bestauto insuranceLewisvilleCompare the Cheapest Car Insurance Quotes in Lewisville, TX
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Ensure you're getting the best rate. Review quotes from a top insurance company.
The cheapest car insurance in Lewisville is offered by Farmers. The best option for your needs will depend on your coverage level and driver profile.
Farmers offers the least expensive option for a state minimum coverage, and State Farm is your best bet if you have a speeding ticket on your record.
If you are an active or retired military member or a part of a military family, USAA might be the best option for you.
MoneyGeek found that the best car insurance in Lewisville balancing cost and customer service is State Farm.
bestauto insuranceLewisvilleThe Cheapest and Best Car Insurance in Lewisville
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
The Cheapest Car Insurance Companies in Lewisville
The car insurance companies in Lewisville offering the best full coverage rates are :
- Farmers: $781 per year
- State Farm: $824 per year
USAA is the second-cheapest at $808, but it’s only available for military personnel and their families.
Farmers is approximately 212% cheaper than the city’s most expensive insurer, The General. A full coverage policy includes comprehensive and collision coverage, though your rates may vary depending on the coverage levels you select.
Cheapest Car Insurance in Lewisville
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$781
- 2.$808
- 3.$824
- 4.$888
- 5.$1,029
In accordance with our methodology, MoneyGeek gathered average rates for our sample 40-year old male driver in Lewisville with a full coverage policy. A full coverage policy is costlier than liability or state minimum insurance, but it provides a higher level of protection against car damage due to an accident.
A full coverage policy includes:
- Collision insurance: protects you from the cost of repairing or replacing your car if it’s damaged in a collision
- Comprehensive insurance: comes in handy in the event of non-collision damage to your car, such as hail, theft or vandalism
If you have an older model car, a full coverage policy might cost more than your car is worth to insure. In this case, you might consider getting liability-only insurance or even a state minimum policy.
Compare Car Insurance Rates in Lewisville
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Lewisville for Minimum Coverage
State minimum insurance is the least expensive car insurance in Lewisville. The cheapest car insurance companies in Lewisville for state minimum policies are:
- Farmers: $416 per year
- State Farm: $453 per year
If you have a military background or are a member of a military family, USAA may be the cheapest option at about $391.
The most expensive insurer in Lewisville is The General, at around $1,127 per year, more expensive than Farmers by $711.
Although it’s the cheapest option upfront, minimum coverage doesn't include comprehensive and collision. It also has low levels of liability coverage, so it doesn’t provide you as much protection as a full coverage policy.
Look at the table below to determine how adjusting liability levels can affect your rates.
Cheapest Minimum Liability Car Insurance in Lewisville
State Minimum
- CompanyState Minimumper year
- 1.$391
- 2.$416
- 3.$453
- 4.$505
- 5.$550
Buying the minimum car insurance in Texas is your most budget-friendly option, but it may not be the best option for you.
Minimum insurance in Texas is 30/60/25 plus personal injury protection. It offers the lowest level of protection in the state, only including minimum bodily injury and property damage liability insurance.
It may help you reduce your monthly bill, but it may trouble you with a heavy financial burden after an accident. For instance, if you are in a collision and you have to pay $65,000 for medical expenses, your policy will only cover $30,000 per person (up to $60,000 total if more than one person is involved). This means you could be responsible for paying the difference of $35,000 out of pocket.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Lewisville if You Have Driving Violations
Your driving record is a key factor affecting your car insurance premiums. Having violations like speeding tickets, at-fault accidents or DUIs on your driving record can cause your rates to increase.
The following companies offer the cheapest rates for particular violations in Lewisville:
- Cheapest after a ticket: State Farm, $824 per year
- Cheapest after an at-fault accident: State Farm, $1,000 per year
- Cheapest after a DUI: Esurance, $1,029 per year
Drivers with a violation can improve their records over time to qualify for cheaper deals, but in the meantime, it helps to shop around and compare quotes from various insurers to find the best cheap car insurance in Lewisville.
Cheapest Car Insurance in Lewisville With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$824
- 2.$906
- 3.$1,018
- 4.$1,029
- 5.$1,039
Average Cost of Car Insurance in Lewisville
Lewisville$1,212
Texas$1,316
U.S.$1,424
The average car insurance rate in Lewisville is $1,212 per year, which is nearly 8% cheaper than the state minimum and just under 15% cheaper than the national average cost of car insurance.
Personalized Quotes to Get You the Cheapest Car Insurance in Lewisville
Car insurance quotes in Lewisville are determined by several factors. These include your age, gender, the make and model of your car, desired coverage level and your ZIP code. Comparing quotes from several insurers in Lewisville will let you see which provider has the most affordable policy for you.
Compare Car Insurance Rates in Lewisville
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Lewisville
MoneyGeek ranked the best auto insurance companies in Lewisville based on average rates, claims ratings and customer satisfaction scores. We found that the following companies offer the best car insurance in the city:
- State Farm: MoneyGeek score of 95 out of 100
- Farmers: MoneyGeek score of 91 out of 100
USAA was excluded from our rankings, as its policies are only offered to military members and their families. The insurer, however, earned a MoneyGeek score of 94 out of 100, making it the best car insurance company in Lewisville, Texas, for current and former military members and their families.
1
State Farm
Score:95
State Farm received high scores for all criteria but excelled most in financial stability and affordability. For an average of $824 per year, State Farm policyholders in Lewisville can add one rare coverage, rideshare insurance, and two common coverages to their standard auto insurance policies.
More About State Farm
Rideshare insurance, a rare add-on coverage offered by State Farm, ensures that all the coverage in your personal auto insurance policy remains in effect while working for a ridesharing company.
The insurer also offers two common add-on coverages: roadside assistance, rental car reimbursement and travel reimbursement. If you encounter problems while traveling, roadside assistance can help. This coverage pays for mechanical labor, tows, delivery of gas or oil, installation of batteries or tires and locksmith labor. Rental car and travel reimbursement pays for car rental expenses up to your chosen limits as well as travel expenses like meals, lodging and public transportation up to $500.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:91
Farmers received high scores for financial stability, claims and customer satisfaction, but it is most noteworthy for its excellent affordability score. On average, a 40-year-old driver in Lewisville will pay $781 per year for a full coverage policy. Several unique add-on coverages, such as original equipment manufacturer (OEM), custom parts and glass deductible modification coverage, are offered by this insurer.
More About Farmers
This insurance company allows its customers to add OEM, custom parts coverage and glass modification coverage to their policies. If your vehicle is less than 10 years old, OEM coverage will pay to repair your vehicle with factory-original parts. Custom parts coverage, in conjunction with comprehensive and collision coverage, protects your aftermarket equipment upgrades. Glass deductible modification coverage reduces the comprehensive deductible to $100, if your loss is restricted to glass.
Read MoneyGeek's Farmers auto Insurance Review3
GEICO
Score:87
4
AAA
Score:77
5
Allstate
Score:71
6
Nationwide
Score:71
7
Esurance
Score:59
8
Mercury
Score:56
9
MetLife
Score:38
10
The General
Score:0.4
Average Cost of Car Insurance by Postal Code
Your ZIP code is among the factors affecting Lewisville insurance costs. You can pay higher premiums if you’re living in a neighborhood with a high number of car theft incidents, accidents and uninsured motorists.
In Lewisville, if your ZIP code in the city is 75077, you can expect to pay around $1,177 per year, which is $70 cheaper than those whose zip code is 75067. Take a look at our guide on car insurance in Texas to help you understand car insurance rates by postal code in the state.
- Zip CodeState Minimumper year
- 75077$1,177
- 75067$1,247
Factors That Impact Insurance Costs in Lewisville
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Lewisville. How Lewisville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
