The make and model of vehicle you are insuring is probably the biggest factor when shopping for the best car insurance for drivers with accidents. Vehicles with limited speed and performance, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The data below ranks auto insurance premiums for a selection of the more affordable automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $2,622 |
| Hyundai Elantra SE Touring Station Wagon | $2,630 |
| Toyota Prius | $2,654 |
| Honda CR-V LX 2WD | $2,709 |
| Ford Explorer XLT 4WD | $2,747 |
| Ford Focus S 4-Dr Sedan | $2,866 |
| Toyota RAV4 Sport 4WD | $2,896 |
| Chevrolet Equinox LS AWD | $2,904 |
| Honda Accord EX-L 4-Dr Sedan | $2,915 |
| Ford Edge SEL AWD | $3,066 |
| Chevrolet Impala LS | $3,071 |
| Nissan Altima 2.5 4-Dr Sedan | $3,098 |
| Jeep Grand Cherokee Laredo 4WD | $3,212 |
| Dodge Grand Caravan Hero | $3,222 |
| Volkswagen Jetta S 4-Dr Sedan | $3,212 |
| Start a Quote Go | |
Price data assumes single female driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific garaging location which can revise price quotes substantially.
By looking at the data, you can assume that models like the Ford Escape, Hyundai Elantra, Toyota Prius, Honda CR-V, and Ford Explorer are the cheaper vehicles to insure for drivers with at-fault accidents. Prices will be more expensive because of the fact that there is a higher risk for drivers with accidents, but generally speaking those particular models will have the lowest insurance prices possible.
Figuring out which company has the lowest-priced car insurance rates for drivers with accidents requires a little more sweat than just picking a company at random. Every car insurance company has their own guidelines to set policy rates, so let’s examine the car insurance companies with the most affordable rates in Lubbock.
It’s important that you understand Lubbock car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Simply having another birthday, increasing deductibles, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper than others.
Lowest Insurance Price Quotes for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,421 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,597 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,241 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,672 |
| View More Rates Go | ||
Travelers offers some of the most affordable car insurance rates in Lubbock at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the lowest-priced Lubbock, TX car insurance companies.
As shown above, if you are insured with Texas Farm Bureau and switched to Travelers, you could realize an annual savings of in the neighborhood of $206. Texas drivers with Germania Mutual might save as much as $253 a year, and Esurance insureds might cut rates by $380 a year.
Understand that those premium estimates are averages across all drivers and vehicles in Texas and do not take into consideration a specific location for drivers with accidents. So the auto insurance company that fits your situation best may not even be in the top 23 companies shown above. That helps illustrate why you need to get car insurance quotes using your own personal information and vehicle type.
Types of discounts on Lubbock auto insurance
Insurers that offer cheap quotes for drivers with accidents may also give you discounts that can lower rates by as much as 40% or more if you qualify. A few popular companies and the discounts they provide are shown below.
- Progressive offers discounts including online signing, good student, continuous coverage, multi-policy, multi-vehicle, homeowner, and online quote discount.
- Farmers Insurance includes discounts for youthful driver, mature driver, pay in full, teen driver, distant student, alternative fuel, and business and professional.
- Farm Bureau offers premium reductions for safe driver, renewal discount, multi-policy, good student, and driver training.
- State Farm discounts include defensive driving training, passive restraint, multiple autos, driver’s education, anti-theft, student away at school, and multiple policy.
- GEICO may have discounts that include good student, anti-theft, defensive driver, seat belt use, and five-year accident-free.
- SAFECO has savings for anti-lock brakes, anti-theft, multi-car, safe driver, accident prevention training, bundle discounts, and drive less.
- Liberty Mutual policyholders can earn discounts including newly married, multi-car, hybrid vehicle, new graduate, and teen driver discount.
The example below compares car insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, two accidents and no citations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, continuous coverage, multiple vehicle, multiple policy, paid-in-full, and anti-theft discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for drivers with accidents is 29% or $1,248.
How careless driving impacts car insurance rates
A great way to earn the best car insurance prices for drivers with at-fault accidents is to pay attention while driving and not have accidents or get tickets. The example below demonstrates how citations and accidents influence insurance rates for different ages of insureds. The premiums are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $1,899. Factor in one speeding ticket and the average cost swells to $2,152, an increase of $253 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers with accidents goes up to an average of $2,859. That’s an increase of $960, or $80 per month, just for not driving safely!
Ending up with the top insurer can be challenging considering how many choices you have in Texas. The company ratings shown below may help you select which coverage providers you want to consider when comparing rate quotes. The rankings below include large nationwide companies, so companies that have a smaller presence are not factored into the list.
Top 10 Large Auto Insurers Overall in Lubbock
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
The Lubbock auto insurance agencies shown below can most likely help you determine which car insurance company is the best fit, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for the best coverage for drivers with at-fault accidents. It can be challenging to find the cheapest rate yourself, so insurance agents can give you peace of mind knowing your coverage gives you sufficient coverage at claim time. To find an auto insurance agency by location nearest to you, click the button following the list.
Sims-Perrin Insurance
3302 34th St – Lubbock, TX 79410 – (806) 795-4301
Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646
Sanford and Tatum Insurance Agency
5241 98th St – Lubbock, TX 79424 – (806) 792-5564
Roddy Simmons Jr – State Farm Insurance Agent
2124 34th St – Lubbock, TX 79411 – (806) 747-5759
Farmers Insurance – Rc Calderon
1314 50th St – Lubbock, TX 79412 – (806) 741-1515
More Lubbock, TX insurance agents
Ideas for buying more affordable insurance for drivers with accidents
The list below shows some thrifty suggestions that can help Texas drivers buy cheaper auto insurance.
- Increase your credit score
- Bundle home and auto and earn a discount
- Try to remain claim-free
- If your vehicles are older, consider dropping full coverage
- Get cheaper liability coverage by choosing a safer vehicle
- Higher deductibles save money
- Shop around for cheaper prices
The last suggestion is notably valuable, as we emphasized in this article. Auto insurance prices change a lot, so don’t be tentative to buy a policy from a new company if a better deal can be had. We understand brand loyalty, but it’s not a good idea if that faithfulness ends up costing you big bucks every year. It only takes a couple minutes to compare prices to find cheaper car insurance for drivers with accidents in Lubbock.