What Are The Liability Insurance Requirements For Lufkin, Texas?

Liability insurance requirements do vary by state, so its important to understand what your state requires. The state minimum liability limits for Texas are 30/60/25. From here certain cities in each State can raise or lower the insurance rates, such as higher congested areas. Lufkin is not highly congested and the rates are as amazing as Texas Toast!

State	Minimum Coverage Requirements	Average Cost for Minimum Liability Coverage
Texas	30/60/25	$578

Lufkin Insurance Average Full Coverage and Liability Rates

Of course, liability and full coverage rates are going to vary. Even if you just require liability for your vehicle, it can’t hurt to compare your options for full coverage on your vehicle.

Lufkin is a great community! There are a lot of good restaurant options and grocery stores. There are also a lot of fun things that go on such as carnivals and festivals. The atmosphere is very friendly and it is a good location for families. Get Fully covered and enjoy Lufkin!

Liability Insurance Rates in Lufkin	Liability State Average
$695.26	$510.15

Full Coverage Insurance in Lufkin	Full Coverage TX average
$1,273.71	$934.59

Lufkin Insurance Average SR22 Rates Per Company

An SR22 filing may be required by your state for a violation for either no insurance, or possibly a DUI. An SR22 may be required for a minimum of 3 years.

SR-22 is not the cause of higher rates, it is the violation itself. For example too many moving violations within a short amount of time can cause a sharp increase in rates. But the SR-22 is simply $25 filing once a policy period.

Below is amount the amounts company adds to the premium to file the SR22 with the state.

Company	Average (SR22 Fee)
Assurance America	$25
Bristol West	$35
Dairyland	Free
Gains Co	$25
Mendota	$25
Progressive	5% (Average)
State Farm	SR22 Not Available
The General	$25
Travelers	SR22 Not Available

Lufkin Insurance Most Affordable Liability Insurance Rates

Its important to shop around for the best deal you can find for liability insurance. In Lufkin, Texas, Dairyland proves to have the cheapest rates available. If you are just trying to get the most basic insurance to get you on the road and covered, as for liability only at the State Minimum.

Rank	Company	Average Price
1	Dairyland (Viking)	$94.00
2	Progressive	$95.00
3	Travelers	$102.00
4	Bristol West	$103.00
5	The General	$105.00
6	Mendota	$128.00
7	Liberty Mutual	$139.00

Add-ons like rental, towing, and Med pay like can be added later through endorsement. Just give us a ring and we can get some rates for you!

Lufkin Insurance Cheapest Full Coverage Rates

Full coverage rates can be expensive! Shopping around for multiple quotes for the cheapest policy can save you money. Consider a higher deductible for a lower insurance premium. Going Full Coverage will certainly be cheaper than paying for the repairs on a vehicle you are still paying for. Now that is expensive.

Rank	Company	Average Price
1	Progressive	$127.00
2	The General	$140.00
3	Mendota	$163.00
4	Bristol West	$164.00
5	Travelers	$170.00
6	Liberty Mutual	$205.00
7	Dairyland (Viking)	$215.00

Lufkin Insurance Price Comparison – Male vs Female

In states where it is still legal to use gender as a factor, young male drivers often pay more for car insurance than their female counterparts. This discrepancy is typically due to statistical data showing that young male drivers are more likely to be involved in accidents, receive speeding tickets, and engage in risky driving behaviors. However, this difference in rates tends to decrease as drivers get older and gain more experience, especially if they maintain clean driving records.

For a specific location like Lufkin, Texas, if gender is still a factor legally allowed to influence rates:

• Young Male Drivers: They may find their insurance premiums to be higher than those of females of the same age, particularly in the under-25 age group.
• Mature Drivers: The difference in rates between genders decreases for drivers who are older and have more driving experience, particularly if they have clean driving records.

It’s essential to note that insurance rates are personalized. They depend on a multitude of factors including but not limited to one’s driving history, the make and model of the vehicle, credit history, marital status, exact location, and the chosen coverage limits and deductibles.

Age is a significant factor in determining auto insurance premiums, primarily because it is closely associated with driving experience and risk. Insurance companies use statistical analysis to assess the likelihood of drivers filing claims, and age groups that historically show higher risks of accidents tend to have higher insurance rates. Here’s a breakdown of how age impacts auto insurance costs across different life stages:

Young Drivers (Teens to Early 20s)

• Highest Premiums: Drivers under 25, especially teenagers, often face the highest insurance rates. This age group is statistically more likely to be involved in accidents due to inexperience and riskier driving behaviors.
• Gradual Decrease: Premiums typically decrease gradually as drivers gain more experience and reach their mid-20s, assuming they maintain a clean driving record.

Adult Drivers (Mid-20s to 50s)

• Decreasing Rates: As drivers gain experience and mature, their rates generally decrease. By the time drivers reach their mid-20s, if they have a good driving record, they start seeing lower premiums.
• Stable Rates: Rates tend to stabilize and can be relatively low for drivers in their late 20s through their 50s, again assuming a good driving history and no other risk factors that insurers consider.

Senior Drivers (65 and Older)

• Increasing Rates: While drivers in their early 60s might still enjoy relatively low rates, premiums tend to increase as drivers enter their late 60s and beyond. This increase is due to the higher accident rates and increased vulnerability to injuries among older drivers.
• Risk Assessment: Some insurers may reassess a senior driver’s risk profile more frequently, which can involve scrutinizing their driving record, health status, and even requiring tests or proof of recent driving courses.

Factors That Can Mitigate Age-Related Increases

• Defensive Driving Courses: Many insurance companies offer discounts to drivers who complete approved defensive driving courses.
• Good Driving Record: Regardless of age, maintaining a clean driving record is one of the best ways to keep insurance rates low.
• Vehicle Choice: Driving safer, less expensive vehicles can help lower premiums at any age.
• Discounts: Look for age-specific discounts, such as those for good students or retirees.
• Shopping Around: As circumstances change, it’s beneficial to compare insurance options periodically to find the best rates and coverage.

Age	Male	Female
16-18	$ 231.84	$ 184.09
19-24	$ 193.20	$ 161.00
25-30	$ 139.84	$ 124.84
31-40	$ 110.40	$ 106.08
41-50	$ 109.48	$ 98.44
50-65	$ 99.36	$ 101.48
65+	$ 106.08	$ 114.08

Lufkin Insurance Sample Rates

Additional Helpful Links

Additional Texas Insurance
Car Insurance in Euless
Best Auto Insurance in Spring
Car Insurance in Grapevine
Cheapest Car Insurance in Farmers Branch
Cheapest Auto Insurance in La Porte
Cheapest Auto Insurance in Mission Bend
Car Insurance in Duncanville

Lufkin Insurance

Learn about Lufkin Insurance and get the coverage you need. We provide various insurance types to meet your needs in Lufkin, Texas.

• Auto Insurance
• Home Insurance
• Motorcycle Insurance
• Boat Insurance
• Renters Insurance
• Business Insurance

For more information or a free quote, call us at 1.888.445.2793.

Last Updated on March 13, 2024 by Marlon Moss