For drivers on welfare, one of the more important things that determine the price you pay for insurance is the neighborhood you call home. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with less people or fewer weather incidents get the luxury of paying less.
The table below lists the highest-priced places in Texas for welfare recipients to buy auto insurance in. Lubbock makes the list at #14 with an annual cost of $1,682 for car insurance, which is about $140 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Brownsville | $1,927 |
| 3 | Laredo | $1,889 |
| 4 | Amarillo | $1,858 |
| 5 | Dallas | $1,855 |
| 6 | Garland | $1,850 |
| 7 | Houston | $1,835 |
| 8 | Grand Prairie | $1,793 |
| 9 | Irving | $1,789 |
| 10 | Mesquite | $1,771 |
| 11 | Pasadena | $1,758 |
| 12 | Beaumont | $1,720 |
| 13 | Arlington | $1,692 |
| 14 | Lubbock | $1,682 |
| 15 | San Antonio | $1,671 |
| 16 | Fort Worth | $1,670 |
| 17 | Austin | $1,659 |
| 18 | McKinney | $1,625 |
| 19 | Plano | $1,624 |
| 20 | Carrollton | $1,615 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,584 |
| 23 | Waco | $1,584 |
| 24 | Killeen | $1,518 |
| 25 | Abilene | $1,499 |
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Premium amounts are approximated as specific Lubbock garaging address can alter premium rates considerably.
Finding out which companies have the cheapest insurance rates for welfare recipients requires a bit more effort than just comparing rates from one or two companies. Every insurance provider used slightly different criteria for establishing rates, so let’s look at the rankings for the most affordable insurance companies in Lubbock, TX.
It’s important that readers know that Lubbock insurance rates are impacted by many things that may substantially change the policy premium. Getting older, moving across town, or getting a couple of tickets may cause policy rate changes that can make some companies more affordable than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,510 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Amica | $1,705 |
| 12 | Progressive | $1,715 |
| 13 | Allstate | $1,718 |
| 14 | GEICO | $2,135 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
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Travelers generally has some of the most affordable car insurance rates in Lubbock at around $1,041 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the lowest-priced Lubbock, TX car insurance companies.
In the above example, if you are currently insured with Germania Mutual and switched to Travelers, you could earn annual savings of roughly $215. Policyholders with Esurance could save as much as $324 a year, and California Casualty policyholders might reduce rates by $341 a year.
Understand that those policy rates are averages for all types of insureds and vehicles and and are not calculated with an exact zip code location for welfare recipients. So the car insurance company that has the lowest price for you may not even be in the top 23 companies in the list above. That point stresses why you need to quote rates from many companies using your own specific driver information and vehicle.
The example below illustrates how your choice of deductibles can increase or decrease insurance costs when trying to find cheap insurance for welfare recipients. The data is based on a married male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could cut expenses by $396 a year by increasing from a $100 deductible up to a $500 deductible, or save $598 by selecting a $1,000 deductible. Young drivers, like the Age 20 chart data, could lower their rates $1,206 or more by choosing a larger deductible amount.
If you do make the decision to raise your deductibles, it is essential to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Driving violations and accidents
The easiest method to maintain the best insurance prices for drivers on welfare is to be a good driver and avoid accidents and traffic citations. The diagram below shows how traffic citations and accidents increase car insurance rates for each different age group. The data is based on a single female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Lubbock per year with a clean driving record and no accidents is $2,767. Factor in one speeding ticket and the average cost swells to $3,137, an increase of $370 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for welfare recipients increases to an average of $4,196. That’s an increase of $1,429, or $119 per month, just for not maintaining a clean driving record!
Get discount Lubbock insurance rates
Insurance providers that provide policies for welfare recipients may also give you discounts that could lower prices by as much as 35% if you meet the requirements. Larger insurance companies and a selection of discounts can be found below.
- Farmers Insurance offers premium reductions for bundle discounts, homeowner, alternative fuel, multi-car, business and professional, and electronic funds transfer.
- State Farm may offer discounts for student away at school, driver’s education, good student, Steer Clear safe driver discount, and good driver.
- Liberty Mutual has savings for good student, newly married, new vehicle discount, preferred payment discount, multi-car, and safety features.
- MetLife may include discounts for good driver, good student, defensive driver, multi-policy, accident-free, claim-free
- Progressive offers discounts including homeowner, good student, continuous coverage, multi-policy, online quote discount, and online signing.
The chart below compares insurance premiums with and without discounts applied. The premiums are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, accident-free, anti-theft, homeowner, defensive driving course, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for welfare recipients is 28% or $445.