Finding decent, reasonably-priced auto insurance is not easy, and determining which company offers the best car insurance rates in Lubbock will involve even more perseverance. Each company has a different process to set premium rates, so first let’s look at the rankings for the overall cheapest car insurance companies in Texas.
It’s a good idea to know that Lubbock car insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Taking a driver safety course, buying a safer car, or getting a driving violation may generate price changes that can make some companies more affordable than others.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,256 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,705 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,646 |
| Get a Custom Quote Go | ||
Travelers has some of the best car insurance rates in Lubbock at around $1,041 annually. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the best Lubbock, TX auto insurance companies.
As illustrated above, if you are currently insured with USAA and switched to Travelers, you might achieve an annual premium reduction of roughly $43. Texas drivers with Texas Farm Bureau might save as much as $206 a year, and Germania Mutual insureds might realize rate reductions of up to $215 a year.
Understand that those rates are averaged for all drivers and vehicles and are not factoring in a specific zip code in Lubbock. So the auto insurance company that has the cheapest rates for you may not even be in the top 23 companies shown above. That emphasizes why you need to get quotes using your own specific driver information and vehicle.
For drivers in Lubbock, one of the more important criteria that determine the amount you pay each year for auto insurance is where you call home in Lubbock. Larger areas tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The next table lists the highest-priced places in Texas in which to buy car insurance. Lubbock ranks #13 having an annual price of $1,733 for the average insured, which is approximately $144 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Laredo | $1,907 |
| 3 | Brownsville | $1,870 |
| 4 | Dallas | $1,855 |
| 5 | Houston | $1,853 |
| 6 | Amarillo | $1,840 |
| 7 | Irving | $1,789 |
| 8 | Garland | $1,778 |
| 9 | Pasadena | $1,758 |
| 10 | Mesquite | $1,753 |
| 11 | Grand Prairie | $1,740 |
| 12 | San Antonio | $1,739 |
| 13 | Lubbock | $1,733 |
| 14 | Beaumont | $1,720 |
| 15 | Carrollton | $1,664 |
| 16 | Austin | $1,659 |
| 17 | Arlington | $1,658 |
| 18 | Fort Worth | $1,653 |
| 19 | El Paso | $1,632 |
| 20 | Plano | $1,576 |
| Find the Best Rates Go | ||
Price information shown is estimated as the specific garaging location can raise or lower coverage rates substantially.
The vehicle model that is being insured is a large consideration when consumers are trying to find the lowest-priced auto insurance in Lubbock. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models.
The list below illustrates coverage rates for the most economical automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $993 |
| Honda Odyssey LX | $1,066 |
| Ford Escape Limited 2WD | $1,089 |
| Honda Accord LX 4-Dr Sedan | $1,097 |
| Ford F-150 XLT Super Cab 4WD | $1,111 |
| Honda Civic DX 4-Dr Sedan | $1,129 |
| Nissan Altima 2.5 4-Dr Sedan | $1,151 |
| Hyundai Elantra SE Touring Station Wagon | $1,157 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,162 |
| Toyota Prius | $1,182 |
| Ford Edge Sport AWD | $1,213 |
| Chevrolet Impala LTZ | $1,219 |
| Jeep Grand Cherokee Laredo 2WD | $1,260 |
| Toyota RAV4 Limited 4WD | $1,267 |
| Toyota Tacoma Double Cab 4WD | $1,284 |
| Chevrolet Malibu LT | $1,289 |
| Ford Explorer Eddie Bauer 4WD | $1,284 |
| Toyota Camry LE | $1,295 |
| GMC Sierra SLE Regular Cab 2WD | $1,303 |
| Toyota Camry Hybrid | $1,317 |
| Dodge Grand Caravan Crew | $1,324 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,340 |
| Ford F-350 Crew Cab Lariat Turbo Diesel 2WD | $1,350 |
| Compare Cheap Rates Go | |
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in Lubbock, TX location which can affect auto insurance rates significantly.
Based upon these rates, cars like the Honda CR-V, Honda Odyssey, Ford Escape, and Honda Accord are likely to be some of the more affordable vehicles to insure for drivers in Lubbock.
Rate increases following a ticket or accident
The recommended way to find the best auto insurance prices in Texas for drivers in Lubbock is to pay attention while driving and avoid accidents and traffic citations. The example below demonstrates how speeding tickets and at-fault fender-benders can impact car insurance costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of a car insurance policy per year with no accidents or violations is $1,706. Add in two speeding tickets and the average cost jumps to $2,431, an increase of $725 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance in Lubbock jumps again to an average of $4,982. That’s an increase of $3,276, or $273 per month, just for not being a responsible driver!