Deciding which company offers the cheapest auto insurance rates for drivers with a bad driving record will require a little more work than just quoting one company’s rates. Each insurance company has a proprietary formula for establishing rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Lubbock.
We do need to point out that Lubbock auto insurance rates are impacted by many factors that will increase or decrease the policy premium. Turning one year older, buying higher coverage limits, or getting a ticket for running a stop sign can trigger rate changes that can cause some rates to be more affordable than competitors.
Compare Cheap Insurance Quotes for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,565 |
| 11 | Allstate | $1,667 |
| 12 | Amica | $1,705 |
| 13 | Progressive | $1,715 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,672 |
| Find Cheaper Rates Go | ||
Travelers generally has some of the lowest car insurance rates in Lubbock at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Lubbock, TX insurance companies.
In the rate table above, if you currently have coverage with USAA and switched to Travelers, you could realize a yearly savings of in the neighborhood of $43. Customers with Texas Farm Bureau could save as much as $206 a year, and Germania Mutual policyholders might see rate reductions of $241 a year.
To find cheaper insurance rates for your vehicle, click here or click several companies below for low rates.
Be aware that those policy rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for drivers with a bad driving record. So the insurer that has the cheapest rates for you may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own specific driver and vehicle information.
For bad drivers, one of the largest criteria that are looked at to determine the cost of insurance is where you choose to live in Lubbock. More populated areas tend to have higher auto insurance costs, whereas less populated areas get the luxury of paying less.
The illustration below lists the most expensive places in Texas for drivers with a bad driving record to buy an auto insurance policy in. Lubbock is ranked at #12 with an annual cost of $1,733 for the average insured, which is approximately $144 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $2,016 |
| 2 | Dallas | $1,893 |
| 3 | Laredo | $1,889 |
| 4 | Houston | $1,853 |
| 5 | Brownsville | $1,851 |
| 6 | Garland | $1,832 |
| 7 | Amarillo | $1,804 |
| 8 | Grand Prairie | $1,793 |
| 9 | Mesquite | $1,771 |
| 10 | Pasadena | $1,740 |
| 11 | Irving | $1,736 |
| 12 | Lubbock | $1,733 |
| 13 | Beaumont | $1,702 |
| 14 | San Antonio | $1,688 |
| 15 | Fort Worth | $1,670 |
| 16 | Carrollton | $1,647 |
| 17 | Arlington | $1,642 |
| 18 | Austin | $1,627 |
| 19 | McKinney | $1,625 |
| 20 | El Paso | $1,616 |
| Get a Custom Quote Go | ||
Table data uses approximated as the specific area where the vehicle is garaged can revise insurance rates substantially.
Discount Lubbock car insurance rates
Insurance companies that offer quotes for drivers with a bad driving record may also offer discounts that can reduce rates by 40% or more if you meet eligibility requirements. A list of companies and some of the discounts are shown below.
- State Farm offers discounts for defensive driving training, good driver, accident-free, safe vehicle, Steer Clear safe driver discount, driver’s education, and passive restraint.
- Nationwide policyholders can earn discounts including anti-theft, easy pay, family plan, accident-free, good student, business or organization, and defensive driving.
- GEICO may include discounts for membership and employees, five-year accident-free, daytime running lights, federal employee, and anti-lock brakes.
- AAA has savings for education and occupation, good driver, AAA membership discount, good student, and pay-in-full.
- 21st Century includes discounts for homeowners, automatic seat belts, theft prevention, good student, and teen driver.
- The Hartford may offer discounts for anti-theft, vehicle fuel type, good student, driver training, and air bag.
The information below illustrates the comparison of insurance costs with and without discounts. The premiums are based on a female driver, three violations and two at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, anti-theft, continuous coverage, multiple vehicle, passive restraint, and homeowner discounts applied. When taking advantage of discounts, theamount saved on auto insurance for drivers with a bad driving record is 28% or $1,955.
Difference between full coverage and liability only rates
Buying cheaper auto insurance should be important to the majority of people, and an effective way to find cheap insurance for drivers with a bad driving record is to buy only liability coverage. The chart below compares yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data assumes no accidents, no driving violations, $250 deductibles, single marital status, and no discounts are factored in.
If averaged for all ages, physical damage coverage costs $2,671 per year over liability only. That is a large expense and it proposes the question when is the right time to remove full coverage. There is no clear-cut rule for eliminating full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
How to find economical insurance for drivers with a bad driving record
Below you’ll find some of the better thrifty ideas that can help you find lower-cost auto insurance.
- Drive vehicles with five-star safety ratings
- Just one traffic violation will increase your rates
- Avoid accidents and claims
- Clean up your credit
- Try to pay small claims out-of-pocket
- Compare rates and switch if you can find a better deal
That last idea is extraordinarily necessary, as was discussed in this piece. Prices charged by companies change a lot, so drivers shouldn’t be resistant to change insurance companies if a cheaper rate is available. Having a favorite company is great, but we do not recommend it if it’s costing you a considerable chunk of change every month. In less than five minutes you could compare prices to find cheaper car insurance for drivers with a bad driving record in Lubbock.
If you prefer to have professional advice when shopping for the best coverage for drivers with a bad driving record, the professional agents shown below are willing to provide answers to your questions and help you determine which insurance coverage will be best for you. To find an auto insurance agency close to where you live, click the link at the bottom or click here to get price quotes now.
Bledsoe Insurance Agency
5143 69th St – Lubbock, TX 79424 – (806) 794-8686
Chris Prather – State Farm Insurance Agent
4412 74th St f101 – Lubbock, TX 79424 – (806) 792-3331
Butler Carson Tate Insurance
4505 82nd St # 10 – Lubbock, TX 79424 – (806) 798-7979