Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Lamesa, TX
We monitor insurance prices, helping the average driver in Lamesa save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Lamesa
The chart below shows the cheapest car insurance company in Lamesa for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Lamesa Insurer | Monthly Cost |
|---|---|
| Clearcover | $47 |
| Mile Auto | $61 |
| Progressive | $63 |
| State Farm | $67 |
Savings for Every Kind of Lamesa Driver
Based on our extensive insurance data, we know the average Lamesa driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $370 per year by choosing the right vehicle insurance company. Some Lamesa residents are paying out over $1,800 extra every year for auto insurance in Lamesa. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lamesa, TX Savings / Yr. |
|---|---|
$370 |
|
$848 |
|
$747 |
|
$856 |
|
$1,303 |
|
$492 |
|
$538 |
Lamesa Car Insurance vs. Texas
People living in Lamesa pay an average of 7.86% less than the typical driver in the state. The average driver in Lamesa can expect to pay about $1,072 per year, or $1,800 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Lamesa for most people.
Car Insurance Prices by Lamesa Neighborhood
Insurance Prices
Where is insurance cheapest within Lamesa?
The map shows insurance prices in and around Lamesa, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $242 per year within the city boundaries, with insurance premiums ranging from a high of $1,914 to a low of $1,672. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Lamesa.Pick the Best Car Insurance Company for You in Lamesa
The best car insurance provider for most drivers in Lamesa
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $370 over the average Lamesa car insurance company.
The best car insurance provider for Lamesa drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $848 over the competition.
The best car insurance company for Lamesa drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $747 better than other car insurance companies.
The best auto insurance for Lamesa drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $856 less each year.
The least expensive car insurance company for new and young drivers in Lamesa
In Lamesa, State Farm costs young drivers $1,303 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lamesa
State Farm gave the largest car insurance discounts to married couples, averaging $492 saved each year compared to an average Lamesa couple's premiums.
The cheapest car insurance in Lamesa for drivers with bad credit
The best Lamesa car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lamesa, which was better than other insurers.
The cheapest large national provider in Lamesa
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Lamesa driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lamesa, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Lamesa
What Influences the Cost of Car Insurance in Lamesa?
On average, car insurance in Lamesa is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Lamesa is 23 minutes, which is far less than average for a driver in the state.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lamesa are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Lamesa is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lamesa is $89 per month for minimum coverage and $150 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Los Ybanez: Insurance costs 6.89% less
- Punkin Center: Insurance costs 5.67% less
- Mungerville: Insurance costs 4.39% less
- Key: Insurance costs 4.33% less
- Hancock: Insurance costs 4.28% less
- Sand: Insurance costs 5.11% less
- Loop: Insurance costs 6.39% less
- Gail: Insurance costs 7.00% less
- Seagraves: Insurance costs 4.67% less
- Seminole: Insurance costs 3.56% less
Cities with Similar Populations
- Marksville: Insurance costs 72.17% more
- Lusby: Insurance costs 0.56% more
- Lynwood: Insurance costs 1.33% more
- Lyons: Insurance costs 7.33% less
- Macedon: Insurance costs 16.39% more
- Madeira: Insurance costs 38.11% less
- Madera Acres: Insurance costs 11.83% more
- Madison: Insurance costs 36.61% more
- Madison: Insurance costs 3.33% less
- Madison: Insurance costs 32.33% less