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How much is car insurance in Lufkin?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Lufkin are slightly less expensive than the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Lufkin is rather affordable. It's around $17 less to insure your vehicle compared to the average rate for the United States as a whole.
While these numbers are the average rates for auto insurance in Lufkin, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Lufkin to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Lufkin Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates creep back up a bit once you hit retirement age in Lufkin.
Lufkin Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Lufkin, this difference shakes out to about $11 per month. Looking at the table above, you can see that female drivers pay around $59 on average, while male drivers typically pay $70 each month.
Lufkin Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Lufkin with one accident will pay around $66 a month. Similarly, drivers with one ticket will typically pay around $83 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Lufkin Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$62|
In Lufkin, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $53 per month to insure their vehicle.
Truck and van drivers will see rates of about $71, while the rates for SUV owners average out to about $53 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Lufkin, the most expensive vehicles to insure are vehicles six-to-seven years old.
Lufkin Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
More often than not, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Lufkin is about $17 a month, with married couples paying less for coverage than single drivers.
Lufkin Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$114|
Another factor taken into consideration is your housing situation. In Lufkin, homeowners can expect to pay around $3 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Lufkin, TX
Recent trends in car insurance for Lufkin drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Car insurance rates in Lufkin declined from 2017-2019, when they hit a low of $54. This changed in 2020, when they began to rise again. Insurance rates finished down in 2022, at $55 per month
How does Lufkin compare to neighboring areas?
Why are car insurance rates in Lufkin different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Regional crime rates
- Amount of drivers in the area
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Lufkin?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer plans in Lufkin.
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Lufkin Auto Insurance FAQs
What factors affect car insurance quotes in Lufkin?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Lufkin different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Lufkin?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lufkin?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lufkin or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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