Compare Lodi, TX Car Insurance Rates (2021)

Car insurance in Lodi, TX averages $325 a month. Lodi, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Lodi car insurance rates, compare quotes from the top car insurance companies in Lodi, 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

  • The cheapest car insurance company in Lodi is USAA
  • Average car insurance rates in Lodi, TX after a DUI are $4,423/year
  • Average car insurance rates in Lodi, TX are $3,896/year

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

You’ll find Lodi car insurance rates, the cheapest Lodi, TX car insurance companies, and information on Texas car insurance laws. You can also compare Lodi, Texas car insurance rates to Fort Worth car insurance rates, Laredo car insurance rates, and Houston car insurance rates.

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

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

How do age, gender, and marital status affect Lodi, TX car insurance rates? Every Lodi, 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 Lodi, 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 $3,399 $3,435 $3,360 $3,360 $8,826 $10,668 $4,201 $4,383
American Family $2,767 $3,073 $2,563 $2,930 $7,208 $9,474 $3,951 $4,508
GEICO $2,563 $2,751 $2,442 $2,735 $5,515 $5,796 $2,775 $2,799
Nationwide $2,463 $2,504 $2,175 $2,303 $7,037 $9,032 $2,899 $3,136
Progressive $2,482 $2,363 $2,210 $2,247 $10,421 $11,682 $2,950 $3,005
State Farm $2,053 $2,053 $1,821 $1,821 $4,834 $6,146 $2,226 $2,299
USAA $1,643 $1,659 $1,566 $1,561 $4,570 $4,996 $2,195 $2,367

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Minimum Car Insurance in Lodi, TX

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

Minimum Required Car Insurance Coverage in Lodi, 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 Lodi, TX Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Lodi, Texas

Insurance Company Poor Fair Good
Allstate $6,632 $4,842 $4,138
American Family $6,291 $3,939 $3,448
GEICO $5,287 $2,989 $1,990
Nationwide $4,734 $3,799 $3,298
Progressive $5,263 $4,542 $4,205
State Farm $4,120 $2,561 $2,038
USAA $3,786 $2,176 $1,747

Cheapest Lodi, 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 Lodi, TX to rates for a clean record with top companies.

Annual Lodi, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,069 $6,216 $6,462 $4,069
American Family $4,162 $5,280 $4,634 $4,162
GEICO $2,904 $3,814 $3,222 $3,748
Nationwide $3,420 $3,420 $5,071 $3,864
Progressive $4,069 $5,271 $4,761 $4,580
State Farm $2,592 $2,961 $3,481 $2,592
USAA $1,919 $2,826 $3,330 $2,203

Cheapest Lodi, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lodi, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,826 $10,668
American Family $7,208 $9,474
GEICO $5,515 $5,796
Nationwide $7,037 $9,032
Progressive $10,421 $11,682
State Farm $4,834 $6,146
USAA $4,570 $4,996

Cheapest Lodi, TX Car Insurance for Seniors

Take a look at Lodi, 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 Lodi, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,360 $3,360
American Family $2,563 $2,930
GEICO $2,442 $2,735
Nationwide $2,175 $2,303
Progressive $2,210 $2,247
State Farm $1,821 $1,821
USAA $1,566 $1,561

Cheapest Lodi, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lodi, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,462
American Family $4,634
GEICO $3,222
Nationwide $5,071
Progressive $4,761
State Farm $3,481
USAA $3,330

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Cheapest Lodi, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lodi, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,082 $5,326
American Family $4,559 $4,559
GEICO $3,355 $3,489
Nationwide $3,944 $3,944
Progressive $4,670 $4,670
State Farm $2,906 $2,906
USAA $2,537 $2,602

The Best Cheap Car Insurance Companies in Lodi, TX

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

Average Annual Car Insurance Rates by Company in Lodi, Texas

Insurance Company Average Annual Rates
Allstate $5,204
American Family $4,559
GEICO $3,422
Nationwide $3,944
Progressive $4,670
State Farm $2,906
USAA $2,570

Category Winners: Cheapest Car Insurance in Lodi, Texas

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

Best Annual Car Insurance Rates by Company in Lodi, 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 Lodi, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lodi, Texas

Insurance Company Low Medium High
Allstate $5,074 $5,155 $5,383
American Family $4,251 $4,396 $5,031
GEICO $3,265 $3,382 $3,619
Nationwide $4,245 $3,773 $3,813
Progressive $4,427 $4,650 $4,933
State Farm $2,764 $2,896 $3,059
USAA $2,486 $2,559 $2,663

What affects car insurance rates in Lodi, Texas?

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

Traffic in Lodi

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lodi, TX traffic data from INRIX ranks Lodi as the 464th-most congested in the world.

Compare Car Insurance Quotes in Lodi, TX

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

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