Wouldn’t it be perfect if you could just magically know the one perfect company that has the cheapest insurance after a speeding ticket? Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns like the annual mileage you drive, the amount of liability coverage you want, and your credit history, that all have an effect on the price of a policy. We are going to cover some of these criteria and should give you a good start to your coverage search.
The vehicle model requiring insurance is a significant factor when comparing quotes for the best coverage after a speeding ticket. Vehicles with lots of horsepower, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than more economical and safe models.
The next list ranks auto insurance costs for the most economical vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,658 |
| Ford Edge SE 2WD | $1,665 |
| Toyota Tacoma 4WD | $1,700 |
| Honda CR-V EX-L 4WD | $1,707 |
| Dodge Grand Caravan SE | $1,700 |
| Ford Explorer Eddie Bauer 2WD | $1,709 |
| Ford F-150 STX Regular Cab 2WD | $1,777 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,787 |
| Toyota RAV4 4WD | $1,801 |
| Jeep Grand Cherokee Laredo 2WD | $1,808 |
| Toyota Prius | $1,805 |
| Toyota Camry SE | $1,901 |
| Honda Odyssey Touring | $1,933 |
| Chevrolet Malibu LTZ | $1,938 |
| Chevrolet Impala LTZ | $2,031 |
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Prices above based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in your specific Lubbock, TX location which can revise insurance rates significantly.
Based upon the table data, we can tell that cars like the Ford Escape, Ford Edge, Toyota Tacoma, Honda CR-V, and Dodge Grand Caravan are most likely to be the cheaper vehicles to insure after a few driving violations.
Buying budget insurance is not easy, and finding out which company has the cheapest car insurance rates after a speeding ticket will take even more shopping around. Each insurer has a proprietary formula to determine rates, so we’ll take a look at the car insurance companies that tend to be cheaper in Lubbock.
It’s important that you understand Lubbock, TX car insurance rates are impacted by many factors which can substantially decrease or increase the policy premium. This price variation is why drivers need to do a thorough rate comparison when trying to get the best car insurance quotes after a speeding ticket. Rates are determined by many different factors and change substantially, so the best price the last time you compared rates may now be costing you a lot of money.
Find Cheaper Auto Insurance with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,715 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,324 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,568 |
| Find Your Rate Go | ||
Travelers offers some of the most affordable car insurance rates in Lubbock at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the more affordable Lubbock, TX insurance companies.
As shown in the table above, if you are insured with California Casualty and switched to USAA, you might achieve an annual savings of upwards of $268. Customers with Esurance could save as much as $279 a year, and State Farm insureds might reduce rates by $337 a year.
To find cheaper insurance rates for your vehicle, click here or quote prices from the following companies.
It’s important to note that these rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location after a speeding ticket. So the auto insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
The information below demonstrates how choosing different deductibles can impact insurance costs when searching for cheap insurance after a speeding ticket. The rate quotes are based on a married female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $260 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $394 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save up to $646 annually by choosing a higher deductible. If you do decide to increase your deductibles, it is necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Choosing the best company can be difficult considering how many different companies sell coverage in Texas. The company ratings shown next may help you pick which car insurance companies to look at comparing prices from.
These ratings only include the largest companies in the United States, so companies with more of a regional focus are not factored into the list. If you would like to check rates from these top insurers and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find cheaper auto insurance after a speeding ticket
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving solutions that can help you quote cheaper car insurance.
- Do not get tickets or violations
- Do not waste money insuring older vehicles for full coverage
- Frequent claims may make car insurance unaffordable
- At-fault accidents can raise rates significantly
- Raise deductibles
- Shop around once a year for cheaper rates
The last tip is certainly important, as we emphasized in this piece. Coverage rates can be modified anytime, so don’t be afraid to buy from a different company if a lower price can be found. We understand brand loyalty, but it isn’t a good idea if that devotion results in you overpaying a wad of cash every year. In just a couple of minutes you could compare prices to find cheaper insurance after a speeding ticket in Lubbock.