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Cheapest car insurance in Lufkin, Texas (Nov 2024)
Cheapest car insurance in Lufkin, Texas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lufkin, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Lufkin
- Best car insurance companies in Lufkin
- Best cheap car insurance quotes in Lufkin
- Average cost of car insurance in Lufkin
- Car insurance quotes in Lufkin by rating factors
- How do different factors impact your car insurance costs in Lufkin?
- Cheap car insurance quotes in Lufkin after driving violations
- Cheap car insurance quotes in Lufkin by age
- Cheap car insurance quotes in Lufkin based on insurance history
- Cheap car insurance quotes in Lufkin for drivers with poor credit
- Cheap car insurance quotes in Lufkin for popular cars
- How to lower car insurance costs in Lufkin
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Lufkin
In Lufkin, the average
auto insurance
policy costs about $106 per month for minimum coverage liability insurance, and about $152 per month for full coverage insurance. Lufkin drivers pay -- than the Texas
average. Every month, thousands of savvy car insurance shoppers in Lufkin, Texas use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Lufkin customers. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $127 | Ricardo, 44 Zip: 75904 | Nissan Kicks S | • State Minimum Liability • Comp / Collision |
| Safeco | $76 | Betty, 34 Zip: 75901 | Chevrolet Tahoe C1500 LTZ | • State Minimum Liability |
| Allstate | $160 | Carlos, 37 Zip: 75901 | Honda Accord Sport | • State Minimum Liability • Comp / Collision |
| Nationwide | $194 | Donald, 24 Zip: 75901 | GMC Acadia SLT-2 | • 50,000/100,000 Liability • Comp / Collision |
| Kemper | $66 | Tom, 39 Zip: 75901 | Toyota Corolla L | • State Minimum Liability |
Last Updated Nov 22, 2024Best car insurance companies in Lufkin
No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service. Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
| USAA | 4.2 | 3.3 | 4.4 | 4.3 |
| State Farm | 3.9 | 3.4 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lufkin
Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Lufkin—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Lufkin
To hit the road legally, Lufkin drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Jerry has helped Lufkin drivers find affordable minimum liability coverage with no hassles.
Ricardo (44 years old)
$127
per month
Gainsco
Eunice (60 years old)
CoverageState Minimum
Lufkin, TX (Zip Code: 75904)
GMC Acadia SLT-1$110
per month
Alexander (30 years old)
CoverageState Minimum
Lufkin, TX (Zip Code: 75901)
Isuzu Rodeo S$89
per month
Do you need more than minimum coverage in Lufkin?
Most drivers in Lufkin need higher liability coverage than the 30/60/25 state minimum mandated by
Texas car insurance laws
. If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.
It’s important to note that
Texas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date! The bottom line: For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Lufkin
Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage includes comprehensive and collision coverage:
- Collision coveragecovers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coveragepays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Jerry has helped drivers in Lufkin and beyond find full coverage quotes that won’t break the bank.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $127 | Ricardo, 44 Zip: 75904 | Nissan Kicks S |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $194 | Donald, 24 Zip: 75901 | GMC Acadia SLT-2 |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $86 | Mollie, 26 Zip: 75901 | Dodge Journey SXT |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $112 | Ricky, 53 Zip: 75901 | Ford Focus SE |
• State Minimum Liability • Comp / Collision | Ready Insurance | $91 | Kenneth, 59 Zip: 75904 | Cadillac CTS HI Feature V6 |
Last Updated Nov 23, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers an app that compares car insurance quotes for free and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Lufkin
After analyzing scores of insurance providers in Lufkin, we have discovered that the average price for minimum liability coverage amounts to be $106 per month or $1,276 per year. Additionally, residents of Lufkin can expect to pay an average of $152 per month or $1,821 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
75901 | $76 | $192 |
75904 | $52 | $167 |
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Lufkin by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Lufkin?
How do different factors impact your car insurance costs in Lufkin?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Lufkin:
Cheap car insurance quotes in Lufkin after driving violations
Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Lufkin after speeding ticket
In Lufkin, a speeding ticket could increase your car insurance rate by about --. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
Last Updated Nov 17, 2024 Cheapest car insurance in Lufkin after DUI
A
DUI
in Lufkin is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates
. Jerry has assisted many Lufkin drivers with finding affordable rates after a DUI.
Cheapest car insurance in Lufkin after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $181 | Rose, 27 Zip: 75901 | Nissan Altima SV | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Allstate | $136 | Brett, 73 Zip: 75904 | Honda CR-V LX | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $147 | Trevor, 29 Zip: 75901 | Honda Accord Sport SE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $141 | Noah, 66 Zip: 75901 | Buick Encore Preferred | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance in Lufkin after other driving violations
Speeding tickets, DUIs,
reckless driving
, and suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Lufkin.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Safeco | $147 | Russell, 29 Zip: 75901 | Honda Accord Sport SE | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Safeco | $147 | Minnie, 29 Zip: 75901 | Honda Accord Sport SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 23, 2024Cheap car insurance quotes in Lufkin by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Lufkin for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Lufkin. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents. Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
Bessie (20 years old)
$105
per month
Gainsco
Dominic (23 years old)
$394
per month
Electric
Mitchell (23 years old)
$369
per month
Sophia (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lufkin, TX (Zip Code: 75901)
GMC Acadia SLT-2$184
per month
Cheapest car insurance in Lufkin for senior drivers
Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
Cheap car insurance quotes in Lufkin based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Rebecca (54 years old)
$105
per month
Gainsco
Larry (60 years old)
Currently Insured
CoverageState Minimum
Lufkin, TX (Zip Code: 75904)
GMC Acadia SLT-1$110
per month
Cheap car insurance quotes in Lufkin for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:
| Credit range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $387 | Blanche, 23 Zip: 75904 | Hyundai Palisade SEL Premium | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $132 | Elsie, 23 Zip: 75904 | Jeep Cherokee Latitude | • State Minimum Liability • Comp / Collision |
660 - 750 | Bristol West | $219 | Ronald, 49 Zip: 75901 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
550 - 659 | Allstate | $193 | Joshua, 46 Zip: 75904 | Toyota Corolla L | • 100,000/300,000 Liability • Comp / Collision |
< 550 | Gainsco | $110 | Larry, 60 Zip: 75904 | GMC Acadia SLT-1 | • State Minimum Liability |
Last Updated Nov 20, 2024Cheap car insurance quotes in Lufkin for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Lufkin. Every model has a unique cost of repair, set of safety features, and rate of theft.
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Honda Civic LX | Progressive | $79 | Henry, 72 Zip: 75904 | • State Minimum Liability |
| Toyota Corolla L | Allstate | $193 | Theresa, 46 Zip: 75904 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest car insurance in Lufkin for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Lufkin is generally more expensive than that of an older car.
Average insurance rates in Lufkin for vehicles based on age are:
- Vehicles 10 years or older: $101
- Vehicles less than 4 years old: $216
Ricardo (44 years old)
$127
per month
Donald (24 years old)
2007 GMC Acadia SLT-2
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lufkin, TX (Zip Code: 75901)
$194
per month
Betty (34 years old)
$76
per month
Edgar (69 years old)
2018 Hyundai Sonata Sport
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Lufkin, TX (Zip Code: 75904)
$170
per month
Tom (39 years old)
$66
per month
How to lower car insurance costs in Lufkin
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—comparing car insurance quotes with Jerry is free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
What is the cheapest car insurance in Lufkin?
Based on thousands of Lufkin drivers Jerry has worked with, car insurance in Lufkin costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Lufkin, Texas?
The state-minimum car insurance in Lufkin, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
What is the best car insurance in Lufkin?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica and Direct Auto receive good ratings from Lufkin drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
How much is car insurance in Lufkin?
People living in Lufkin pay on average $106 per month – or $1,276 per year – on state-minimum liability coverage. Full coverage in Lufkin costs on average $152 per month or $1,821 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.