Cheap Quotes for Lockhart, TX Car Insurance (2021)

Lockhart, Texas car insurance rates average $305 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Lockhart, TX companies, you can find cheap Lockhart 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

  • Average car insurance rates in Lockhart, TX after a DUI are $4,206/year
  • Average car insurance rates in Lockhart, TX for senior drivers are $2,228/year
  • The cheapest car insurance company in Lockhart is USAA

How do the Lockhart, Texas monthly average car insurance rates of $305/month compare to nearby cities like Corpus Christi car insurance rates, Dallas car insurance rates, and Houston car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lockhart, TX.

We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Lockhart, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lockhart, Texas companies to find the most affordable Lockhart car insurance rates.

Enter your ZIP code above to find cheap Lockhart, TX car insurance quotes today.

What are the minimum Lockhart, TX car insurance requirements?

To meet Texas minimum car insurance coverage requirements, Lockhart, TX drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Lockhart, 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 Lockhart, TX car insurance rates?

Three of the criteria that most affect car insurance rates in Lockhart, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lockhart car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lockhart, 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 $3,501 $3,520 $3,452 $3,452 $9,413 $11,330 $4,323 $4,487
American Family $2,465 $2,745 $2,328 $2,666 $6,649 $8,710 $3,557 $4,059
GEICO $2,186 $2,360 $2,112 $2,404 $4,731 $4,893 $2,362 $2,345
Nationwide $2,472 $2,517 $2,180 $2,312 $7,033 $9,051 $2,906 $3,149
Progressive $2,082 $1,977 $1,863 $1,895 $8,736 $9,732 $2,460 $2,491
State Farm $2,068 $2,068 $1,839 $1,839 $4,935 $6,287 $2,247 $2,318
USAA $1,499 $1,510 $1,432 $1,424 $4,158 $4,532 $1,995 $2,141

How much do teen drivers pay for car insurance in Lockhart, TX?

Lockhart, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Lockhart car insurance rates from multiple Lockhart, Texas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Lockhart, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,413 $11,330
American Family $6,649 $8,710
GEICO $4,731 $4,893
Nationwide $7,033 $9,051
Progressive $8,736 $9,732
State Farm $4,935 $6,287
USAA $4,158 $4,532

How much do senior drivers pay for car insurance in Lockhart, TX?

With a little research, seniors can find affordable car insurance in Lockhart, Texas. Here’s a look at how the top Lockhart car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Lockhart, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,452 $3,452
American Family $2,328 $2,666
GEICO $2,112 $2,404
Nationwide $2,180 $2,312
Progressive $1,863 $1,895
State Farm $1,839 $1,839
USAA $1,432 $1,424

How does coverage level affect Lockhart, 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 Lockhart, TX car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Lockhart, Texas

Insurance Company Low Medium High
Allstate $5,308 $5,387 $5,609
American Family $3,878 $4,005 $4,558
GEICO $2,753 $2,879 $3,140
Nationwide $4,269 $3,782 $3,806
Progressive $3,717 $3,887 $4,109
State Farm $2,799 $2,940 $3,111
USAA $2,258 $2,328 $2,424

How does your driving record affect Lockhart, TX car insurance rates?

Safe driving pays off. The more traffic violations you have in Lockhart, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lockhart, Texas companies.

Annual Lockhart, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,176 $6,547 $6,839 $4,176
American Family $3,773 $4,822 $4,222 $3,773
GEICO $2,485 $3,268 $2,742 $3,201
Nationwide $3,422 $3,422 $5,094 $3,872
Progressive $3,410 $4,405 $3,971 $3,831
State Farm $2,624 $3,006 $3,547 $2,624
USAA $1,745 $2,569 $3,028 $2,003

How does a DUI affect Lockhart, TX car insurance rates?

With even one DUI on your record, you can see an increase in your Lockhart, TX car insurance rates.

Annual Car Insurance Rates After a DUI in Lockhart, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,839
American Family $4,222
GEICO $2,742
Nationwide $5,094
Progressive $3,971
State Farm $3,547
USAA $3,028

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How does your credit history affect Lockhart, TX car insurance rates?

Take a look at the data here to see how your Lockhart, Texas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Lockhart, Texas

Insurance Company Poor Fair Good
Allstate $6,897 $5,065 $4,343
American Family $5,690 $3,602 $3,149
GEICO $4,500 $2,558 $1,714
Nationwide $4,745 $3,805 $3,307
Progressive $4,384 $3,801 $3,528
State Farm $4,180 $2,600 $2,070
USAA $3,434 $1,982 $1,594

How does your commute affect Lockhart, TX car insurance rates?

Lockhart, 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 Lockhart if you’re financing.

Annual Car Insurance Rates by Commute Length in Lockhart, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,298 $5,571
American Family $4,147 $4,147
GEICO $2,867 $2,981
Nationwide $3,952 $3,952
Progressive $3,905 $3,905
State Farm $2,950 $2,950
USAA $2,307 $2,366

Who has the cheapest Lockhart, TX car insurance rates?

Here’s a breakdown of Lockhart, Texas car insurance rates by company. You can see which company offers the cheapest Lockhart car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Lockhart, 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 Lockhart, TX car insurance companies?

Which Lockhart, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Lockhart companies to find the one for you.

Average Annual Car Insurance Rates by Company in Lockhart, Texas

Insurance Company Average Annual Rates
Allstate $5,435
American Family $4,147
GEICO $2,924
Nationwide $3,953
Progressive $3,905
State Farm $2,950
USAA $2,336

What factors affect Lockhart, TX car insurance rates?

Why are Lockhart, Texas car insurance rates different than rates in Corpus Christi 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 Lockhart, TX?

FBI statistics show that the Lockhart, Texas car theft rate is 7 thefts each year. High theft rates can lead to higher than average Lockhart, TX car insurance rates.

How long is the average commute in Lockhart, TX?

More time spent behind the wheel can lead to higher Lockhart, Texas car insurance rates. In Lockhart, TX, the average commute length is 30.2 minutes.

Car Insurance Quotes for Lockhart, TX

Shop for affordable Lockhart, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Lockhart, TX car insurance companies.

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