The vehicle needing coverage is probably the most important factor when quoting the lowest-priced coverage for high mileage drivers. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost quite a bit less to insure than adrenaline junky models. The table below showcases coverage rates for a selection of the most cost-effective vehicles to insure in Texas.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $988 |
| Honda Odyssey LX | $1,059 |
| Ford Explorer Eddie Bauer 2WD | $1,081 |
| Honda CR-V EX-L 4WD | $1,121 |
| Volkswagen Jetta 2.0T Station Wagon | $1,135 |
| Chevrolet Equinox LT AWD | $1,143 |
| Dodge Grand Caravan SXT | $1,166 |
| Ford Edge SE 2WD | $1,203 |
| Toyota Camry XLE | $1,206 |
| Toyota Prius | $1,210 |
| Kia Optima LX | $1,225 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,250 |
| Chevrolet Impala LT | $1,252 |
| Toyota RAV4 Limited 2WD | $1,260 |
| Hyundai Sonata SE 4-Dr Sedan | $1,288 |
| GMC Sierra SLE Regular Cab 2WD | $1,292 |
| Chevrolet Malibu LS | $1,300 |
| Toyota Camry Hybrid | $1,310 |
| Chevrolet Silverado LS Crew Cab 2WD | $1,318 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,321 |
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific location information which can impact insurance rates greatly.
Looking at the rates, models like the Ford Escape, Honda Odyssey, Ford Explorer, Honda CR-V, and Volkswagen Jetta are most likely going to be the most economical vehicles to insure for high mileage drivers.
Finding dependable, budget car insurance is not most people’s favorite thing to do, and deciding which companies offer the cheapest car insurance rates for high mileage drivers will require even more work. Every insurance company has a proprietary formula to set policy rates, so we need to take a look at the car insurance companies that tend to have lower prices in Texas.
It’s a good idea to be aware that Lubbock car insurance rates are impacted by many factors which can significantly increase or decrease the cost of your policy. Events like a birthday, getting divorced, or having an at-fault accident may cause policy rate changes resulting in some rates now being higher-priced than before.
Cheapest Insurance Rates in Texas
Travelers normally has some of the cheapest car insurance rates in Lubbock at around $1,021 per year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Lubbock, TX auto insurance companies.
As shown in the table above, if you buy coverage from Germania Mutual and switched to USAA, you may see yearly savings of about $165. Drivers with Esurance may save as much as $248 a year, and California Casualty policyholders might reduce prices by as much as $307 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit any of the companies below.
Be aware that those rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for high mileage drivers. So the company that fits your age and vehicle best may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own driver information and specific vehicle type.
One of the more important components that are looked at to help calculate the amount you pay for auto insurance is where you choose to live. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The illustration below ranks the highest-priced areas in Texas for high mileage drivers to purchase auto insurance in. Lubbock makes the list at #14 with an annual cost of $1,733 on average, which is about $144 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Laredo | $1,907 |
| 3 | Dallas | $1,893 |
| 4 | Brownsville | $1,870 |
| 5 | Houston | $1,835 |
| 6 | Grand Prairie | $1,811 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Garland | $1,778 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,754 |
| 12 | Mesquite | $1,753 |
| 13 | San Antonio | $1,739 |
| 14 | Lubbock | $1,733 |
| 15 | Arlington | $1,709 |
| 16 | Fort Worth | $1,670 |
| 17 | Carrollton | $1,647 |
| 18 | El Paso | $1,616 |
| 19 | Austin | $1,610 |
| 20 | Waco | $1,584 |
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Information shown are approximated as the garaging address in Lubbock can revise insurance rates considerably.
Insuring your vehicle with the best car insurance provider can be rather challenging considering how many companies provide coverage in Lubbock. The company information below could help you pick which auto insurance companies to look at when trying to find cheaper insurance for high mileage drivers.
The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into this list. If you wish to compare rates from these top insurers and more, 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
The diagram below demonstrates how deductibles can raise or lower premium costs when getting quotes for cheap insurance for high mileage drivers. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $352 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, can cut as much as $1,026 every year by selecting a higher deductible.
If you do decide to increase your deductibles, it will be required to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Here’s why you should compare rates often
Lubbock, TX car insurance rates are determined by lots of factors that may substantially change the policy price. Simply getting older, having a teenage driver, or having a fender bender can trigger price changes that may make certain companies more affordable than before.
Not only may your risk profile change, but insurance companies change premium rates as often as every three months to reflect underwriting profits or losses. Unexpectedly high claims can result in more expensive premiums, while a lower level of claims can cause lower-cost Lubbock car insurance rates.
For instance, the chart below shows the company with the cheapest car insurance in Lubbock, TX for a 30-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we compare prices based on his personal risk profile, Travelers quotes the best car insurance rates in Lubbock at $1,154 a year. This is $750 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the cheapest Lubbock, TX auto insurance companies.
The example below compares rates after we give the driver in the first chart a chargeable claim, less-than-perfect credit, and a blemish on his driving record. Since each insurance company uses their own calculation to set premium rates, comparing rates may now present a different set of affordable Lubbock car insurance companies as shown below.
Mercury now has the cheapest car insurance in Lubbock with State Farm, USAA, Nationwide, and Safe Auto now being in the top five. This example demonstrates why it is crucial to spend some time comparing rates when trying to find the most economical insurance quotes for high mileage drivers. Prices consist of many risk factors and can decrease or increase without notice, so the best company two years ago may now be quite expensive.
How to find low-cost auto insurance for high mileage drivers
The list below summarizes a few penny-pinching solutions that can help drivers quote cheap coverage.
- Pay cheaper rates with good credit scores
- Prevent rate increases by staying accident-free
- Do not insure for full coverage
- Buying your home and auto policies from the same company can earn a discount
- Vehicles with good safety ratings have lower liability rates
- Compare prices frequently to find the best deal
That last idea is remarkably important, as was stressed in the prior article. Car insurance prices can be modified anytime, so don’t be unwilling to switch to a new company if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if your bullheadedness ends up costing you a small fortune year after year. It only take a few minutes to compare rates to find cheaper auto insurance for high mileage drivers in Lubbock.
The insurance agencies listed below are a good start to provide answers to your questions and help you determine which policy is best, since lots of people like to have some professional guidance when trying to find lower insurance rates for high mileage drivers. It’s not always easy to find the best coverage on your own, so getting professional guidance from a licensed agent can give satisfaction knowing you have sufficient coverage for your assets. To find a Lubbock insurance agency near you, click the button at the bottom of the list or click here to compare price quotes now.
- Allstate Insurance Agent: Doug Townsend
3901 84th St – Lubbock, TX 79423 – (806) 698-1611 - All Write Insurance Agency
2413 20th St – Lubbock, TX 79411 – (806) 763-2886 - Advanced Insurance
3225 50th St – Lubbock, TX 79413 – (806) 799-0052 - Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646