Compare Lockhart, TX Car Insurance Rates (2021)

Car insurance in Lockhart, TX averages $305 a month. Lockhart, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Lockhart car insurance rates, compare quotes from the top car insurance companies in Lockhart, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lockhart, TX after a DUI are $4,206/year
  • Average car insurance rates in Lockhart, TX are $3,664/year
  • The cheapest car insurance company in Lockhart for teen drivers is USAA

If you need to buy Lockhart, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Lockhart, TX is right here.

You’ll find Lockhart car insurance rates, the cheapest Lockhart, TX car insurance companies, and information on Texas car insurance laws. You can also compare Lockhart, Texas car insurance rates to Houston car insurance rates, Dallas car insurance rates, and San Antonio car insurance rates.

Ready to find affordable Lockhart, TX car insurance today? Enter your ZIP code for fast, free Lockhart car insurance quotes.

Cheapest Lockhart, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lockhart, TX car insurance rates? Every Lockhart, Texas car insurance company weighs these factors differently, so check out the comparison rates.

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

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Minimum Car Insurance in Lockhart, TX

Every driver must carry the minimum car insurance in Lockhart, TX. Take a look at the Texas car insurance requirements.

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

Cheapest Lockhart, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lockhart, TX. Compare credit history car insurance rates in Lockhart from top companies for good, fair, and poor credit.

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

Cheapest Lockhart, 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 Lockhart, TX to rates for a clean record with top 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

Cheapest Lockhart, TX Car Insurance for Teen Drivers

Teen car insurance in Lockhart, TX can be expensive. Take a look at rates from the top car insurance companies in Lockhart for teenagers.

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

Cheapest Lockhart, TX Car Insurance for Seniors

Take a look at Lockhart, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Lockhart, TX Car Insurance Rates After a DUI

A DUI in Lockhart, TX increases car insurance rates. Compare Lockhart, Texas DUI car insurance by company to find the cheapest option.

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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Cheapest Lockhart, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lockhart, TX by commute? Take a look at a comparison of the top companies by commute length.

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

The Best Cheap Car Insurance Companies in Lockhart, TX

Take a look at a side-by-side comparison of the top car insurance companies in Lockhart, TX to find the best option for your needs.

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

Category Winners: Cheapest Car Insurance in Lockhart, Texas

Find the cheapest car insurance companies in Lockhart, TX for each category right here.

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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Cheapest Lockhart, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lockhart car insurance rates. Find the cheapest Lockhart, TX car insurance rates by coverage level.

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

What affects car insurance rates in Lockhart, Texas?

What factors can have an impact on Lockhart, TX car insurance? There are several reasons why Lockhart car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lockhart, Texas.

Car Theft in Lockhart

High levels of vehicle theft can make car insurance more expensive. Lockhart, TX car theft statistics from the FBI indicate 7 vehicle thefts a year.

Commute Time in Lockhart

The more time you spend in your car the higher the risk of an accident. The average commute length in Lockhart, TX is 30.2 minutes according to City-Data.

Compare Car Insurance Quotes in Lockhart, TX

Ready to find affordable Lockhart, Texas car insurance today? Enter your ZIP code for fast, free Lockhart, TX car insurance quotes.

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