Cheapest Car Insurance Quotes in Lozano

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Lozano Car Insurance

^$ 50

/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 Lozano

The car insurance rate in Lozano is $1225 for a six-month policy, which is $178 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $778, making it a popular choice for budget-conscious drivers. Rates in Lozano 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 Lozano

$1225

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Lozano

1st place: Texas Farm Bureau

At $778 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 $924 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 $952 for six months, making it the third cheapest auto insurance company in Lozano.

Lozano Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lozano, TX is Texas Farm Bureau, offering policies at just $778 for a six-month term. This is followed by Mercury, which has an average six-month premium of $924.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1328 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lozano drivers find the best deals.

Cheap Car Insurance Companies in Lozano, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$778	$131
Mercury	$924	$157
State Farm	$952	$160
AAA Texas	$966	$164
USAA	$1064	$179
Redpoint Insurance	$1140	$194
Progressive	$1314	$221
Southern County Mutual	$1508	$256
Allstate	$1794	$302
Farmers	$2870	$488
Redpoint County Mutual	$1119	$191
Geico County Mutual	$1251	$213
Germania	$501	$83
AAA	$875	$146
National General	$1328	$221

Key Takeaways

Way's key takeaways about car insurance in Lozano

The auto insurance costs in Lozano fall around $778 for six months.
The cheapest auto insurance company in Lozano is Texas Farm Bureau.
Teen drivers pay the highest rate in Lozano at $85 per month.

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Cheapest Minimum Liability Car Insurance in Lozano

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 Lozano are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Lozano. Their Average 6 Month Premium is $298. Germania is the most expensive at $501 for the same period.

Cheapest Liability Coverage in Lozano, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$298	$50
USAA	$333	$56
Progressive	$347	$59
State Farm	$355	$60
Redpoint Insurance	$390	$64
Mercury	$452	$76
AAA Texas	$501	$83
Allstate	$688	$116
Farmers	$1133	$188
Redpoint County Mutual	$376	$62
Geico County Mutual	$390	$67
National General	$431	$71
Germania	$501	$85

Cheapest Full Coverage Car Insurance in Lozano

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 Lozano is Texas Farm Bureau at $131 per month and $778 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lozano, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$778	$131
Mercury	$924	$157
State Farm	$952	$160
AAA Texas	$966	$164
USAA	$1064	$179
Redpoint Insurance	$1140	$194
Progressive	$1314	$221
Southern County Mutual	$1508	$256
Allstate	$1794	$302
Farmers	$2870	$488
Redpoint County Mutual	$1119	$191
Geico County Mutual	$1251	$213
Germania	$501	$83
AAA	$875	$146
National General	$1328	$221

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Average Car Insurance in Lozano 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 Lozano, TX increasing?

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

Car Insurance Premiums by Age in Lozano

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	$818
40s	Nationwide	$812
50s	Texas Farm Bureau	$724
60s	Texas Farm Bureau	$669
70s	Texas Farm Bureau	$718

Cheapest Car Insurance Rates for Teen Drivers in Lozano,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Lozano at $66 per month. At $515 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	$397	$66
Southern County Mutual	$515	$88
Mercury	$556	$92
AAA Texas	$633	$108
Texas Farm Bureau	$1383	$233
USAA	$1508	$254
State Farm	$1564	$263
Allstate	$3927	$661
Progressive	$6699	$1128
Farmers	$9368	$1592
Redpoint County Mutual	$383	$66
Geico County Mutual	$515	$85

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 Lozano.

As young drivers face the highest rates in Lozano, Texas Farm Bureau offers the cheapest auto insurance rates at $818 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 Lozano, Mercury is the cheapest car insurance provider. At $605 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 Lozano is State Farm, offering rates of around $5247 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$605	$103
Foremost	$723	$121
AAA Texas	$771	$131
Dairyland	$896	$150
Allstate	$1175	$200
USAA	$1203	$200
Texas Farm Bureau	$1355	$230
Progressive	$1877	$316
Farmers	$4754	$808
State Farm	$5247	$874

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Save up to $971/yr on car insurance rates in Lozano.

Car Insurance Rates with An Accident in Lozano

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lozano

The cheapest car insurance companies after an at-fault accident in Lozano include Redpoint Insurance and Southern County Mutual, offering $397 and $480, respectively. National General is an expensive provider with an average six-month premium of $674.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$397	$66
Southern County Mutual	$480	$82
State Farm	$737	$124
AAA Texas	$744	$126
Mercury	$903	$151
USAA	$1104	$186
Texas Farm Bureau	$1223	$206
Progressive	$2272	$383
Allstate	$2558	$431
Farmers	$7888	$1341
Redpoint County Mutual	$383	$63
Geico County Mutual	$480	$82
National General	$674	$115

Lozano Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lozano TX. For example, the car insurance in Lozano after a DUI increases to $917 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Lozano auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1501	$250
One Med/PIP claim	$1515	$257
One comp claim	$1591	$266
Not-at-fault accident	$1605	$273
Two Med/PIP claims	$1612	$269
Failure to show documents	$1668	$283
Driving with expired registration	$1681	$281
Two comp claims	$1695	$288
Cell phone violation	$1709	$285
Driving without lights	$1709	$290
Texting while driving	$1709	$285
Driving too slowly	$1716	$291
Speeding 11 - 15 MPH over limit	$1716	$287
Speeding 16 - 20 MPH over limit	$1716	$291
Speeding 6 - 10 MPH over limit	$1716	$287
Speeding in school zone	$1716	$291
Child safety restraint	$1723	$288
Failure to wear a seat belt	$1723	$293
In 65 MPH zone	$1730	$289
Failure to stop at a red light	$1737	$296
Failure to yield	$1737	$290
Following too closely	$1737	$296
Illegal turn	$1737	$290
Improper passing	$1737	$296
Speeding 21 - 25 MPH over limit	$1737	$290
Passing school bus	$1744	$297
Wrong way/wrong lane	$1744	$290
Operating a vehicle without permission	$1751	$298
At-fault accident - less than $1000	$1821	$303
Open container	$2050	$349
Driving with a suspended license	$2127	$355
Racing	$2252	$383
Reckless driving	$2252	$376
Leaving scene of an accident/hit and run	$2307	$392
At-fault accident - $1000-$2000	$2314	$386
Refusal to submit to a chemical test	$2383	$405
DUI	$2418	$404
At-fault accident - greater than $2000	$2516	$428

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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 Lozano 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 Lozano.

The cheapest car insurance premiums in Lozano are offered by Mercury at $598 for a six-month policy. However, it can be as expensive as $3621 with companies like Farmers.

Lozano car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$598	$99
Foremost	$674	$115
Dairyland	$737	$123
AAA Texas	$778	$132
State Farm	$973	$164
Texas Farm Bureau	$1154	$197
Progressive	$1459	$246
USAA	$1494	$252
Allstate	$1905	$321
Nationwide	$1967	$335
Farmers	$3621	$604

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 Lozano are offered by State Farm at $542. However, it can be as expensive as $3941 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lozano after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$542	$91
Texas Farm Bureau	$598	$102
Mercury	$619	$103
AAA Texas	$660	$112
USAA	$869	$145
Allstate	$1175	$200
Progressive	$2023	$337
Farmers	$3941	$670

Car Insurance Price Trends in Lozano, Texas

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

The average cost of full coverage in the Lozano remained steady at $242 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lozano rose to $75 in December, compared to $73 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 Lozano?

The car insurance in Lozano is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Lozano?

The cheapest car insurance in Lozano is $131 per month for full coverage.

How much is car insurance in Lozano for teenagers?

Car insurance for teenagers costs $397 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 Lozano?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $207 per month to insure your car in Lozano.

Is car insurance expensive in Lozano?

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

Cheapest Car Insurance Quotes in Lozano

Why you can trust Way?

How Much Is Car Insurance in Lozano

Avg. Car Insurance in Lozano

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Lozano

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Lozano Car Insurance Rates by Company

Cheap Car Insurance Companies in Lozano, TX

Way's key takeaways about car insurance in Lozano

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lozano

Cheapest Liability Coverage in Lozano, TX

Cheapest Full Coverage Car Insurance in Lozano

Cheapest Full Coverage Car Insurance Quotes in Lozano, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lozano by Rating Factor

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

Car Insurance Premiums by Age in Lozano

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lozano,TX

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

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 Lozano

Cheapest Car Insurance Companies after an At-Fault Accident in Lozano

Lozano Car Insurance Rates by Violation

Lozano auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lozano after a DUI

Lozano car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lozano after Speeding ticket

Car Insurance Price Trends in Lozano, Texas

Average Car Insurance Cost in Lozano by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lozano, TX

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

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