Nacogdoches, TX Auto Insurance (2024)
The average Nacogdoches, TX auto insurance rates are $315 per month. The minimum auto insurance in Nacogdoches is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Nacogdoches, Texas, compare quotes from multiple companies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 23, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
UPDATED: Jun 23, 2023
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
On This Page
- The minimum auto insurance required in Nacogdoches, Texas is 30/60/25
- Average auto insurance rates in Nacogdoches, TX for senior drivers are $2,287 per year
- The average commute length in Nacogdoches is 17.4 minutes
Nacogdoches, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Nacogdoches can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Nacogdoches, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Nacogdoches to other Texas cities, including Laredo auto insurance rates, Corpus Christi auto insurance rates, and Arlington auto insurance rates to see how Nacogdoches, Texas auto insurance rates stack up.
Before you buy Nacogdoches, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Nacogdoches, Texas auto insurance quotes.
Minimum Auto Insurance in Nacogdoches, Texas
Nacogdoches, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Nacogdoches, 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 |
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Cheap Nacogdoches, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Nacogdoches, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,474 | $3,498 | $3,428 | $3,428 | $9,297 | $11,203 | $4,295 | $4,464 |
| American Family | $2,439 | $2,714 | $2,294 | $2,625 | $6,499 | $8,500 | $3,505 | $3,993 |
| Geico | $2,267 | $2,442 | $2,198 | $2,481 | $4,883 | $5,080 | $2,442 | $2,434 |
| Nationwide | $2,366 | $2,405 | $2,092 | $2,213 | $6,714 | $8,614 | $2,780 | $3,006 |
| Progressive | $2,418 | $2,284 | $2,159 | $2,196 | $10,264 | $11,451 | $2,854 | $2,882 |
| State Farm | $2,172 | $2,172 | $1,935 | $1,935 | $5,262 | $6,718 | $2,365 | $2,439 |
| USAA | $1,593 | $1,602 | $1,522 | $1,510 | $4,500 | $4,900 | $2,126 | $2,279 |
Cheap Nacogdoches, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Nacogdoches, Texas is a challenge. Take a look at the annual teen auto insurance rates in Nacogdoches, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,297 | $11,203 |
| American Family | $6,499 | $8,500 |
| Geico | $4,883 | $5,080 |
| Nationwide | $6,714 | $8,614 |
| Progressive | $10,264 | $11,451 |
| State Farm | $5,262 | $6,718 |
| USAA | $4,500 | $4,900 |
Cheap Nacogdoches, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Nacogdoches, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,428 | $3,428 |
| American Family | $2,294 | $2,625 |
| Geico | $2,198 | $2,481 |
| Nationwide | $2,092 | $2,213 |
| Progressive | $2,159 | $2,196 |
| State Farm | $1,935 | $1,935 |
| USAA | $1,522 | $1,510 |
Cheap Nacogdoches, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Nacogdoches, Texas compared to the annual auto insurance rates with a clean record in Nacogdoches, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,155 | $6,471 | $6,763 | $4,155 |
| American Family | $3,718 | $4,709 | $4,140 | $3,718 |
| Geico | $2,573 | $3,391 | $2,840 | $3,310 |
| Nationwide | $3,275 | $3,275 | $4,847 | $3,698 |
| Progressive | $3,977 | $5,162 | $4,644 | $4,471 |
| State Farm | $2,771 | $3,186 | $3,772 | $2,771 |
| USAA | $1,865 | $2,755 | $3,255 | $2,141 |
Cheap Nacogdoches, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Nacogdoches, Texas is not easy. Compare the annual rates for DUI auto insurance in Nacogdoches, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,763 |
| American Family | $4,140 |
| Geico | $2,840 |
| Nationwide | $4,847 |
| Progressive | $4,644 |
| State Farm | $3,772 |
| USAA | $3,255 |
Cheap Nacogdoches, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Nacogdoches, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,838 | $5,019 | $4,301 |
| American Family | $5,583 | $3,533 | $3,098 |
| Geico | $4,665 | $2,648 | $1,772 |
| Nationwide | $4,528 | $3,636 | $3,158 |
| Progressive | $5,129 | $4,442 | $4,120 |
| State Farm | $4,427 | $2,754 | $2,193 |
| USAA | $3,677 | $2,125 | $1,710 |
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Cheap Nacogdoches, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Nacogdoches, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Nacogdoches, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 75961 | $5,738 |
| 75962 | $5,698 |
| 75964 | $5,513 |
| 75965 | $5,637 |
Cheap Nacogdoches, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Nacogdoches, Texas auto insurance. Find the cheapest annual Nacogdoches, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,254 | $5,518 |
| American Family | $4,071 | $4,071 |
| Geico | $2,973 | $3,084 |
| Nationwide | $3,774 | $3,774 |
| Progressive | $4,564 | $4,564 |
| State Farm | $3,125 | $3,125 |
| USAA | $2,472 | $2,535 |
Cheap Nacogdoches, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Nacogdoches, Texas? Check out the comparison of annual Nacogdoches, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,262 | $5,340 | $5,557 |
| American Family | $3,777 | $3,918 | $4,519 |
| Geico | $2,867 | $2,988 | $3,230 |
| Nationwide | $4,056 | $3,611 | $3,655 |
| Progressive | $4,313 | $4,540 | $4,838 |
| State Farm | $2,961 | $3,114 | $3,299 |
| USAA | $2,419 | $2,493 | $2,599 |
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Best By Category: Cheapest Auto Insurance in Nacogdoches, Texas
Compare the cheapest auto insurance companies in Nacogdoches, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Nacogdoches, Texas Auto Insurance Companies
What auto insurance companies in Nacogdoches, Texas are the cheapest? Compare the top Nacogdoches, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,386 |
| American Family | $4,071 |
| Geico | $3,028 |
| Nationwide | $3,774 |
| Progressive | $4,564 |
| State Farm | $3,125 |
| USAA | $2,504 |
What affects auto insurance rates in Nacogdoches, Texas?
There are a lot of reasons why auto insurance rates in Nacogdoches, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Nacogdoches, Texas. Many local factors may affect your Nacogdoches auto insurance rates.
Nacogdoches Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Nacogdoches, Texas auto theft statistics, there have been 31 auto thefts in the city.
Nacogdoches Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Nacogdoches, Texas commute length is 17.4 minutes according to City-Data.
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Compare Nacogdoches, Texas Auto Insurance Quotes
Before you buy Nacogdoches, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Nacogdoches, Texas auto insurance quotes.
Frequently Asked Questions
What should I do if I’m involved in an auto accident in Nacogdoches, Texas?
Prioritize safety, gather information from involved parties, document the scene, notify the police if needed, and report the incident to your insurance provider.
Can I suspend auto insurance coverage if not using my vehicle in Nacogdoches, Texas?
Some insurers allow coverage suspension or reduction during non-use periods. Contact your insurer for details.
Does auto insurance cover rental cars in Nacogdoches, Texas?
Coverage varies. Some policies include rental cars, while others require additional coverage.
What’s the difference between collision coverage and comprehensive coverage?
Collision covers vehicle damages from collisions, while comprehensive covers non-collision incidents like theft or fire.
Can I use personal auto insurance for business purposes in Nacogdoches, Texas?
Generally, personal insurance doesn’t cover business use. You may need commercial auto insurance.
Does Nacogdoches, Texas require uninsured/underinsured motorist coverage?
Yes, it’s required to protect against drivers without insurance or insufficient coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.