Cheap Car Insurance Lubbock Texas - Fred Loya had the cheapest minimum coverage policy based on our analysis of the best auto insurance companies in Lubbock, with an average cost of $505 per year. The company also offered the best rates for full coverage, $905 per year.
In general, prices in Lubbock are cheaper than the Texas state average. The nine insurers in our study charged Lubbock $810 annually for minimum coverage — $116 less than the state's annual average of $926.
Cheap Car Insurance Lubbock Texas
Always get quotes from multiple insurers. MetLife, the most expensive insurer, paid our Lubbock driver $3,790 more than Fred Loya for the same coverage.
Car Insurance In Houston, Tx [rates + Comparison Guide 2022]
Fred Loya had the best rates for minimum coverage. Lubbock drivers pay just $42 a month for a Fredy Loya policy that meets Texas' minimum requirements for auto insurance.
State Farm is a close second, but only $46 per month. We recommend you get quotes from both companies before purchasing a policy.
Car insurance for less than $50 per month may sound like a lot, but keep in mind that the coverage it provides is extremely limited. The minimum coverage does not protect your own car, so if you collide with another driver or your car is stolen, you are fully responsible for its repairs or replacement.
Fred Loya also had the best deal for full coverage insurance. In most cases, USAA has the most affordable coverage, but Fred Loya stands out because it is a widely available insurer that offers much lower rates than USAA. Full coverage is just $905 a year. The average cost of full coverage in Lubbock is $2,612 per year, so Lubbock drivers can save more than $1,700 each year with Fred Loya.
State Farm Losing Market Share In Texas
While Fred Loya has the best rates, we recommend contacting State Farm and Geico for quotes, too. Both companies have better customer service reputations than Loya, whose cheap prices mask a subpar customer experience.
Recommends full coverage for most drivers, but especially drivers who own a new or expensive car. Full coverage includes collision and comprehensive coverage.
Drivers with accidents on their record - such as an at-fault accident, speeding ticket or DUI - receive higher rates from insurers. Drivers with a bad credit score are also quoted higher rates, even though your credit score has no impact on your ability to drive safely.
We looked at thousands of quotes in Lubbock and found the best rates for drivers with these accidents on their records:
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Fred Loya and State Farm not only offer the best rates for Lubbock drivers with an at-fault accident on their record, they also offer the lowest rates after an at-fault accident. Fred Loya increased rates by $218, from $905 to $1,123. State Farm increased rates by $223, from $1,238 to $1,461.
Overall, the average rates for Lubbock residents increased by $1,480 after an at-fault accident. Insurers see an at-fault accident as a sign of future risk and will raise your rates to account for that risk.
Lubbock drivers with a speeding ticket pay $193 more per year on average than drivers with a clean record. Fred Loya and State Farm have again provided the best value for speeding ticket drivers. Neither company increased rates, and both charged significantly less than the city average; the rates were 68% and 56% lower, respectively.
Fred Loya had the best rates for drivers with a DUI on their record, charging 66% less than the city average.
Auto Insurance In Texas
Driving under the influence (DUI) in Lubbock increases average rates from $2,612 to $4,430. That's the biggest increase of all accidents in our study, which shows how many insurers take DUI seriously.
Fred Loya had the most affordable full coverage for Lubbock drivers with bad credit. In fact, the company charged our sample driver the same rate—$905 a year—whether they had very good, average, or bad credit.
However, this is an unusual approach. Most insurers will raise rates if you have a low credit score, as they consider this a sign of increased risk. The average cost for full coverage in Lubbock is:
Fred Loya had the best rates for married drivers in Lubbock. Annual premiums averaged $741, which is 69% lower than the city average. Married drivers in Lubbock pay $2,381 per year on average - $231 less than single drivers.
Lubbock, Tx Auto Insurance
Fred Loya had the best rates for the 18-year-old driver sample in our study. While $3,068 a year for car insurance may not sound particularly affordable, it is much less expensive than the city average of $6,740 a year.
The average rates for our 18 year old Lubbock driver sample were 158% higher than the average rates for our 30 year old Lubbock driver sample.
Due to the very high rates, we encourage young drivers to stay with their parents' insurance if they can. Alternatively, they can reduce their rates with a good student discount or telematics program.
Insurance rates vary not only by city, but also by zip code. If you live in an area where accident or crime rates are higher, you will pay more than someone who lives in a zip code where accidents are few and crime is rare.
How To Find Cheap Full Coverage Auto Insurance In Texas
Our analysis identified 79411 as the most expensive zip code in Lubbock for auto insurance, while the least expensive was 79424.
For every 1,000 Lubbock residents, about five cars are stolen. The city has the fourth highest felony theft rate in Texas, according to a 2019 analysis of crime data.
VauePenguin has collected auto insurance quotes from nine of the largest insurers in Texas. Unless otherwise noted, our sample driver was a 30-year-old male who drove a 2015 Honda Civic EX and had average credit.
The analysis uses insurance rate data from Quadrant Information Services. These rates have been derived from publicly available insurance files and are intended for comparative purposes only. Your own quotes may vary, depending on your driving history, credit score and other factors unique to you.
Affordable Auto Insurance Coverage For Every Budget
To get an insurance quote over the phone, call: (855) 596-3655 | Agents available 24 hours a day, 7 days a week! Whether you're stuck in bumper-to-bumper traffic in Austin, trying to connect in Houston, or just trying to make it around the Dallas/Fort Worth area, Texans rely heavily on personal cars for transportation. With a vehicle comes the responsibility of carrying auto insurance, as drivers are legally required to have minimum liability coverage. Every driver in Texas is looking to be protected, but doesn't want to overpay for their coverage. These are the top 10 cities in Texas with the cheapest car insurance options based on our state's most popular cities:
*Methodology of HelpInsure: Based on the most popular zip code in each county for each city, female drivers, married, 25-64 years old, average credit score, drive a car, drive more than 18,000 miles a year, you have not in the last 3 years causing an accident or receiving a speeding ticket.
As you can see, drivers in Lubbock, TX have it the best because their premiums are the lowest of all. Conversely, drivers in Houston, TX and Corpus Christi, TX can expect to pay a bit more than most metro areas in the Lone Star State. No matter where you live, drivers need coverage and can take advantage of several ways to save on their auto insurance premiums.
As we can see, residents of Lubbock, Austin, El Paso, Laredo, and Fort Worth, Texas enjoy some of the cheapest car insurance rates in the state, but which carriers offer the best prices in these cities? Whether you're looking to simply stay legal or get full coverage for your vehicle, take a closer look at the best insurance brands available for drivers:
Texas Car Insurance (coverage, Companies, & More)
Drivers may be surprised to learn that there are many ways to save on their auto insurance policies. Everything from safer driving for a learner to bundles and more are ways available for drivers to save more on their coverage. Not all discounts will work for your needs, but the good news is that there are many ways to qualify for auto insurance discounts and by talking to your agent, you are almost guaranteed to find a way to save. Take a look at some of the popular options for saving drivers in Texas:
Different brands of car insurance offer different discounts. You will also notice that different discounts apply to different areas of life. Either way, the team at TGS Insurance is ready to help you find the right discount for your car insurance, starting with a free quote today!
Your car insurance is there to protect you from the many dangers drivers face on the roads today. It can keep you out of legal trouble, protect against liability and restore losses after an accident, but that doesn't mean you have to pay extra for great coverage. At TGS Insurance, we believe in helping our customers find the best coverage for their needs at the lowest cost available.
Drivers in Texas save an average of $1,237 per year when they switch to TGS insurance. In comparison shopping your auto insurance policy among our top 35+ insurance providers, we can the
Carrier Information For Cheapest Auto Insurance
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