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About Us

Low Cost Insurance is a family owned and operated agency with over 10 years of experience and three locations in the central Texas area. Our agency provides home, auto, and specialty insurance coverages. Customer care and satisfaction are a top priority here. Low Cost Insurance prides itself in its loyalty to customers and dedication to providing them with quality insurance plans that best fit their needs. Whatever the situation, Low Cost has you covered. 
Low Cost Insurance has locations in Gonzales, Lockhart, and San Marcos, Texas. We offer great service at a low cost to all customers.

We welcome you to come in to one of our locations and speak with an agent that will assist you today.

An Independent Advantage

We are Independent Agents in Lockhart, Texas, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Low Cost Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price. What is an Independent Insurance Agent? When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice! The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company. With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision. An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible. When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.