Compare Lone Oak, TX Car Insurance Rates (2021)

Car insurance in Lone Oak, TX averages $304 a month. Lone Oak, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Lone Oak car insurance rates, compare quotes from the top car insurance companies in Lone Oak, 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 Lone Oak, TX after a DUI are $4,175/year
  • The cheapest car insurance company in Lone Oak for teen drivers is USAA
  • Average car insurance rates in Lone Oak, TX are $3,651/year

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

You’ll find Lone Oak car insurance rates, the cheapest Lone Oak, TX car insurance companies, and information on Texas car insurance laws. You can also compare Lone Oak, Texas car insurance rates to Houston car insurance rates, Corpus Christi car insurance rates, and El Paso car insurance rates.

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

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

How do age, gender, and marital status affect Lone Oak, TX car insurance rates? Every Lone Oak, 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 Lone Oak, 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 $3,624 $3,652 $3,576 $3,576 $9,609 $11,592 $4,479 $4,661
American Family $2,399 $2,657 $2,221 $2,531 $6,128 $8,037 $3,396 $3,867
GEICO $2,215 $2,383 $2,143 $2,414 $4,794 $4,974 $2,387 $2,381
Nationwide $2,268 $2,304 $2,010 $2,124 $6,366 $8,151 $2,659 $2,871
Progressive $2,298 $2,187 $2,049 $2,088 $9,614 $10,708 $2,723 $2,761
State Farm $1,916 $1,916 $1,705 $1,705 $4,587 $5,847 $2,082 $2,148
USAA $1,569 $1,579 $1,497 $1,487 $4,414 $4,811 $2,093 $2,248

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Minimum Car Insurance in Lone Oak, TX

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

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

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

Annual Car Insurance Rates by Credit Score in Lone Oak, Texas

Insurance Company Poor Fair Good
Allstate $7,111 $5,213 $4,465
American Family $5,397 $3,368 $2,947
GEICO $4,560 $2,590 $1,735
Nationwide $4,312 $3,463 $3,008
Progressive $4,840 $4,188 $3,883
State Farm $3,877 $2,414 $1,923
USAA $3,622 $2,087 $1,678

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

Annual Lone Oak, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,330 $6,720 $7,005 $4,330
American Family $3,568 $4,515 $3,967 $3,568
GEICO $2,516 $3,319 $2,778 $3,233
Nationwide $3,125 $3,125 $4,603 $3,523
Progressive $3,755 $4,851 $4,380 $4,228
State Farm $2,433 $2,791 $3,295 $2,433
USAA $1,836 $2,707 $3,198 $2,107

Cheapest Lone Oak, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lone Oak, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,609 $11,592
American Family $6,128 $8,037
GEICO $4,794 $4,974
Nationwide $6,366 $8,151
Progressive $9,614 $10,708
State Farm $4,587 $5,847
USAA $4,414 $4,811

Cheapest Lone Oak, TX Car Insurance for Seniors

Take a look at Lone Oak, 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 Lone Oak, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,576 $3,576
American Family $2,221 $2,531
GEICO $2,143 $2,414
Nationwide $2,010 $2,124
Progressive $2,049 $2,088
State Farm $1,705 $1,705
USAA $1,497 $1,487

Cheapest Lone Oak, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lone Oak, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,005
American Family $3,967
GEICO $2,778
Nationwide $4,603
Progressive $4,380
State Farm $3,295
USAA $3,198

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Cheapest Lone Oak, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lone Oak, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,457 $5,735
American Family $3,904 $3,904
GEICO $2,909 $3,014
Nationwide $3,594 $3,594
Progressive $4,303 $4,303
State Farm $2,738 $2,738
USAA $2,431 $2,493

The Best Cheap Car Insurance Companies in Lone Oak, TX

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

Average Annual Car Insurance Rates by Company in Lone Oak, Texas

Insurance Company Average Annual Rates
Allstate $5,596
American Family $3,904
GEICO $2,962
Nationwide $3,594
Progressive $4,303
State Farm $2,738
USAA $2,462

Category Winners: Cheapest Car Insurance in Lone Oak, Texas

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

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

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

Annual Car Insurance Rates by Coverage Level in Lone Oak, Texas

Insurance Company Low Medium High
Allstate $5,469 $5,549 $5,771
American Family $3,646 $3,765 $4,302
GEICO $2,813 $2,930 $3,142
Nationwide $3,859 $3,443 $3,482
Progressive $4,104 $4,284 $4,522
State Farm $2,598 $2,729 $2,887
USAA $2,383 $2,453 $2,551

What affects car insurance rates in Lone Oak, Texas?

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

Commute Time in Lone Oak

The more time you spend in your car the higher the risk of an accident. The average commute length in Lone Oak, TX is 24.6 minutes according to City-Data.

Compare Car Insurance Quotes in Lone Oak, TX

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

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