The words “affordable” and “auto insurance” really don’t belong together, specifically when you are shopping around for the best price on coverage for active military. Because of the high cost, let’s open your eyes to some situations that influence insurance premiums, and find out if we can help you cut the cost of your next policy.
The make and model of vehicle requiring coverage is probably the most important factor when shopping around for the best cheap insurance for active military. Vehicles with more horsepower, a lack of modern safety features, or high incidents of liability claims will cost quite a bit more to insure than safer models.
The next table ranks auto insurance costs for the most affordable automobiles to insure in Texas.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $966 |
| Honda Accord LX-P 4-Dr Sedan | $1,055 |
| Honda Odyssey LX | $1,059 |
| Honda CR-V EX 2WD | $1,093 |
| Toyota Camry LE | $1,143 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,157 |
| Ford F-150 STX Regular Cab 2WD | $1,203 |
| Toyota Tacoma X-Runner 2WD | $1,206 |
| Toyota Prius | $1,210 |
| Ford Edge SEL 2WD | $1,225 |
| Chevrolet Equinox LTZ AWD | $1,228 |
| Toyota RAV4 2WD | $1,252 |
| GMC Sierra SL Extended Cab 2WD | $1,259 |
| Dodge Grand Caravan SXT | $1,276 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $1,290 |
| Ford Focus SEL 4-Dr Sedan | $1,296 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,304 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,310 |
| Ford Explorer Eddie Bauer AWD | $1,321 |
| Hyundai Elantra SE 4-Dr Sedan | $1,323 |
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in Lubbock, TX location which can decrease or increase price quotes greatly.
Looking at the data, we can expect makes and models like the Ford Escape, Honda Accord, Honda Odyssey, Honda CR-V, and Toyota Camry are most likely to be the most budget-friendly vehicles to insure for military personnel.
For military personnel, one of the largest factors that are used to help calculate auto insurance rates is your zip code. Areas with more people or more claims tend to pay more, whereas areas with less people or fewer weather incidents receive better rates.
The table below ranks the most costly cities in Texas for active military to buy auto insurance in. Lubbock makes the list at #12 with the yearly price of $1,733 for the average policy, which is around $144 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Houston | $1,909 |
| 3 | Brownsville | $1,851 |
| 4 | Garland | $1,850 |
| 5 | Dallas | $1,837 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,807 |
| 8 | Amarillo | $1,786 |
| 9 | Beaumont | $1,772 |
| 10 | Pasadena | $1,740 |
| 11 | Grand Prairie | $1,740 |
| 12 | Lubbock | $1,733 |
| 13 | Irving | $1,719 |
| 14 | San Antonio | $1,671 |
| 15 | Austin | $1,659 |
| 16 | Arlington | $1,658 |
| 17 | Corpus Christi | $1,636 |
| 18 | Fort Worth | $1,621 |
| 19 | Carrollton | $1,598 |
| 20 | El Paso | $1,568 |
| 21 | McKinney | $1,561 |
| 22 | Abilene | $1,561 |
| 23 | Plano | $1,560 |
| 24 | Waco | $1,537 |
| 25 | Killeen | $1,518 |
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Rate information is estimated as the specific Lubbock residence address can revise rates noticeably.
Deciphering which companies have the cheapest auto insurance rates for active military will take more work than just getting one or two price quotes. Each auto insurance company has their own process to set premium rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Lubbock.
Cheap Insurance Rates for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,585 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,698 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
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Travelers offers some of the lowest car insurance rates in Lubbock at around $1,052 each year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the cheapest Lubbock, TX car insurance companies.
As shown in the rates above, if you are insured with Germania Mutual and switched to Travelers, you might see an annual premium reduction of approximately $192. Insureds with Esurance might save as much as $369 a year, and California Casualty policyholders might lower prices by $386 a year.
If you want to see how much you could save, click here to start your custom quote or visit any of the companies below.
Understand that those rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific location for active military. So the company that fits your needs best may not even be in the top 23 companies shown above. That illustrates why you need to compare rates from multiple companies using your own personal information and vehicle type.
Ending up with the highest-rated insurance company can be difficult considering how many different companies there are to choose from in Texas. The company ratings in the lists below can help you decide which insurers you want to consider when buying insurance for active military. These rankings are for large nationwide companies, so companies with more of a regional focus are not factored into this list.
Top 10 Major Auto Insurers in Lubbock Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurers in Lubbock Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
The information below illustrates how your choice of deductibles can impact premium costs when quoting cheap insurance for active military. The rates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could lower their car insurance rates by $302 a year by changing from a $100 deductible to a $500 deductible, or save $456 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, have the ability to save up to $766 annually just by choosing higher deductibles.
When using a larger deductible, it will be required to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Irresponsible driving raises your rates
The recommended way to find the best auto insurance premiums in Lubbock for military personnel is to be a cautious driver and have a clean driving record. The illustration below demonstrates how traffic citations and at-fault accidents impact premium costs for different age categories. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,807. Add in two speeding tickets and the average cost surges to $2,482, an increase of $676 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for active military jumps again to an average of $3,183. That’s an increase of $1,376, or $115 per month, just for not driving attentively!
How to find low-cost insurance for active military
It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help Texas drivers quote cheap car insurance.
- Try to remain claim-free
- Avoid accidents and claims
- Do not get traffic citations
- Buy vehicles with five-star safety ratings
- Bundle home and auto and earn a discount
- Compare rate quotes often
The final tip is extraordinarily vital, as we discussed in this piece. Prices can change significantly in a year, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available. Brand loyalty is great, but we do not recommend it if that inflexibility results in costing you money that could be going to better use. Spend a few minutes and shop around and find cheaper insurance for active military in Lubbock.
The auto insurance agents in Lubbock shown below are a good start to help you determine which auto insurance policy would work best for you, since many people would rather get help from a professional when buying car insurance for military personnel. It’s not always simple to find the best coverage yourself, and agents can provide you comfort knowing you have sufficient coverage at claim time.
To find an agent nearest to you, click the button at the bottom.
- Sanford and Tatum Insurance Agency
5241 98th St – Lubbock, TX 79424 – (806) 792-5564 - Rebecca Egert – State Farm Insurance Agent
9810 Indiana Ave Ste 120 – Lubbock, TX 79423 – (806) 795-4344 - Jason Grisham – State Farm® Insurance Agent
1102 Slide Rd, 33 – Lubbock, TX 79416 – (806) 793-3101 - Lubbock AllState Agent
2312 19th St – Lubbock, TX 79401 – (806) 412-1471