Cheap Quotes for Lago Vista, TX Car Insurance (2025)
Lago Vista, Texas car insurance rates average $314 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Lago Vista, TX companies, you can find cheap Lago Vista car insurance quotes to fit your needs and budget.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management 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 Automatio...
Insurance Operations Specialist
UPDATED: Jan 27, 2025
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 27, 2025
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Lago Vista is USAA
- Average car insurance rates in Lago Vista, TX after a DUI are $4,279/year
- Average car insurance rates in Lago Vista, TX are $314/month
How do the Lago Vista, Texas monthly average car insurance rates of $314/month compare to nearby cities like Austin car insurance rates, Dallas car insurance rates, and El Paso car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lago Vista, TX.
We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Lago Vista, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lago Vista, Texas companies to find the most affordable Lago Vista car insurance rates.
Enter your ZIP code above to find cheap Lago Vista, TX car insurance quotes today.
What are the minimum Lago Vista, TX car insurance requirements?
To meet Texas minimum car insurance coverage requirements, Lago Vista, TX drivers need to carry at least 30/60/25 coverage.
| 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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How do age, gender, and marital status affect Lago Vista, TX car insurance rates?
Three of the criteria that most affect car insurance rates in Lago Vista, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lago Vista car insurance companies.
| 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 | $3,472 | $3,498 | $3,426 | $3,426 | $9,269 | $11,174 | $4,293 | $4,465 |
| American Family | $2,567 | $2,877 | $2,459 | $2,834 | $7,202 | $9,369 | $3,761 | $4,285 |
| Geico | $2,411 | $2,601 | $2,310 | $2,624 | $5,339 | $5,523 | $2,617 | $2,613 |
| Nationwide | $2,023 | $2,054 | $1,793 | $1,894 | $5,698 | $7,299 | $2,374 | $2,564 |
| Progressive | $2,420 | $2,319 | $2,149 | $2,193 | $10,036 | $11,196 | $2,886 | $2,949 |
| State Farm | $2,113 | $2,113 | $1,885 | $1,885 | $5,142 | $6,566 | $2,303 | $2,372 |
| USAA | $1,599 | $1,601 | $1,531 | $1,511 | $4,517 | $4,899 | $2,119 | $2,256 |
How much do teen drivers pay for car insurance in Lago Vista, TX?
Lago Vista, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Lago Vista car insurance rates from multiple Lago Vista, Texas car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,269 | $11,174 |
| American Family | $7,202 | $9,369 |
| Geico | $5,339 | $5,523 |
| Nationwide | $5,698 | $7,299 |
| Progressive | $10,036 | $11,196 |
| State Farm | $5,142 | $6,566 |
| USAA | $4,517 | $4,899 |
How much do senior drivers pay for car insurance in Lago Vista, TX?
With a little research, seniors can find affordable car insurance in Lago Vista, Texas. Here’s a look at how the top Lago Vista car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,426 | $3,426 |
| American Family | $2,459 | $2,834 |
| Geico | $2,310 | $2,624 |
| Nationwide | $1,793 | $1,894 |
| Progressive | $2,149 | $2,193 |
| State Farm | $1,885 | $1,885 |
| USAA | $1,531 | $1,511 |
How does coverage level affect Lago Vista, TX car insurance rates?
How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Lago Vista, TX car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,255 | $5,332 | $5,547 |
| American Family | $4,080 | $4,244 | $4,934 |
| Geico | $3,089 | $3,221 | $3,455 |
| Nationwide | $3,462 | $3,081 | $3,095 |
| Progressive | $4,344 | $4,502 | $4,710 |
| State Farm | $2,892 | $3,043 | $3,208 |
| USAA | $2,417 | $2,495 | $2,601 |
How does your driving record affect Lago Vista, TX car insurance rates?
Safe driving pays off. The more traffic violations you have in Lago Vista, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lago Vista, Texas companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,155 | $6,455 | $6,746 | $4,155 |
| American Family | $4,022 | $5,131 | $4,501 | $4,022 |
| Geico | $2,761 | $3,653 | $3,049 | $3,556 |
| Nationwide | $2,792 | $2,792 | $4,117 | $3,148 |
| Progressive | $3,943 | $5,080 | $4,604 | $4,448 |
| State Farm | $2,700 | $3,107 | $3,684 | $2,700 |
| USAA | $1,864 | $2,759 | $3,254 | $2,140 |
How does a DUI affect Lago Vista, TX car insurance rates?
With even one DUI on your record, you can see an increase in your Lago Vista, TX car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,746 |
| American Family | $4,501 |
| Geico | $3,049 |
| Nationwide | $4,117 |
| Progressive | $4,604 |
| State Farm | $3,684 |
| USAA | $3,254 |
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How does your credit history affect Lago Vista, TX car insurance rates?
Take a look at the data here to see how your Lago Vista, Texas car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,829 | $5,012 | $4,293 |
| American Family | $5,998 | $3,872 | $3,388 |
| Geico | $5,023 | $2,844 | $1,897 |
| Nationwide | $3,841 | $3,098 | $2,698 |
| Progressive | $5,091 | $4,394 | $4,070 |
| State Farm | $4,316 | $2,686 | $2,140 |
| USAA | $3,675 | $2,126 | $1,711 |
How does your commute affect Lago Vista, TX car insurance rates?
Lago Vista, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Lago Vista if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,248 | $5,508 |
| American Family | $4,419 | $4,419 |
| Geico | $3,194 | $3,315 |
| Nationwide | $3,212 | $3,212 |
| Progressive | $4,519 | $4,519 |
| State Farm | $3,048 | $3,048 |
| USAA | $2,472 | $2,536 |
Who has the cheapest Lago Vista, TX car insurance rates?
Here’s a breakdown of Lago Vista, Texas car insurance rates by company. You can see which company offers the cheapest Lago Vista car insurance rates in each category.
| 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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What are the top Lago Vista, TX car insurance companies?
Which Lago Vista, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Lago Vista companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,378 |
| American Family | $4,419 |
| Geico | $3,255 |
| Nationwide | $3,212 |
| Progressive | $4,519 |
| State Farm | $3,048 |
| USAA | $2,504 |
What factors affect Lago Vista, TX car insurance rates?
Why are Lago Vista, Texas car insurance rates different than rates in Austin or Dallas? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Lago Vista, TX?
FBI statistics show that the Lago Vista, Texas car theft rate is 6 thefts each year. High theft rates can lead to higher than average Lago Vista, TX car insurance rates.
Car Insurance Quotes for Lago Vista, TX
Shop for affordable Lago Vista, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Lago Vista, TX car insurance companies.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management 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 Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.