
| 75965 | $5,637 |
Nacogdoches, TX Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Nacogdoches, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Nacogdoches companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,254 | $5,518 |
| American Family | $4,071 | $4,071 |
| GEICO | $2,973 | $3,084 |
| Nationwide | $3,774 | $3,774 |
| Progressive | $4,564 | $4,564 |
| State Farm | $3,125 | $3,125 |
| USAA | $2,472 | $2,535 |
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Nacogdoches, TX Cheapest Car Insurance Rates
How do the top Nacogdoches, Texas car insurance companies’ average rates stack up against the Nacogdoches average monthly car insurance rates of $315? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | GEICO |
| With 1 Speeding Violation | USAA |
Nacogdoches, TX Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Nacogdoches, Texas car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,386 |
| American Family | $4,071 |
| GEICO | $3,028 |
| Nationwide | $3,774 |
| Progressive | $4,564 |
| State Farm | $3,125 |
| USAA | $2,504 |
Other Factors Affecting Nacogdoches, TX Car Insurance Rates
Before you buy Nacogdoches, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Nacogdoches, TX Car Theft Rates
The car theft rate in Nacogdoches, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Nacogdoches, Texas is 31 stolen cars.
Nacogdoches, TX Commute Time
How does your Nacogdoches, TX commute time compare with the average driver? In Nacogdoches, the average commute is 17.4 minutes.
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Nacogdoches, TX Car Insurance Quotes
Compare Nacogdoches, TX car insurance quotes from multiple companies by entering your ZIP code now.