Cheapest Car Insurance Quotes in Lake Jackson

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Lake Jackson Car Insurance

^$ 42

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lake Jackson

The car insurance rate in Lake Jackson is $1083 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $645, making it a popular choice for budget-conscious drivers. Rates in Lake Jackson can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lake Jackson

$1083

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Lake Jackson

1st place: Texas Farm Bureau

At $645 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $766 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $790 for six months, making it the third cheapest auto insurance company in Lake Jackson.

Lake Jackson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Jackson, TX is Texas Farm Bureau, offering policies at just $645 for a six-month term. This is followed by Mercury, which has an average six-month premium of $766.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1037 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Jackson drivers find the best deals.

Cheap Car Insurance Companies in Lake Jackson, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$645	$109
Mercury	$766	$130
State Farm	$790	$133
AAA Texas	$801	$136
USAA	$882	$148
Redpoint Insurance	$945	$161
Progressive	$1089	$183
Southern County Mutual	$1250	$212
Allstate	$1487	$250
Farmers	$2379	$404
Redpoint County Mutual	$927	$158
Geico County Mutual	$1037	$177

Key Takeaways

Way's key takeaways about car insurance in Lake Jackson

The auto insurance costs in Lake Jackson fall around $645 for six months.
The cheapest auto insurance company in Lake Jackson is Texas Farm Bureau.
Teen drivers pay the highest rate in Lake Jackson at $71 per month.

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Cheapest Minimum Liability Car Insurance in Lake Jackson

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lake Jackson are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Lake Jackson. Their Average 6 Month Premium is $247. Geico County Mutual is the most expensive at $323 for the same period.

Cheapest Liability Coverage in Lake Jackson, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$247	$42
USAA	$276	$47
Progressive	$288	$49
State Farm	$294	$49
Redpoint Insurance	$323	$53
Mercury	$374	$63
AAA Texas	$415	$69
Allstate	$570	$96
Farmers	$939	$156
Redpoint County Mutual	$311	$51
Geico County Mutual	$323	$55

Cheapest Full Coverage Car Insurance in Lake Jackson

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lake Jackson is Texas Farm Bureau at $109 per month and $645 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Jackson, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$645	$109
Mercury	$766	$130
State Farm	$790	$133
AAA Texas	$801	$136
USAA	$882	$148
Redpoint Insurance	$945	$161
Progressive	$1089	$183
Southern County Mutual	$1250	$212
Allstate	$1487	$250
Farmers	$2379	$404
Redpoint County Mutual	$927	$158
Geico County Mutual	$1037	$177

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Average Car Insurance in Lake Jackson by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lake Jackson, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Jackson, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lake Jackson's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake Jackson

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$678
40s	Nationwide	$673
50s	Texas Farm Bureau	$600
60s	Texas Farm Bureau	$555
70s	Texas Farm Bureau	$596

Cheapest Car Insurance Rates for Teen Drivers in Lake Jackson,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Lake Jackson at $54 per month. At $427 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$329	$54
Southern County Mutual	$427	$73
Mercury	$461	$77
AAA Texas	$525	$89
Texas Farm Bureau	$1147	$193
USAA	$1250	$210
State Farm	$1297	$218
Allstate	$3255	$548
Progressive	$5554	$935
Farmers	$7767	$1320
Redpoint County Mutual	$317	$54
Geico County Mutual	$427	$71

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Lake Jackson.

As young drivers face the highest rates in Lake Jackson, Texas Farm Bureau offers the cheapest auto insurance rates at $678 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lake Jackson, Mercury is the cheapest car insurance provider. At $501 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lake Jackson is State Farm, offering rates of around $4350 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$501	$85
Foremost	$599	$100
AAA Texas	$639	$109
Dairyland	$743	$124
Allstate	$974	$166
USAA	$997	$166
Texas Farm Bureau	$1123	$191
Progressive	$1556	$262
Farmers	$3941	$670
State Farm	$4350	$725

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Car Insurance Rates with An Accident in Lake Jackson

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lake Jackson, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Jackson

The cheapest car insurance companies after an at-fault accident in Lake Jackson include Redpoint Insurance and Southern County Mutual, offering $329 and $398, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $398.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$329	$54
Southern County Mutual	$398	$68
State Farm	$611	$103
AAA Texas	$617	$105
Mercury	$749	$125
USAA	$916	$154
Texas Farm Bureau	$1014	$171
Progressive	$1884	$317
Allstate	$2120	$357
Farmers	$6540	$1112
Redpoint County Mutual	$317	$52
Geico County Mutual	$398	$68

Lake Jackson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Jackson TX. For example, the car insurance in Lake Jackson after a DUI increases to $760 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Lake Jackson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1245	$208
One Med/PIP claim	$1256	$213
One comp claim	$1319	$220
Not-at-fault accident	$1331	$226
Two Med/PIP claims	$1337	$223
Failure to show documents	$1383	$235
Driving with expired registration	$1394	$233
Two comp claims	$1406	$239
Cell phone violation	$1417	$237
Driving without lights	$1417	$241
Texting while driving	$1417	$237
Driving too slowly	$1423	$242
Speeding 11 - 15 MPH over limit	$1423	$238
Speeding 16 - 20 MPH over limit	$1423	$242
Speeding 6 - 10 MPH over limit	$1423	$238
Speeding in school zone	$1423	$242
Child safety restraint	$1429	$239
Failure to wear a seat belt	$1429	$243
In 65 MPH zone	$1435	$240
Failure to stop at a red light	$1440	$245
Failure to yield	$1440	$241
Following too closely	$1440	$245
Illegal turn	$1440	$241
Improper passing	$1440	$245
Speeding 21 - 25 MPH over limit	$1440	$241
Passing school bus	$1446	$246
Wrong way/wrong lane	$1446	$241
Operating a vehicle without permission	$1452	$247
At-fault accident - less than $1000	$1509	$251
Open container	$1699	$289
Driving with a suspended license	$1763	$294
Racing	$1867	$317
Reckless driving	$1867	$311
Leaving scene of an accident/hit and run	$1913	$325
At-fault accident - $1000-$2000	$1919	$320
Refusal to submit to a chemical test	$1976	$336
DUI	$2005	$335
At-fault accident - greater than $2000	$2086	$355

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lake Jackson after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lake Jackson.

The cheapest car insurance premiums in Lake Jackson are offered by Mercury at $496 for a six-month policy. However, it can be as expensive as $3002 with companies like Farmers.

Lake Jackson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$496	$82
Foremost	$559	$95
Dairyland	$611	$102
AAA Texas	$645	$110
State Farm	$807	$136
Texas Farm Bureau	$956	$163
Progressive	$1210	$204
USAA	$1239	$209
Allstate	$1579	$266
Nationwide	$1631	$277
Farmers	$3002	$501

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lake Jackson are offered by State Farm at $449. However, it can be as expensive as $3267 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Jackson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$449	$76
Texas Farm Bureau	$496	$84
Mercury	$513	$85
AAA Texas	$547	$93
USAA	$721	$120
Allstate	$974	$166
Progressive	$1677	$279
Farmers	$3267	$556

Car Insurance Price Trends in Lake Jackson, Texas

Car insurance rates in Lake Jackson have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lake Jackson remained steady at $201 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Jackson remained steady at $62 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lake Jackson?

The car insurance in Lake Jackson is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Jackson?

The cheapest car insurance in Lake Jackson is $109 per month for full coverage.

How much is car insurance in Lake Jackson for teenagers?

Car insurance for teenagers costs $329 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lake Jackson?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $183 per month to insure your car in Lake Jackson.

Is car insurance expensive in Lake Jackson?

Car insurance can be expensive in Lake Jackson if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lake Jackson can be affordable.

Cheapest Car Insurance Quotes in Lake Jackson

Why you can trust Way?

How Much Is Car Insurance in Lake Jackson

Avg. Car Insurance in Lake Jackson

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Lake Jackson

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Lake Jackson Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Jackson, TX

Way's key takeaways about car insurance in Lake Jackson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Jackson

Cheapest Liability Coverage in Lake Jackson, TX

Cheapest Full Coverage Car Insurance in Lake Jackson

Cheapest Full Coverage Car Insurance Quotes in Lake Jackson, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Jackson by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lake Jackson, TX increasing?

Car Insurance Premiums by Age in Lake Jackson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Jackson,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Lake Jackson.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lake Jackson

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Jackson

Lake Jackson Car Insurance Rates by Violation

Lake Jackson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Jackson after a DUI

Lake Jackson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Jackson after Speeding ticket

Car Insurance Price Trends in Lake Jackson, Texas

Average Car Insurance Cost in Lake Jackson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Jackson, TX

Car Insurance Rates by State in the USA (2025 Update)

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