{"id":49264,"date":"2024-04-30T13:40:08","date_gmt":"2024-04-30T20:40:08","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=49264"},"modified":"2024-07-01T10:02:26","modified_gmt":"2024-07-01T17:02:26","slug":"lufkin-tx","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/texas\/lufkin-tx\/","title":{"rendered":"Lufkin Car Insurance"},"content":{"rendered":"
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Everything You Need to Know About Auto Insurance in Texas<\/h2>\n
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Lufkin, a hub for the timber industry, is known for its rich cultural heritage and beautiful parks. It’s home to the Ellen Trout Zoo, the Texas Forestry Museum, and the Naranjo Museum of Natural History, showcasing the area’s diverse history and natural beauty. Additionally, Lufkin serves as a gateway to outdoor recreational activities in the nearby Angelina National Forest.<\/p>\n

The city also has a mix of urban and rural areas, and drivers encounter diverse road conditions. In metropolitan sections of the city, such as along Loop 287 or Highway 69, traffic congestion during peak hours can be common, which requires motorists to stay alert and vigilant. On the other hand, rural roads like FM 2021 or FM 324 provide scenic drives but may lack proper lighting and have narrower lanes, which can increase the risk of accidents, especially at night. Moreover, Lufkin’s proximity to forests and parks means you may encounter wildlife crossing roads, necessitating heightened caution.<\/p>\n

Given these factors and the unpredictable nature of driving anywhere you go, auto insurance in Texas<\/a> is both a legal necessity and a personal step you\u2019ll want to take while enjoying all Lufkin has to offer.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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How Much Does Car Insurance Cost in Lufkin, Texas?<\/h2>\n
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People in Lufkin pay around $648 per year for state minimum required liability insurance<\/a>, $83 more than the mean payment in Texas of $565. This yearly total is also $96 less than the national mean of $744.<\/p>\n

Full coverage auto insurance<\/a> in Lufkin is about $1,884 per year, $135 less than Texas\u2019s average of $2,019 and $660 less than the nation\u2019s at $2,544.<\/p>\n

What Does it Mean if Texas Is an At-Fault State?<\/h3>\n

In an at-fault state, you are financially responsible for all the losses if you cause an accident. You\u2019ll have to pay for the medical bills of any individuals who were injured, the funeral expenses of anyone who died, and any associated property damage.<\/p>\n

Residents of Texas must have auto insurance<\/a> that meets local mandates. These laws were established to ensure the costs of potential damages are taken care of in the event of an accident. Additionally, the Lone Star State practices comparative fault, which means that if more than one party is found responsible for a crash, each person may be held liable for a portion of the resulting losses, based on their degree of fault.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Affordable Car Insurance Rates Comparison by Cities in Texas<\/h2>\n
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This table below details how much people in Lufkin pay compared to people living in other Texas locations.<\/p>\n <\/div>\n

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City<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Lufkin<\/b><\/td>\n $157<\/b><\/td>\n $54<\/b><\/td>\n <\/tr>\n
Deer Park<\/td>\n $166<\/td>\n $63<\/td>\n <\/tr>\n
Georgetown<\/td>\n $146<\/td>\n $53<\/td>\n <\/tr>\n
Wichita Falls<\/td>\n $139<\/td>\n $45<\/td>\n <\/tr>\n
Frisco<\/td>\n $154<\/td>\n $58<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Affordable Lufkin Car Insurance Rates by Zip Code<\/h3>\n

Your address influences how much you pay for your premiums, as well as the population of your location. If you live in a big city with lots of people who drive, accidents are likely to be more frequent, and so your rates are likely to be higher than in a smaller or mid-size city with fewer cars and trucks on the road.<\/p>\n <\/div>\n

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Zip Code<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
75901<\/td>\n $155<\/td>\n $54<\/td>\n <\/tr>\n
75902<\/td>\n $155<\/td>\n $54<\/td>\n <\/tr>\n
75903<\/td>\n $155<\/td>\n $54<\/td>\n <\/tr>\n
75904<\/td>\n $158<\/td>\n $55<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n
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Low-Cost Car Insurance Rates by Age in Lufkin<\/h3>\n

Car insurance for young people<\/a> tends to be pricier because as a collective group they typically have a higher number of claims. As you age and engage in safe, defensive driving, your insurance rates generally decrease. Practicing careful driving habits can lead to lower insurance costs over time.<\/p>\n

This chart lists the typical monthly payments in Lufkin based on driver age.<\/p>\n <\/div>\n

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Age<\/th>\n Full Coverage Insurance<\/th>\n Liability Insurance Coverage<\/th>\n <\/tr>\n
Teenagers<\/td>\n $514<\/td>\n $192<\/td>\n <\/tr>\n
20s<\/td>\n $224<\/td>\n $77<\/td>\n <\/tr>\n
30s<\/td>\n $149<\/td>\n $52<\/td>\n <\/tr>\n
40s<\/td>\n $144<\/td>\n $52<\/td>\n <\/tr>\n
50s<\/td>\n $133<\/td>\n $49<\/td>\n <\/tr>\n
60s<\/td>\n $142<\/td>\n $55<\/td>\n <\/tr>\n
70s<\/td>\n $152<\/td>\n $61<\/td>\n <\/tr>\n <\/table>\n <\/div>\n <\/div>\n <\/div>\n
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We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100\/300\/100.<\/em><\/p>\n<\/p>\n\n <\/div>\n <\/div>\n<\/section>\n\n

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Driving Conditions in Lufkin<\/h2>\n

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How Many Fatal Accidents Happen in Lufkin?<\/h3>\n

Every year, the National Highway Traffic Safety Administration releases data about car crash fatalities in Lufkin. During the years 2011 through 2021, the NHTSA reported an average of five to six fatalities per year. According to these statistics, some years only had two or three fatalities, and others had between six and eleven.<\/p>\n

How Are the Road Infrastructure and Bridges in Lufkin?<\/h3>\n

The local government in Lufkin works with public funds to preserve street safety. The American Society of Civil Engineers reported that although tube transit infrastructure in Texas provides safe and effective service (and is a trend that is expected to continue), the system competes with individually owned vehicles and users\u2019 preference to drive themselves.<\/p>\n

Conversely, public support for transit has contributed to growing networks of interconnected urban centers in DFW, Houston, San Antonio, and other areas. These expansions are driven by significant funding, and the services and expansions Texans desire will continue to require increased investment in transit infrastructure. Given the imperfections of the system, The ASCE gave Texas a \u201cC\u201d in 2021.<\/p>\n <\/div>\n \n \n \n \n <\/div>\n <\/div>\n<\/section>\n\n

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Minimum Car Insurance Requirements in Lufkin<\/h2>\n

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There are mandates in Texas that require minimum liability insurance across the state, including in Lufkin. Texas residents must have minimum liability coverage with:<\/p>\n <\/div>\n \n

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