Lamar Auto Insurance Rates, Quotes, Agents & Reviews in TX

Lamar, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lamar, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Three Ways to Avail Discounts on Auto Insurance in Lamar, TX

Are you looking for auto insurance in Lamar, TX? You have landed on the right page. Zimlon, through its in-depth research, reveals all the rates applicable as per the factor. The average cost of auto insurance in Lamar, TX, is $2,005. It is relatively high compared to neighboring cities like Fulton, Bayside, Aransas County, and Refugio County. 

Car owners can reduce the cost of car insurance and customize it as per their driving needs. Automobile owners can avail of multiple discounts on their insurance and make it pocket-friendly. 

Here are a few ways to reduce your insurance by taking advantage of these discounts. 

a. Anti-Theft Discounts

Every car owner fears vehicle theft as it is a common problem in the state. In such situations, car insurance is a must. Cars with anti-theft features in their automobile can avail of anti-theft discounts. Insurance companies believe that the chances of vehicle theft will be less with these features. 

Cars with anti-theft features like audible alarms, active disabling devices, and a tracking device can avail a considerable amount of discounts on Lamar insurance. In Lamar, TX, auto owners with active disabling devices and tracking devices pay $1,925 and $1,885 on auto insurance. 

Refer to the chart below to understand the applicable rates as per the anti-theft features in the car.


b. Good Driving Discounts

Car owners willing to avail of this discount must stay off roads more often. Auto insurance providers have a different way to define a safe driver. Car owners with a clean history of three years or more, i.e., no ticket or an accident, can avail of these discounts. Insurance providers offer a good-driver discount ranging from 10%to 40%. Therefore, it is of utmost importance to follow traffic rules and regulations. 

For instance, automobile owners with particular driving violations like driving without headlights or running a speed light tend to pay $88 to $467 extra on their auto insurance, respectively. So, auto owners following all the safety precautions while on the road can save a few dollars here. 

c. Multi-Car Discounts

Auto owners find it hard to wrap their heads around the fact that they can avail themselves of multi-car discounts by insuring their vehicles from one insurance company. The insurer who has more than one vehicle on a policy can get fantastic deals on their car insurance rates. In Lamar, those who have two vehicles will have to spend $3,529 on car insurance, where they can save up to $481. Car owners in Lamar with 3 and 4 cars can save up to $722 and $962 on Lamar insurance by spending $5,293 and $7,058 on car insurance.

Factors that can influence the cost of car insurance in Lamar, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Lamar, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lamar, TX with that of other cities in and around Lamar.

Lamar Fulton Bayside Aransas County Refugio County Rockport
Average Insurance Rates $2,005 $1,992 $1,858 $1,954 $1,854 $1,946

Lamar, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lamar, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lamar $1,181 $998
Holiday Beach $1,218 $1,029
Fulton $1,500 $1,267
Aransas County $1,538 $1,299
Rockport $2,862 $2,418
Bayside $1,295 $1,094
Refugio County $1,269 $1,072
Austwell-Tivoli $2,720 $2,298

Lamar, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lamar, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,506
20 Years $2,576
30 Years $1,984
40 Years $1,909
50 Years $1,768
60 Years $1,793
70 Years $2,087

Lamar, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lamar, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,529 $481
3 Vehicles $5,293 $722
4 Vehicles $7,058 $962

Savings on 2 Vehicles bundle:$481

Savings on 3 Vehicles bundle:$722

Savings on 4 Vehicles bundle:$962

Lamar, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lamar, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Lamar $2,005 $3,121
Holiday Beach $1,841 $2,866
Fulton $1,992 $3,101
Aransas County $1,954 $3,042
Rockport $1,946 $3,029
Bayside $1,858 $2,892
Refugio County $1,854 $2,886
Austwell-Tivoli $1,858 $2,892

Lamar, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,720
Excellent (740-799) $1,964
Good (670-739) $2,089
Average (580-669) $2,726
Poor (300-579) $3,270

Lamar, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Arthur Cantu State Farm 1909 Highway 35 N, Rockport, 78382-3344 361-729-1007
Joshua Crow Allstate 2857 Highway 35 N, Rockport, 78382 (361) 727-9500
Gsm Insurers Allstate 1102 E Laurel St, Rockport, 78382 (361) 729-6722
Cody Edwards Farmers 3606 John Stockbauer Dr, Victoria, 77904 (361) 580-3295
Gsm Insurors Liberty Mutual Independent 1102 E Laurel St, Rockport, 78382 (361) 729-6722
Jim Steelhammer State Farm 5003 H North John Stockbauer, Victoria, 77904 361-578-4045
Jim Steelhammer State Farm 5003 H North John Stockbauer, Victoria, 77904 361-578-4045

Lamar, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$88 $2,093
Driver's Failure In Showing Documents +$194 $2,199
Driving With An Expired Registration +$207 $2,212
Driving At A Considerably Slow Pace +$435 $2,440
Using A Cellphone While Driving +$459 $2,464
Running A Red Light +$467 $2,472
Speeding +$491 $2,496
Driving A Vehicle Without The Required Permission +$624 $2,629
Driving With An Expired/Suspended License +$1,351 $3,356

Lamar, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,925
Active Disabling Device $1,925
Tracking Device $1,885
Passive Disabling Device $1,865