Cheapest Car Insurance Quotes in Lone Oak

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Lone Oak Car Insurance

^$ 40

/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 Lone Oak

The car insurance rate in Lone Oak is $984 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $625, making it a popular choice for budget-conscious drivers. Rates in Lone Oak 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 Lone Oak

$984

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Lone Oak

1st place: Texas Farm Bureau

At $625 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 $743 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 $765 for six months, making it the third cheapest auto insurance company in Lone Oak.

Lone Oak Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lone Oak, TX is Texas Farm Bureau, offering policies at just $625 for a six-month term. This is followed by Mercury, which has an average six-month premium of $743.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lone Oak drivers find the best deals.

Cheap Car Insurance Companies in Lone Oak, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$625	$105
Mercury	$743	$126
State Farm	$765	$129
AAA Texas	$776	$132
USAA	$854	$144
Redpoint Insurance	$916	$156
Progressive	$1056	$178
Southern County Mutual	$1212	$206
Allstate	$1441	$243
Farmers	$2306	$392
Redpoint County Mutual	$899	$153
Geico County Mutual	$1005	$171
Germania	$402	$67
AAA	$703	$118
National General	$1067	$178

Key Takeaways

Way's key takeaways about car insurance in Lone Oak

The auto insurance costs in Lone Oak fall around $625 for six months.
The cheapest auto insurance company in Lone Oak is Texas Farm Bureau.
Teen drivers pay the highest rate in Lone Oak at $69 per month.

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Cheapest Minimum Liability Car Insurance in Lone Oak

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 Lone Oak are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Lone Oak. Their Average 6 Month Premium is $240. Germania is the most expensive at $402 for the same period.

Cheapest Liability Coverage in Lone Oak, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$240	$40
USAA	$268	$45
Progressive	$279	$47
State Farm	$285	$48
Redpoint Insurance	$313	$52
Mercury	$363	$61
AAA Texas	$402	$67
Allstate	$553	$93
Farmers	$910	$151
Redpoint County Mutual	$302	$50
Geico County Mutual	$313	$54
National General	$346	$57
Germania	$402	$69

Cheapest Full Coverage Car Insurance in Lone Oak

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 Lone Oak is Texas Farm Bureau at $105 per month and $625 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lone Oak, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$625	$105
Mercury	$743	$126
State Farm	$765	$129
AAA Texas	$776	$132
USAA	$854	$144
Redpoint Insurance	$916	$156
Progressive	$1056	$178
Southern County Mutual	$1212	$206
Allstate	$1441	$243
Farmers	$2306	$392
Redpoint County Mutual	$899	$153
Geico County Mutual	$1005	$171
Germania	$402	$67
AAA	$703	$118
National General	$1067	$178

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Average Car Insurance in Lone Oak 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 Lone Oak, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Lone Oak, 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, Lone Oak's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lone Oak

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	$657
40s	Nationwide	$652
50s	Texas Farm Bureau	$582
60s	Texas Farm Bureau	$538
70s	Texas Farm Bureau	$577

Cheapest Car Insurance Rates for Teen Drivers in Lone Oak,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Lone Oak at $53 per month. At $414 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	$319	$53
Southern County Mutual	$414	$71
Mercury	$447	$74
AAA Texas	$509	$86
Texas Farm Bureau	$1111	$187
USAA	$1212	$204
State Farm	$1257	$212
Allstate	$3155	$531
Progressive	$5382	$906
Farmers	$7527	$1279
Redpoint County Mutual	$307	$53
Geico County Mutual	$414	$69

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 Lone Oak.

As young drivers face the highest rates in Lone Oak, Texas Farm Bureau offers the cheapest auto insurance rates at $657 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 Lone Oak, Mercury is the cheapest car insurance provider. At $486 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 Lone Oak is State Farm, offering rates of around $4216 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$486	$83
Foremost	$581	$97
AAA Texas	$619	$105
Dairyland	$720	$120
Allstate	$944	$161
USAA	$966	$161
Texas Farm Bureau	$1089	$185
Progressive	$1508	$254
Farmers	$3819	$650
State Farm	$4216	$702

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Car Insurance Rates with An Accident in Lone Oak

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 Lone Oak, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lone Oak

The cheapest car insurance companies after an at-fault accident in Lone Oak include Redpoint Insurance and Southern County Mutual, offering $319 and $385, respectively. National General is an expensive provider with an average six-month premium of $541.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$319	$53
Southern County Mutual	$385	$66
State Farm	$592	$100
AAA Texas	$598	$102
Mercury	$726	$121
USAA	$887	$149
Texas Farm Bureau	$982	$165
Progressive	$1825	$307
Allstate	$2055	$346
Farmers	$6337	$1077
Redpoint County Mutual	$307	$51
Geico County Mutual	$385	$66
National General	$541	$92

Lone Oak Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lone Oak TX. For example, the car insurance in Lone Oak after a DUI increases to $737 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Lone Oak auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1206	$201
One Med/PIP claim	$1217	$207
One comp claim	$1278	$213
Not-at-fault accident	$1290	$219
Two Med/PIP claims	$1295	$216
Failure to show documents	$1340	$227
Driving with expired registration	$1351	$226
Two comp claims	$1362	$231
Cell phone violation	$1373	$229
Driving without lights	$1373	$233
Texting while driving	$1373	$229
Driving too slowly	$1379	$234
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Speeding 6 - 10 MPH over limit	$1379	$230
Speeding in school zone	$1379	$234
Child safety restraint	$1385	$231
Failure to wear a seat belt	$1385	$235
In 65 MPH zone	$1390	$232
Failure to stop at a red light	$1396	$238
Failure to yield	$1396	$233
Following too closely	$1396	$238
Illegal turn	$1396	$233
Improper passing	$1396	$238
Speeding 21 - 25 MPH over limit	$1396	$233
Passing school bus	$1402	$239
Wrong way/wrong lane	$1402	$233
Operating a vehicle without permission	$1407	$240
At-fault accident - less than $1000	$1463	$243
Open container	$1647	$280
Driving with a suspended license	$1709	$285
Racing	$1810	$307
Reckless driving	$1810	$302
Leaving scene of an accident/hit and run	$1854	$315
At-fault accident - $1000-$2000	$1859	$310
Refusal to submit to a chemical test	$1915	$325
DUI	$1943	$324
At-fault accident - greater than $2000	$2021	$344

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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 Lone Oak 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 Lone Oak.

The cheapest car insurance premiums in Lone Oak are offered by Mercury at $480 for a six-month policy. However, it can be as expensive as $2909 with companies like Farmers.

Lone Oak car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$480	$80
Foremost	$541	$92
Dairyland	$592	$99
AAA Texas	$625	$106
State Farm	$782	$132
Texas Farm Bureau	$927	$158
Progressive	$1172	$197
USAA	$1200	$202
Allstate	$1530	$258
Nationwide	$1580	$269
Farmers	$2909	$485

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 Lone Oak are offered by State Farm at $435. However, it can be as expensive as $3166 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lone Oak after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$435	$73
Texas Farm Bureau	$480	$82
Mercury	$497	$83
AAA Texas	$530	$90
USAA	$698	$117
Allstate	$944	$161
Progressive	$1625	$271
Farmers	$3166	$539

Car Insurance Price Trends in Lone Oak, Texas

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

The average cost of full coverage in the Lone Oak remained steady at $195 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lone Oak rose to $60 in December, compared to $58 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lone Oak?

The car insurance in Lone Oak is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Lone Oak?

The cheapest car insurance in Lone Oak is $105 per month for full coverage.

How much is car insurance in Lone Oak for teenagers?

Car insurance for teenagers costs $319 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 Lone Oak?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $166 per month to insure your car in Lone Oak.

Is car insurance expensive in Lone Oak?

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

Cheapest Car Insurance Quotes in Lone Oak

Why you can trust Way?

How Much Is Car Insurance in Lone Oak

Avg. Car Insurance in Lone Oak

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Lone Oak

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Lone Oak Car Insurance Rates by Company

Cheap Car Insurance Companies in Lone Oak, TX

Way's key takeaways about car insurance in Lone Oak

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lone Oak

Cheapest Liability Coverage in Lone Oak, TX

Cheapest Full Coverage Car Insurance in Lone Oak

Cheapest Full Coverage Car Insurance Quotes in Lone Oak, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lone Oak by Rating Factor

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

Car Insurance Premiums by Age in Lone Oak

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lone Oak,TX

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

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 Lone Oak

Cheapest Car Insurance Companies after an At-Fault Accident in Lone Oak

Lone Oak Car Insurance Rates by Violation

Lone Oak auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lone Oak after a DUI

Lone Oak car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lone Oak after Speeding ticket

Car Insurance Price Trends in Lone Oak, Texas

Average Car Insurance Cost in Lone Oak by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lone Oak, TX

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

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