The vehicle model on the policy is one of the biggest factors when comparing quotes for low-priced coverage with multiple speeding tickets. Vehicles with economical engines, an excellent safety record, or a low likelihood of liability claims will cost much less to insure than high performance models.
The table below ranks coverage costs for the most affordable vehicles to insure in Texas.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,455 |
| Honda CR-V EX-L 4WD | $1,626 |
| Toyota Tacoma 4WD | $1,633 |
| Ford Escape XLT 4WD | $1,626 |
| Chevrolet Impala LS | $1,690 |
| Toyota Prius | $1,760 |
| Ford Explorer Eddie Bauer 2WD | $1,783 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,785 |
| Ford Edge Limited AWD | $1,817 |
| Jeep Grand Cherokee Laredo 2WD | $1,838 |
| Nissan Rogue SL 2WD | $1,842 |
| Chevrolet Malibu LTZ | $1,851 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,861 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,851 |
| Toyota Corolla XRS | $1,859 |
| Start Your Quote Go | |
Data rating is based on single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in garaging location in Lubbock, TX which can change prices greatly.
Looking at the rates, you can presume that models like the Honda Accord, Honda CR-V, Toyota Tacoma, and Ford Escape are most likely to be a few of the more affordable vehicles to insure after a few driving violations.
Deciding which companies quote the most affordable car insurance rates with multiple speeding tickets will require a tad more effort than just quoting one company’s rates. Every insurance company has a proprietary formula to determine rates, so we need to take a look at the most competitive car insurance companies in Lubbock, TX.
Best Insurance Companies with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,476 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,613 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,072 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
| Get a Custom Quote Go | ||
Travelers quotes some of the lowest car insurance rates in Lubbock at around $1,021 annually. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the cheapest Lubbock, TX insurance companies.
In the above example, if you are a policyholder with Germania Mutual and switched to Travelers, you might see an annual premium reduction of about $273. Drivers with Esurance may save as much as $344 a year, and California Casualty customers might reduce rates by $375 a year.
These premiums are averages across all types of drivers and the different vehicles they drive and and are not figured with a vehicle location with multiple speeding tickets. So the company that can offer the best rates for your situation may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.
Types of discounts on Lubbock insurance
Car insurance companies that offer coverage with multiple speeding tickets may also give you special discounts that could lower prices by as much as 30% if you meet the requirements. Large car insurance companies and a selection of discounts are outlined below.
- Travelers offers discounts including continuous insurance, save driver, driver training, student away at school, multi-policy, new car, and home ownership.
- 21st Century discounts include automatic seat belts, anti-lock brakes, driver training, good student, early bird, and defensive driver.
- State Farm offers premium reductions for accident-free, safe vehicle, good driver, anti-theft, passive restraint, and good student.
- GEICO offers discounts for membership and employees, anti-lock brakes, anti-theft, federal employee, and military active duty.
- SAFECO policyholders can earn discounts including bundle discounts, teen safe driver, multi-car, safe driver, anti-theft, and teen safety rewards.
- AAA may have discounts that include good driver, AAA membership discount, anti-theft, multi-car, and multi-policy.
The example below illustrates the comparison of insurance rates with and without some available policy discounts. The data assumes a female driver, no accidents and one citation, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, paid-in-full, multiple policy, marriage, paperless filing, and passive restraint discounts applied. When drivers qualify for the discounts, theamount saved on car insurance with multiple speeding tickets is 28% or $522.
Best car insurance company in Texas
Choosing the right company can be challenging considering how many companies sell insurance in Texas. The company information shown below may help you select which coverage providers to look at comparing rates with. These rankings are only comprised of the largest companies in America, so companies that only write business in Texas or surrounding areas are not factored into this list.
Top 10 Major Auto Insurers Overall in Lubbock
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
The chart below illustrates how your deductible choice can impact insurance costs when researching cheap insurance with multiple speeding tickets. The premiums assume a married female driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could save $260 a year by changing from a $100 deductible to a $500 deductible, or save $394 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave up to $646 or even more by selecting a higher deductible.
If you do make the decision to raise your deductibles, it will be required to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.