For teen drivers, one of the more important things that determine the price you pay for insurance is where you normally keep your vehicle in Lubbock. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.
The next table sorts the highest-priced areas in Texas for 17 year olds to buy car insurance in. Lubbock comes in at #13 having an annual price of $1,716 for coverage, which is around $143 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Houston | $1,909 |
| 3 | Laredo | $1,907 |
| 4 | Dallas | $1,893 |
| 5 | Brownsville | $1,851 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Amarillo | $1,804 |
| 9 | Beaumont | $1,772 |
| 10 | Pasadena | $1,758 |
| 11 | Grand Prairie | $1,757 |
| 12 | Irving | $1,719 |
| 13 | Lubbock | $1,716 |
| 14 | San Antonio | $1,688 |
| 15 | Arlington | $1,658 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | El Paso | $1,632 |
| 19 | Austin | $1,627 |
| 20 | Plano | $1,624 |
| 21 | McKinney | $1,577 |
| 22 | Corpus Christi | $1,572 |
| 23 | Waco | $1,537 |
| 24 | Abilene | $1,499 |
| 25 | Killeen | $1,473 |
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Table data uses comparative as the specific garaging location can raise or lower premiums substantially.
Deciding which company has the cheapest insurance rates for 17 year olds requires a bit more work in order to find a policy that fits your budget. Each insurer has a proprietary formula for establishing rates, so let’s examine the insurance companies that tend to have lower prices in Texas.
Find Cheaper Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,424 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,585 |
| 11 | Allstate | $1,701 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,568 |
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Travelers may offer some of the cheapest car insurance rates in Lubbock at around $1,052 each year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the best Lubbock, TX car insurance companies.
In this example, if you currently have a policy with Germania Mutual and switched to Travelers, you may realize a yearly savings of approximately $192. Drivers with Esurance could save as much as $327 a year, and California Casualty policyholders might reduce rates by $372 a year.
To see if your current coverage is too expensive, click here to get a free quote or quote rates from the companies below.
These estimates are averages across all drivers and vehicles in Texas and do not take into consideration an exact vehicle garaging location for 17 year olds. So the company that fits your needs best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
The make and model of vehicle driven is probably the most important factor when shopping around for the most economical coverage for 17 year olds. Vehicles with high performance, a lack of modern safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The next list features car insurance prices for the most affordable automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $4,117 |
| Ford Escape XLT 4WD | $4,161 |
| Honda Accord EX-L 4-Dr Sedan | $4,429 |
| Hyundai Elantra SE Touring Station Wagon | $4,434 |
| Toyota Prius | $4,473 |
| Ford Explorer XLT AWD | $4,618 |
| Honda Odyssey EX W/Rear Entertainment | $4,844 |
| Ford Focus S 4-Dr Sedan | $4,852 |
| Jeep Grand Cherokee Laredo 2WD | $4,887 |
| Toyota Tacoma Double Cab 4WD | $4,894 |
| Toyota RAV4 4WD | $4,887 |
| Ford Fusion S 4-Dr Sedan | $4,894 |
| Chevrolet Impala LT | $4,887 |
| Chevrolet Malibu LS | $4,893 |
| Volkswagen Jetta S 4-Dr Sedan | $4,887 |
| GMC Sierra SLE Crew Cab 2WD | $4,896 |
| Dodge Grand Caravan Crew | $4,930 |
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Data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific zip code location which can change coverage rates significantly.
Looking at the data, we can conclude that models like the Honda CR-V, Ford Escape, and Honda Accord are most likely going to be a few of the more affordable vehicles to insure for teen drivers. The price for car insurance will be more expensive just due to the fact that there is more inherent risk for 17 year olds, but in general those particular vehicles will have the least expensive rates compared to other vehicles.
Careless Lubbock drivers pay higher rates
One of the best ways to obtain the best insurance rates in Texas for teen drivers is to be a safe driver and avoid accidents and traffic citations. The diagram below highlights how speeding tickets and fender-benders raise auto insurance costs for each age group. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of a car insurance policy in Lubbock per year with a clean driving record and no accidents is $1,380. Add in two speeding tickets and the average cost rises to $1,955, an increase of $575 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of insurance for 17 year olds jumps again to an average of $4,203. That’s an increase of $2,823, or $235 per month, just for being a little careless behind the wheel!
Choosing the best car insurance provider can be rather challenging considering how many companies sell insurance in Texas. The ranking information below can help you select which car insurance companies you want to consider when comparing insurance rates for 17 year olds.
The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Texas are not taken into consideration for this list. If you wish to compare prices and find cheaper insurance for 17 year olds, click this link.
Top 10 Large Auto Insurance Companies in Lubbock Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Companies in Lubbock Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
How to find budget-friendly insurance for 17 year olds
It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Texas drivers quote lower-cost coverage.
- Pay less by remaining claim-free
- Good credit scores may make rates cheaper
- Having at-fault accidents will increase rates
- Buy your auto and home insurance from the same company and save
- Increase your comprehensive and collision deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Comparison shop frequently
The last suggestion is remarkably valuable, as was discussed in the prior information. Auto insurance rates can be changed at any time, so drivers shouldn’t be reluctant to change insurance companies if you find a better deal. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that inflexibility results in costing you hundreds of dollars year after year. Take a couple minutes and compare rates to find cheaper car insurance for 17 year olds in Lubbock.