Compare Live Oak, TX Car Insurance Rates [2023]
Car insurance in Live Oak, TX averages $330 a month. Live Oak, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Live Oak car insurance rates, compare quotes from the top car insurance companies in Live Oak, TX.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Oct 20, 2022
It’s all about you. We want to help you make the right 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 20, 2022
It’s all about you. We want to help you make the right 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 Live Oak is USAA
- The cheapest car insurance company in Live Oak for teen drivers is USAA
- Average car insurance rates in Live Oak, TX are $3,963/year
If you need to buy Live Oak, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Live Oak, TX is right here.
You’ll find Live Oak car insurance rates, the cheapest Live Oak, TX car insurance companies, and information on Texas car insurance laws. You can also compare Live Oak, Texas car insurance rates to Plano car insurance rates, Austin car insurance rates, and Laredo car insurance rates.
Ready to find affordable Live Oak, TX car insurance today? Enter your ZIP code for fast, free Live Oak car insurance quotes.
Cheapest Live Oak, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Live Oak, TX car insurance rates? Every Live Oak, Texas car insurance company weighs these factors differently, so check out the comparison 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 | $3,476 | $3,502 | $3,430 | $3,430 | $9,247 | $11,151 | $4,297 | $4,469 |
| American Family | $2,930 | $3,281 | $2,800 | $3,226 | $8,306 | $10,909 | $4,312 | $4,942 |
| Geico | $2,457 | $2,661 | $2,384 | $2,732 | $5,467 | $5,596 | $2,658 | $2,624 |
| Nationwide | $2,271 | $2,306 | $2,010 | $2,124 | $6,457 | $8,274 | $2,671 | $2,886 |
| Progressive | $2,362 | $2,241 | $2,108 | $2,144 | $10,016 | $11,193 | $2,800 | $2,843 |
| State Farm | $2,235 | $2,235 | $1,998 | $1,998 | $5,427 | $6,925 | $2,436 | $2,504 |
| USAA | $1,673 | $1,670 | $1,612 | $1,585 | $4,831 | $5,216 | $2,224 | $2,353 |
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Minimum Car Insurance in Live Oak, TX
Every driver must carry the minimum car insurance in Live Oak, TX. Take a look at the Texas car insurance requirements.
| 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 |
Cheapest Live Oak, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Live Oak, TX. Compare credit history car insurance rates in Live Oak from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,827 | $5,007 | $4,291 |
| American Family | $6,938 | $4,430 | $3,897 |
| Geico | $5,130 | $2,903 | $1,935 |
| Nationwide | $4,343 | $3,494 | $3,037 |
| Progressive | $5,017 | $4,345 | $4,029 |
| State Farm | $4,550 | $2,841 | $2,269 |
| USAA | $3,852 | $2,258 | $1,826 |
Cheapest Live Oak, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Live Oak, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,153 | $6,459 | $6,736 | $4,153 |
| American Family | $4,633 | $5,907 | $5,180 | $4,633 |
| Geico | $2,817 | $3,740 | $3,103 | $3,629 |
| Nationwide | $3,148 | $3,148 | $4,651 | $3,552 |
| Progressive | $3,891 | $5,043 | $4,543 | $4,376 |
| State Farm | $2,851 | $3,283 | $3,894 | $2,851 |
| USAA | $1,960 | $2,922 | $3,450 | $2,251 |
Cheapest Live Oak, TX Car Insurance for Teen Drivers
Teen car insurance in Live Oak, TX can be expensive. Take a look at rates from the top car insurance companies in Live Oak for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,247 | $11,151 |
| American Family | $8,306 | $10,909 |
| Geico | $5,467 | $5,596 |
| Nationwide | $6,457 | $8,274 |
| Progressive | $10,016 | $11,193 |
| State Farm | $5,427 | $6,925 |
| USAA | $4,831 | $5,216 |
Cheapest Live Oak, TX Car Insurance for Seniors
Take a look at Live Oak, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,430 | $3,430 |
| American Family | $2,800 | $3,226 |
| Geico | $2,384 | $2,732 |
| Nationwide | $2,010 | $2,124 |
| Progressive | $2,108 | $2,144 |
| State Farm | $1,998 | $1,998 |
| USAA | $1,612 | $1,585 |
Cheapest Live Oak, TX Car Insurance Rates After a DUI
A DUI in Live Oak, TX increases car insurance rates. Compare Live Oak, Texas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,736 |
| American Family | $5,180 |
| Geico | $3,103 |
| Nationwide | $4,651 |
| Progressive | $4,543 |
| State Farm | $3,894 |
| USAA | $3,450 |
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Cheapest Live Oak, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Live Oak, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,241 | $5,509 |
| American Family | $5,088 | $5,088 |
| Geico | $3,262 | $3,383 |
| Nationwide | $3,625 | $3,625 |
| Progressive | $4,463 | $4,463 |
| State Farm | $3,220 | $3,220 |
| USAA | $2,612 | $2,679 |
The Best Cheap Car Insurance Companies in Live Oak, TX
Take a look at a side-by-side comparison of the top car insurance companies in Live Oak, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,375 |
| American Family | $5,088 |
| Geico | $3,322 |
| Nationwide | $3,625 |
| Progressive | $4,463 |
| State Farm | $3,220 |
| USAA | $2,646 |
Category Winners: Cheapest Car Insurance in Live Oak, Texas
Find the cheapest car insurance companies in Live Oak, TX for each category right here.
| 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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Cheapest Live Oak, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Live Oak car insurance rates. Find the cheapest Live Oak, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,254 | $5,330 | $5,541 |
| American Family | $4,695 | $4,885 | $5,684 |
| Geico | $3,126 | $3,281 | $3,561 |
| Nationwide | $3,900 | $3,473 | $3,502 |
| Progressive | $4,246 | $4,443 | $4,701 |
| State Farm | $3,033 | $3,208 | $3,418 |
| USAA | $2,537 | $2,632 | $2,768 |
What affects car insurance rates in Live Oak, Texas?
What factors can have an impact on Live Oak, TX car insurance? There are several reasons why Live Oak car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Live Oak, Texas.
Car Theft in Live Oak
High levels of vehicle theft can make car insurance more expensive. Live Oak, TX car theft statistics from the FBI indicate 39 vehicle thefts a year.
Commute Time in Live Oak
The more time you spend in your car the higher the risk of an accident. The average commute length in Live Oak, TX is 25.3 minutes according to City-Data.
Compare Car Insurance Quotes in Live Oak, TX
Ready to find affordable Live Oak, Texas car insurance today? Enter your ZIP code for fast, free Live Oak, TX car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.