Cheap Car Insurance in Nacogdoches, Texas (With 2022 Rates)

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Lowest Premium

$361 / YEAR

Average Premium

$564 / YEAR

Highest Premium

$831 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Nacogdoches is around $564 and can go upto $831. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Nacogdoches by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Nacogdoches. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium

Insurance Agents in Nacogdoches, TX and Near by

  • 0 mi
    Todd Lykke
    1329 N University Dr Ste D4, Nacogdoches, TX 75961
    (936) 560-9393
  • 0 mi
    TWFG Insurance Services - Manuel Castro
    1329 N University Dr Ste D4, Nacogdoches, TX 75961
    (936) 205-9130
  • 0 mi
    Goosehead Insurance - Glenda Higginbotham
    1329 N University Dr Ste E6, Nacogdoches, TX 75961
    (936) 305-5157
  • 0 mi
    Grace Handler
    803 North St, Nacogdoches, TX 75961
    (936) 564-0284
  • 0 mi
    CBTX Insurance Services
    215 E Main St, Nacogdoches, TX 75961
    (936) 715-4165
  • 0 mi
    CBH Insurance Agency
    108 E Hospital St, Nacogdoches, TX 75961
    (936) 564-1735
  • 0 mi
    Premier Group Insurance - Kyle Brasher
    212 South St, Nacogdoches, TX 75961
    (936) 615-4409
  • 0 mi
    Ethel Handler
    418 E Main St Ste 103, Nacogdoches, TX 75961
    (936) 569-7822
  • 0 mi
    Bailey McLain
    406 E Hospital St, Nacogdoches, TX 75961
    (936) 569-6200
  • 0 mi
    Nikki Evans Wallace
    332 N University Dr, Nacogdoches, TX 75961
    (936) 560-4600
  • 0 mi
    Chris Clark
    818 N University Dr Ste 201, Nacogdoches, TX 75961
    (936) 560-4551
  • 13.38 mi
    Scott Bird
    4909 North St Ste 209, Nacogdoches, TX 75965
    (936) 564-4200
  • 13.38 mi
    James Rice
    4635 NE Stallings Dr Ste 103, Nacogdoches, TX 75965
    (936) 564-1696
  • 13.38 mi
    Pat Pace Insurance Agency
    3801 North St Ste 18, Nacogdoches, TX 75965
    (936) 569-7223
  • 13.38 mi
    Michele Muse Allen
    3500 North St Ste 5, Nacogdoches, TX 75965
    (936) 560-2462
  • 13.38 mi
    Timothy Denny
    3510 North St Ste 3, Nacogdoches, TX 75965
    (936) 569-1751
  • 13.38 mi
    Michele Allen
    2805 North St Ste A, Nacogdoches, TX 75965
    (936) 564-4813
  • 13.38 mi
    Kerry Vaught
    2710 North St, Nacogdoches, TX 75965
    (936) 569-6156
  • 13.38 mi
    Mike Center Insurance Agency
    2424 N Pecan St Ste 102, Nacogdoches, TX 75965
    (936) 564-0524
  • 13.38 mi
    Jamie Rodrigues
    104 W College St, Nacogdoches, TX 75965
    (936) 564-7000
  • 13.38 mi
    BancorpSouth Insurance Services
    3310 N University Dr, Nacogdoches, TX 75965
    (936) 564-0221
  • 13.38 mi
    Roy Blake Insurance Agency
    3532 NE Stallings Dr, Nacogdoches, TX 75965
    (936) 564-0433
  • 15.01 mi
    Texas Farm Bureau Insurance
    2302 NW Stallings Dr, Nacogdoches, TX 75964
    (936) 564-7374
  • 15.01 mi
    Maria Veliz
    2416 South St, Nacogdoches, TX 75964
    (936) 205-5991
View all agents ↓

Learn More About Car Insurance in Nacogdoches, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.


The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.