Table of contents
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.
Compared to the rest of the country, auto insurance in Lufkin is more affordable. On average, it's about $17 less to insure your vehicle in Lufkin than it is in the rest of the United States.
These rates may be the average amount Lufkin drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage 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're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $60 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates climb back up in Lufkin.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Lufkin, male drivers pay about $9 more per month. As illustrated in the table above, male drivers in the area pay about $68 on average, while female drivers pay around $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Lufkin with a single accident on their record is about $61 a month. Similarly, drivers with one ticket will typically pay around $127 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$63|
The most affordable vehicles to insure in Lufkin are usually SUVs, which run about $55 per month.
Car owners, on the other hand, by and large pay around $63 a month, while truck and van drivers can expect to pay about $74 per month to insure their car.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Lufkin, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Lufkin can be as much as $18 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$116|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Lufkin, expect to pay around $2 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Lufkin, TX
Recent trends in car insurance for Lufkin drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of car insurance in Lufkin have been mixed as of late, it rose in 2016, dropped in 2018, and increased again in 2020, before finishing at $61 in 2021.
How does Lufkin compare to neighboring areas?
Why are car insurance rates in Lufkin different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Road Safety (frequency of local car accidents)
- Prevalence of crime
- Local laws
- Number of drivers
- Off-street parking accessibility
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Lufkin?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Lufkin.
Lufkin Insurance FAQs
What factors affect car insurance quotes in Lufkin?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Lufkin different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Lufkin?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Lufkin?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lufkin or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?