The vehicle you are insuring is one of the largest factors in finding the most economical auto insurance for uninsured drivers. Vehicles with more horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The next list presents car insurance prices for the cheaper automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,025 |
| Honda CR-V LX 4WD | $1,126 |
| Honda Accord LX 4-Dr Sedan | $1,158 |
| Chevrolet Malibu LS | $1,217 |
| Ford Explorer Limited 4WD | $1,240 |
| Ford Focus SES 4-Dr Sedan | $1,261 |
| Ford F-150 STX Super Cab 2WD | $1,274 |
| Chevrolet Impala LTZ | $1,283 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,292 |
| Toyota Prius | $1,283 |
| Jeep Grand Cherokee Limited 4WD | $1,306 |
| GMC Sierra SLE Crew Cab 4WD | $1,315 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,306 |
| Find Cheaper Rates Go | |
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in specific location information which can increase or decrease insurance rates considerably.
Looking at the rates, you can infer that vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Chevrolet Malibu will be the most economical vehicles to insure for drivers with no prior coverage.
Determining which company offers the cheapest auto insurance rates for uninsured drivers calls for more work in order to find the best policy.
Each insurer uses a different method to set their prices, so let’s examine the overall cheapest auto insurance companies in Lubbock. It’s a good idea to be aware that Lubbock, TX auto insurance rates are calculated based on many things that will increase or decrease the price you pay. Getting older, buying a different home, or having a fender bender can trigger price changes that may make certain companies more affordable than the competition.
Best Insurance Companies in Texas
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,282 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,600 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,672 |
| Compare Rates Now Go | ||
Travelers may have some of the lowest car insurance rates in Lubbock at around $1,010 each year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the cheapest Lubbock, TX insurance companies.
As depicted above, if you have coverage with Texas Farm Bureau and switched to Travelers, you could see annual savings of around $189. Texas drivers with Germania Mutual might save as much as $272 a year, and California Casualty insureds might realize rate reductions of up to $372 a year.
To see how much you can save, click here to get a free quote or quote prices from the following companies.
Bear in mind that those policy prices are averaged across all drivers and vehicles and do not take into consideration an exact location for uninsured drivers. So the company that has the cheapest rates for you may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own individual information.
The illustration below illustrates how choosing a deductible can influence insurance premiums when researching cheap insurance for uninsured drivers. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
A 40-year-old driver could lower rates by $372 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $560 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could shave up to $1,240 or more by choosing a larger deductible amount.
When using a larger deductible, it will be required to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
What is the best auto insurance company in Texas?
Buying coverage from a good quality insurance provider can be a challenge considering how many choices drivers have in Lubbock. The ranking data shown below can help you choose which car insurance providers to look at comparing prices from.
The rankings below are only made up of the largest auto insurers in America, so companies that only write business in Texas or surrounding areas are not included in these rankings. If you’d like to compare prices from these and other competitive companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Your cheap policy may actually be overpriced
Lubbock, TX auto insurance rates are calculated based on many things which can substantially decrease or increase the policy premium. Turning one year older, buying a different home, or having an at-fault accident may generate price changes resulting in some companies being more affordable than before.
In addition, auto insurance companies file new Texas auto insurance rates every year in order to be able to pay unexpected claims. Heavy losses may result in more expensive premiums, while long-term profits can produce more affordable Lubbock car insurance rates.
To illustrate this example, the data below demonstrates which company has the cheapest car insurance in Lubbock, TX for a 40-year-old female driver with no prior accidents, a clean driving record, and good credit. If we look at prices based on her current risk profile, Travelers may offer the lowest car insurance rates in Lubbock at $1,166 annually. This is $738 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are the remainder of the cheapest Lubbock, TX auto insurance companies.
The example below compares rates after we give the driver from above an accident surcharge, slightly worse credit, and a blemish on her driving record. Since every insurance provider has their own formula to set their prices, comparing rates may result in a completely different list of the cheapest companies as shown below.
USAA now has the lowest price in Lubbock with State Farm, Mercury, Nationwide, and Safe Auto also having competitive pricing. This shows why consumers need to perform a complete rate comparison when trying to find affordable car insurance quotes for uninsured drivers.
Prices consist of many factors and can increase or decrease at any time, so the cheapest company three years ago may now be one of the higher cost companies.
How to find budget-friendly insurance for uninsured drivers
Below you’ll find some money-saving solutions that can help Texas drivers locate cheap coverage.
- Having too many claims will increase rates substantially
- Avoid accidents and claims
- Do not pay for comprehensive and collision coverage on older vehicles
- Increase deductibles to save money
- Do not get traffic citations
- Compare rate quotes often
That last piece of advice is extremely crucial, as was discussed in this write-up. Coverage rates adjust often, so drivers shouldn’t be resistant to buy a different policy if a lower-cost policy is available.
We understand brand loyalty, but it’s not a great idea if that dedication is costing hundreds of dollars year after year. Now is a great time to shop around and find cheaper insurance for uninsured drivers in Lubbock.
If you have questions and prefer to get some professional input when trying to find the best insurance rates for drivers with no prior coverage, the agents shown below are willing to aid you in deciding which car insurance company is the best fit. To find a Lubbock insurance agent nearest to you, click the button following the list.
Peter Griffith – State Farm Insurance Agent
409 Frankford Ave – Lubbock, TX 79416 – (806) 785-4456
Jason Grisham – State Farm® Insurance Agent
1102 Slide Rd, 33 – Lubbock, TX 79416 – (806) 793-3101
Hettler Insurance Agency
4432 S Loop 289 – Lubbock, TX 79414 – (806) 798-7800
Lisa Caldwell – State Farm Insurance Agent
2418 19th St – Lubbock, TX 79401 – (806) 799-1628
Farmers Insurance – Rc Calderon
1314 50th St – Lubbock, TX 79412 – (806) 741-1515