Car Insurance in Lewisville, Texas
Estimated full coverage in Lewisville runs about $2,030 a year ($169/month) — ▲ +7% versus the Texas average, ranking 21st most expensive of the 57 Texas cities we cover.
Why car insurance in Lewisville costs more than the Texas average
Insurers price by territory, and Lewisville's numbers explain most of the gap. With 135,983 residents on 40.7 square miles, the city's density (3,345 people per square mile) is 5.0 times the density where the typical Texas resident lives (670). The average commute is 24.6 minutes (Texas: 26.7), and 70% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision.
| Factor | Lewisville | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 3,345 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.6 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 69.5% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 19.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 89.3 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Lewisville
Rates can change from one ZIP code to the next. Across 4 Lewisville ZIP codes, our full-coverage estimate ranges from $1,945 in 75057 to $2,055 in 75077. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75056 | 69,628 | 2,947 | 26.7 min | 3.1% | $2,050 | +1% |
| 75067 | 66,913 | 4,960 | 23.4 min | 5.8% | $2,050 | +1% |
| 75077 | 42,950 | 3,047 | 26.8 min | 3.2% | $2,055 | +1% |
| 75057 | 17,958 | 1,348 | 25.1 min | 2.9% | $1,945 | −4% |
Minimum car insurance in Lewisville
Lewisville drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Lewisville at $740 a year, and $1,035 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Lewisville premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Denton County as very high for hail, relatively high for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
4.9% of Lewisville commuters spend an hour or more getting to work, and there are 1.78 vehicles per household. 19.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.8 | Comprehensive; dwelling | |
| Hurricane | 58.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 92.7 | Comprehensive; dwelling | |
| Winter weather | 86.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Lewisville by driver profile
A clean-record driver in their 50s pays the least in our Lewisville model (about $1,865 for full coverage); an 18-year-old on their own policy pays about $5,580, and a DUI pushes a 30-something to $3,755.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,040 | $2,840 | $5,580 | $465 |
| Young adult (22) | $1,185 | $1,655 | $3,245 | $270 |
| Adult in their 30s | $740 | $1,035 | $2,030 | $169 |
| Adult in their 50s | $680 | $950 | $1,865 | $155 |
| Senior (72) | $830 | $1,155 | $2,270 | $189 |
| 30s, one at-fault accident | $1,075 | $1,500 | $2,940 | $245 |
| 30s, DUI on record | $1,370 | $1,910 | $3,755 | $313 |
Minimum vs. standard vs. full coverage in Lewisville
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $740 | $62 | $610–$875 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,035 | $86 | $845–$1,220 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,030 | $169 | $1,665–$2,395 |
Estimate your premium in Lewisville
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Lewisville: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Lewisville's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $145 | You're among the 19.3% of Lewisville workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $545 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $995 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $445 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Lewisville
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 42 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Lewisville, our estimates differ by up to $110 a year between neighborhoods.
Car insurance agents near Lewisville, TX
We found 42 insurance offices within about 5 miles of central Lewisville, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Sam Awesome - Farmers Insurance
251 S Mill St, #170, Lewisville, TX 75057 -
Berenice Mendez - State Farm
145 W Walters St, Lewisville, TX 75057 -
Chris Verdaguer - Allstate
190 W Main St, Ste 102, Lewisville, TX 75057 -
La Familia Auto Insurance
TX -
Jazette Janica Carnes - Farmers Insurance
915 N Mill St, Lewisville, TX 75057 -
Texas Farm Bureau Insurance
118 North Edna Avenue, #400, , TX -
A-La Auto Insurance
383 Huffines Plaza, #275E, Lewisville, TX 75057 -
Fred Loya Insurance
TX -
Freeway Insurance
383 Huffines St, Lewisville, TX 75057 -
Jared Sumner - Allstate
1165 S Stemmons Fwy, Ste 108, Lewisville, TX 75067 -
A Max
1302 South Business 121, #C, , TX -
Brijesh Jeshan Anthonypillai - Farmers Insurance
1165 S Stemmons Fwy, Lewisville, TX 75067 -
Shwe Sang - Farmers Insurance
1352 S State Highway 121, Lewisville, TX 75067 -
Fiesta Auto Insurance
TX -
Joe Irick - State Farm
724 W Main, Suite 366, Lewisville, TX 75067 -
Matheus Antonio Claro De Oliveira - Farmers Insurance
614 S Edmonds Ln, Lewisville, TX 75067 -
A-Max Auto Insurance
TX -
State Farm
TX -
Acer Auto Insurance
TX -
Castaño Insurance Agency
TX -
Rick Ali - Allstate
860 Hebron Pkwy, Ste 702, Lewisville, TX 75057 -
AAA Insurance
TX -
Farmers Insurance
TX -
Curtis L Haines - Farmers Insurance
1720 S Edmonds Ln, Lewisville, TX 75067 -
Karim Merchant - Farmers Insurance
4100 Fairway Dr, Carrollton, TX 75010 -
Ben Norton - State Farm
2300 Rockbrook Drive, Suite 110-A, Lewisville, TX 75067 -
Moon Lee Barnes - State Farm
4116 State Highway 121, Suite 140, Carrollton, TX 75010 -
Kristin Gaca - Farmers Insurance
2368 S Uecker Ln, Lewisville, TX 75067 -
Allstate
TX -
World Finance Group
2600 - BLD 1 MacArthur Boulevard, #103, , TX -
Alexander James St Cyr - Farmers Insurance
1301 Fm 407, Lewisville, TX 75077 -
Jinhur Insurance
TX -
Chase Carrillo - State Farm
1511 Justin Road, Suite 113A, Lewisville, TX 75077 -
Kevin Eugene Foster - Farmers Insurance
2785 Rockbrook Dr, Lewisville, TX 75067 -
David Daniel - State Farm
1025 W Hebron Pkwy, Suite 132, Carrollton, TX 75010 -
Tim Eugene Wall - Farmers Insurance
405 St Hwy 121 Byp, Ste A250 Pmb 1662, Lewisville, TX 75067 -
Cammie F Winover - Farmers Insurance
3700 Standridge Dr, The Colony, TX 75056 -
Alfonso Feliciano - Allstate
3700 Standridge Dr, Ste 206, The Colony, TX 75056 -
Allstate
400 Flower Mound Road, #130, Flower Mound, TX -
Imran Haider - Farmers Insurance
600 Parker Sq, Flower Mound, TX 75028
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Lewisville
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,525 | −25% |
| Subaru Outback | Wagon | $1,530 | −25% |
| Tesla Model 3 | Midsize car | $2,110 | +4% |
| Subaru Forester | Small SUV | $1,495 | −26% |
| Honda Civic | Compact car | $2,290 | +13% |
| Toyota Corolla | Compact car | $2,145 | +6% |
| Jeep Wrangler | Midsize SUV | $1,660 | −18% |
| Mazda CX-5 | Small SUV | $1,700 | −16% |
| MINI Cooper | Subcompact car | $1,530 | −25% |
| Tesla Model Y | Midsize SUV | $1,900 | −6% |
Car insurance in nearby Texas cities
- Carrollton $2,030/yr · 6 mi
- Frisco $2,105/yr · 11 mi
- Southlake $1,955/yr · 12 mi
- Plano $2,065/yr · 13 mi
- Irving $2,040/yr · 13 mi
- Denton $1,940/yr · 15 mi
- Richardson $2,040/yr · 16 mi
- Allen $2,120/yr · 18 mi
- McKinney $2,085/yr · 21 mi
- Dallas $2,070/yr · 21 mi
- Garland $2,160/yr · 22 mi
- Grand Prairie $2,080/yr · 25 mi
All Texas cities and state rules · Homeowners insurance in Lewisville
Frequently asked questions
How much is car insurance in Lewisville, TX?
We estimate full coverage in Lewisville at about $2,030 a year ($169 a month) for a driver in their 30s with a clean record, and about $740 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Lewisville more expensive than the Texas average?
Our Lewisville estimate is 7% higher than the statewide figure. The model reflects a population density of 3,345 people per square mile (the typical Texas resident lives at about 670) and an average commute of 24.6 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Lewisville?
Drivers in Lewisville follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Lewisville has the cheapest car insurance?
Among Lewisville's 4 ZIP codes, 75057 has the lowest estimate (about $1,945 a year for full coverage) and 75077 the highest (about $2,055), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Lewisville?
An 18-year-old with their own full-coverage policy would pay around $5,580 a year in Lewisville by our estimate ($2,040 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Lewisville?
Yes. FEMA's National Risk Index rates Denton County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Lewisville?
We list 42 insurance offices in and around Lewisville, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Lewisville and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places