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Get Cheap Car Insurance in Live Oak, TX
We monitor insurance prices, helping the average driver in Live Oak save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Live Oak
The chart below shows the cheapest car insurance company in Live Oak 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.
| Live Oak Insurer | Monthly Cost |
|---|---|
| Clearcover | $46 |
| Mile Auto | $60 |
| Progressive | $61 |
| State Farm | $66 |
Savings for Every Kind of Live Oak Driver
Based on our extensive insurance data, we know the average Live Oak 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 $364 per year by choosing the right vehicle insurance company. Some Live Oak residents are paying out over $1,769 extra every year for auto insurance in Live Oak. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Live Oak, TX Savings / Yr. |
|---|---|
$364 |
|
$833 |
|
$734 |
|
$841 |
|
$1,280 |
|
$483 |
|
$529 |
Live Oak Car Insurance vs. Texas
People living in Live Oak pay an average of 9.49% less than the typical driver in the state. The average driver in Live Oak can expect to pay about $1,054 per year, or $1,769 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Live Oak for most people.
Car Insurance Prices by Live Oak Neighborhood
Insurance Prices
Where is insurance cheapest within Live Oak?
The map shows insurance prices in and around Live Oak, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $201 per year within the city boundaries, with insurance premiums ranging from a high of $1,839 to a low of $1,638. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Live Oak.Pick the Best Car Insurance Company for You in Live Oak
The best car insurance provider for most drivers in Live Oak
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $364 over the average Live Oak car insurance company.
The best car insurance provider for Live Oak 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 $833 over the competition.
The best car insurance company for Live Oak drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $734 better than other car insurance companies.
The best auto insurance for Live Oak drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $841 less each year.
The least expensive car insurance company for new and young drivers in Live Oak
In Live Oak, State Farm costs young drivers $1,280 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Live Oak
State Farm gave the largest car insurance discounts to married couples, averaging $483 saved each year compared to an average Live Oak couple's premiums.
The cheapest car insurance in Live Oak for drivers with bad credit
The best Live Oak car insurance company for customer service
Recent price drops
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The cheapest large national provider in Live Oak
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Live Oak 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 Live Oak, 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 Live Oak
What Influences the Cost of Car Insurance in Live Oak?
On average, car insurance in Live Oak 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 Live Oak is 30 minutes, which is a little 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 Live Oak are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Live Oak is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Live Oak is $88 per month for minimum coverage and $147 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
- Universal City: Insurance costs 0.79% less
- Selma: Insurance costs 2.37% less
- Windcrest: Insurance costs 5.48% more
- Converse: Insurance costs 4.92% more
- Randolph AFB: Insurance costs 9.61% less
- Schertz: Insurance costs 1.53% less
- Garden Ridge: Insurance costs 3.56% less
- Kirby: Insurance costs 8.71% more
- Cibolo: Insurance costs 2.04% less
- Terrell Hills: Insurance costs 1.58% less
Cities with Similar Populations
- Holden: Insurance costs 13.40% less
- Kearney: Insurance costs 0.90% more
- Jessup: Insurance costs 15.32% more
- Islip: Insurance costs 51.78% more
- Huntingtown: Insurance costs 4.97% more
- Hugo: Insurance costs 6.61% less
- Hooksett: Insurance costs 32.11% less
- Holmen: Insurance costs 37.42% less
- Holmdel: Insurance costs 4.18% more
- Holliston: Insurance costs 13.96% less