Things would sure be easy if we could just tell you the single best company that is cheapest in Texas. That is not the case, however, as there are a whole bunch of unknown elements such as the deductible level you need, your credit score, if you own your own home, and if you are a man or woman, that all go into determining the rate you pay. We will attempt to cover the best ways to avoid high prices and will give you a good start in finding the cheapest car insurance in Texas.
For felons, one of the largest factors that are used to help calculate the amount you pay each year for auto insurance is the neighborhood you call home in Lubbock. Regions with larger populations or more claims tend to have higher rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The information below rates the highest-priced places in Texas for felons to purchase auto insurance in. Lubbock is ranked #13 with a yearly premium of $1,716 for the average policy, which is approximately $143 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Dallas | $1,893 |
| 4 | Houston | $1,891 |
| 5 | Laredo | $1,889 |
| 6 | Garland | $1,850 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Beaumont | $1,772 |
| 10 | Grand Prairie | $1,757 |
| 11 | Mesquite | $1,753 |
| 12 | Irving | $1,736 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,688 |
| 15 | Austin | $1,676 |
| 16 | Arlington | $1,658 |
| 17 | Fort Worth | $1,653 |
| 18 | Corpus Christi | $1,620 |
| 19 | Carrollton | $1,615 |
| 20 | McKinney | $1,577 |
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Price information shown is approximated as the specific garaging location can influence auto insurance rates noticeably.
Deciphering which company has the cheapest auto insurance rates for felons will take a tad more effort in order to find a policy that fits your budget. Every auto insurer uses a slightly different approach to determine premium rates, so let’s rank the most budget-friendly auto insurance companies in Lubbock, TX.
We do need to point out that Texas auto insurance rates are influenced by many factors which can substantially decrease or increase the price of coverage. Simply turning a year older, getting divorced, or getting a few speeding tickets can trigger price changes resulting in some companies being much cheaper than others.
Find the Best Cheap Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,565 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,155 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
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Travelers quotes some of the cheapest car insurance rates in Lubbock at around $1,021 annually. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Lubbock, TX insurance companies.
In the above example, if you currently have a policy with Germania Mutual and switched to USAA, you might achieve an annual premium reduction of around $166. Insureds with Esurance might save as much as $251 a year, and California Casualty policyholders might reduce rates by $310 a year.
Bear in mind that those rates are averaged for all insureds and vehicles and and are not calculated with a specific zip code for felons. So the insurer that fits your needs best may not even be in the top 23 companies shown above. That points out the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
The car, truck, or SUV to be insured is a large consideration in finding the cheapest auto insurance for felons. Vehicles with limited top-end speed, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models. The table below estimates insurance premiums for a handful of the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,047 |
| Hyundai Elantra SE Touring Station Wagon | $1,099 |
| Honda Accord LX 4-Dr Sedan | $1,108 |
| Toyota Prius | $1,121 |
| Ford Escape XLS 4WD | $1,139 |
| Honda CR-V EX 4WD | $1,169 |
| Chevrolet Impala LS | $1,176 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,198 |
| Chevrolet Malibu Hybrid | $1,203 |
| Ford Explorer Limited 2WD | $1,221 |
| Dodge Grand Caravan Crew | $1,231 |
| Ford Edge SE 2WD | $1,255 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,262 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in your specific Lubbock, TX location which can affect insurance rates significantly.
Based upon the rates shown, you can presume that vehicles like the Jeep Wrangler, Hyundai Elantra, and Honda Accord are most likely going to be the most economical vehicles to insure for felons.
Buying coverage from a highly-rated insurance provider can be difficult considering how many choices there are in Texas. The ranking data shown below could help you choose which auto insurance companies to look at when comparing rate quotes. These rankings include major nationwide insurance companies, so companies that only write business in Texas or surrounding areas are not taken into consideration for this list.
Top 10 Major Auto Insurance Companies in Lubbock Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Companies in Lubbock Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
The illustration below shows how different deductible levels can influence insurance premiums when getting quotes for cheap insurance for felons. The rate quotes are based on a single female driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 40-year-old driver could lower rates by $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could potentially save $766 or more by using higher deductibles when buying full coverage. If you do raise deductibles, it is essential to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Why are you paying too much for Lubbock car insurance?
Texas auto insurance rates are impacted by many factors which can substantially change the cost of having a policy. Turning one year older, increasing liability limits, or getting a DUI can trigger rate changes that may make certain companies cheaper in comparison to the competition.
Not only may your risk profile change, but auto insurance companies change their prices as often as every quarter to help ensure profitability. An extended period of higher than normal claims may result in higher prices, while better underwriting may cause cheaper Lubbock car insurance rates.
For instance, the graph below shows a variety of companies that have the cheapest car insurance in Lubbock, TX for a 45-year-old male driver with no accidents, a clean driving record, and good financial standing. If we estimate rates based on his current risk factors, Travelers has the most affordable car insurance rates in Lubbock at $1,156 a year. This is $748 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the best Lubbock, TX auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a chargeable accident, a lower credit score, and a traffic citation. Due to the fact that every insurance company uses their own calculation for determining rates, analyzing rate quotes may result in a different ranking of the cheapest companies as shown below.
State Farm now has the lowest price on auto insurance in Lubbock with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This illustrates why it is crucial to compare as many rates as possible to get the cheapest insurance rates for felons. Rates are made up of many different factors and can change without notice, so the most economical option three years ago may now be costing you a lot of money.
How to find cheaper car insurance for felons
The list below details some of the better money-saving suggestions that can help Texas drivers locate cheap coverage.
- Raise deductibles to save money
- Do not get tickets or violations
- Vehicles with good safety ratings have lower liability rates
- Avoid having at-fault accidents
- Drop full coverage on older vehicles
- Increase your credit rating
- Comparison shop at least once a year
The last suggestion is notably important, as was discussed in the prior article. Prices charged by auto insurers in Lubbock change frequently, so don’t be unwilling to switch companies if you can save money. Having a favorite company is fine, but we do not recommend it if your bullheadedness ends up costing you lots of hard earned cash every month. It only take a few minutes to shop around to find cheaper auto insurance for felons.