Buy Cheap Lone Oak, TX Auto Insurance (2021)

Lone Oak, TX auto insurance rates average $304 a month. Minimum auto insurance requirements in Lone Oak, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Lone Oak, TX, compare Lone Oak auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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.

A Concise Overview

  • The most expensive auto insurance company in Lone Oak after a DUI is Allstate
  • The most expensive auto insurance company in Lone Oak is Allstate
  • Average auto insurance rates in Lone Oak, TX for teens drivers are $6,502/year

Finding affordable Lone Oak, Texas auto insurance can be challenging, but everything you need to know to buy cheap Lone Oak, TX auto insurance with confidence is right here. Auto insurance rates in Lone Oak are affected by local factors as well as personal ones like your driving record.

See how Lone Oak, TX car insurance rates compare to El Paso auto insurance rates, Arlington auto insurance rates, and Plano auto insurance rates before you read more about the cost of auto insurance in Lone Oak.

Don’t buy Lone Oak, TX auto insurance until you’ve compared rates. Get free Lone Oak, Texas auto insurance quotes when you enter your ZIP code above.

Lone Oak, TX Minimum Auto Insurance Requirements

The required auto insurance in Lone Oak, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Lone Oak, Texas is outlined here.

Minimum Required Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lone Oak, TX Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lone Oak, TX. Take a look at Lone Oak, Texas auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Lone Oak, TX Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lone Oak, Texas auto insurance rates? Find out how car insurance rates in Lone Oak, TX are impacted by demographics.

Annual Auto 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

Buy Cheap Lone Oak, TX Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lone Oak can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lone Oak, TX are listed here.

Annual Auto 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

Buy Cheap Lone Oak, TX Auto Insurance for Seniors

You can save on senior auto insurance rates in Lone Oak, Texas by comparing Lone Oak senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lone Oak, TX here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Lone Oak, TX by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lone Oak, Texas auto insurance. Compare Lone Oak, TX auto insurance rates by coverage level.

Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lone Oak, TX Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lone Oak. Compare auto insurance rates in Lone Oak, TX by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Lone Oak, TX Auto Insurance Rates by Driving Record

Auto insurance rates in Lone Oak, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lone Oak, TX, take a look at the average cost for various violations versus rates for a clean driving record in Lone Oak.

Annual Lone Oak, Texas Auto 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

Find Cheap Lone Oak, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lone Oak, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Lone Oak for less when you shop around and compare rates from multiple Lone Oak, TX auto insurance companies.

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

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Lone Oak, TX

Compare rates from the cheapest auto insurance companies in Lone Oak, TX for your needs. Take a look at how Lone Oak, Texas auto insurance companies stack up for each category.

Best Annual Auto 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Lone Oak, Texas Auto Insurance Companies

If you’re looking for the cheapest Lone Oak, TX auto insurance companies overall, you can compare them here. Find the best price for Lone Oak, Texas car insurance by company.

Average Annual Auto 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

What affects Lone Oak, Texas auto insurance rates?

Local factors affect auto insurance rates in Lone Oak, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Lone Oak auto insurance rates.

Commute Times in Lone Oak

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lone Oak, TX is 24.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Lone Oak, TX

You can buy cheap Lone Oak, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lone Oak, Texas auto insurance quotes from top companies.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption