Cheap Quotes for Lago Vista, TX Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Lago Vista, 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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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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lago Vista, 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 $3,472 $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.

Annual Car Insurance Rates for Teen Drivers in Lago Vista, Texas

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.

Annual Car Insurance Rates for Senior Drivers in Lago Vista, Texas

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.

Annual Car Insurance Rates by Coverage Level in Lago Vista, Texas

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.

Annual Lago Vista, Texas Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Lago Vista, Texas

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.

Annual Car Insurance Rates by Credit Score in Lago Vista, Texas

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.

Annual Car Insurance Rates by Commute Length in Lago Vista, Texas

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.

Best Annual Car Insurance Rates by Company in Lago Vista, 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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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.

Average Annual Car Insurance Rates by Company in Lago Vista, Texas

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

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