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Cheap Car Insurance Quotes In Texas, United States

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Cheap Car Insurance Quotes In Texas, United States
Cheap Car Insurance Quotes In Texas, United States

Fred Loya had the cheapest minimum coverage policies based on our analysis of the top auto insurance companies in Lubbock, with an average cost of $505 per year. The company offers great rates for comprehensive coverage as low as $905 per year.

In general, rates in Lubbock are lower than the Texas average. The nine insurers in our study charged Lubbock $810 annually for minimum coverage — $116 less than the statewide average of $926.

Always get quotes from multiple insurers. MetLife, the most expensive insurance company, charged our Lubbock driver $3,790 more than Fred Loy for the same coverage.

Average Car Insurance Costs For 19 Year Olds

Fred Loya had good rates for minimum coverage. Lubbock drivers pay as much as $42 a month for a Freda Loya policy that meets Texas' minimum auto insurance requirements.

However, "Saugas" comes in second with a cost of just $46 per month. We recommend getting quotes from both companies before purchasing a policy.

Car insurance under $50 a month may seem like a lot, but keep in mind that the coverage it offers is very limited. Minimum insurance does not protect your own vehicle, so if you collide with another driver or your vehicle is stolen, you are fully responsible for repairing or replacing it.

Fred Loya also had an excellent offer for comprehensive insurance. In most cases, USAA has the most affordable coverage, but Fred Loya stands out as the most widely available insurance company offering lower rates than USAA. Full coverage is only $905 a year. The average cost of comprehensive coverage in Lubbock is $2,612 per year, so Lubbock drivers save more than $1,700 annually with Fred Loya.

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Cheapest Full Coverage Auto Insurance

Although Fred Loya has the best prices, we encourage you to contact State Farm and Geico for quotes. Both companies have better reputations for customer service than Loya, whose cheap prices mask an inferior customer experience.

Comprehensive coverage is recommended for most drivers, but especially for drivers with a new or expensive car. Comprehensive coverage includes collision and comprehensive coverage.

Insurers get higher rates from insurers for drivers who have incidents on their record — such as at-fault accidents, speeding tickets or DUIs. Drivers with low credit scores are quoted higher rates even though your credit score does not affect your ability to drive safely.

We've looked at thousands of quotes in Lubbock and found the best rates for drivers with the following records:

Texas Online Car Insurance: Quotes

Fred Loya and State Farm Lubbock not only offer great rates to drivers with at-fault accidents on their record, they also offer minimal rate increases after at-fault accidents. Fred Loya raised bids from $218 to $905 to $1,123. State Farm increased the rate by 223 dollars - from 1,238 to 1,461 dollars.

Overall, average rates for Lubbock residents increased by $1,480 after a single at-fault accident. Insurers see a car accident as an indication of future risk and will raise your rates to account for that risk.

Lubbock drivers with speeding tickets pay an average of $193 more per year than drivers with clean records. Fred Loya and State Farm once again provided great value for the fast drivers. Neither company raised fares, and both charged significantly less than the city average; Rates are 68% and 56% lower respectively.

Fred Loy had the best DUI drivers, 66% below the city average.

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Cheap Car Insurance In Texas 2019

Driving under the influence (DUI) charges in Lubbock increase the average rates from $2,612 to $4,430. This is the largest increase of any incident in our study, showing how seriously insurers take DUIs.

Fred Loya has very affordable comprehensive coverage for Lubbock drivers with bad credit. In fact, the company charged our sample drivers the same rate -- $905 a year -- regardless of whether they had good, average or bad credit.

However, this is an unusual approach. Most insurers will increase your rates if you have a low credit score, as they see this as a sign of increased risk. Average Cost of Comprehensive Insurance in Lubbock:

Fred Loya had the best rates for married drivers in Lubbock. Annual premiums average $741, which is 69% cheaper than the city average. Married drivers in Lubbock pay an average of $2,381 a year — $231 less than single drivers.

A Max Auto Insurance Reviews, Coverage And Cost (2022)

Fred Loya had the best rates for the sample of 18-year-old drivers in our study. While $3,068 a year for car insurance may not seem like much, it's cheaper than the city average of $6,740 a year.

The average rates for our sample of 18-year-old Lubbock drivers were 158% higher than the average rates for our sample of 30-year-old Lubbock drivers.

Given these sky-high rates, we encourage young drivers to stay on their parents' insurance if possible. Alternatively, they can lower 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 with a high accident or crime rate, you will pay more than someone who lives in a zip code where accidents are low and crime is rare.

Car Insurance Costs For 50 Year Olds (and Those Over 50)

Our analysis found that 79411 is the most expensive zip code in Lubbock for auto insurance, while 79424 is the cheapest.

About five cars are stolen for every 1,000 residents in Lubbock. According to a 2019 analysis of crime data, the city ranks fourth in Texas for aggravated burglary.

VauePenguin has collected auto insurance quotes from nine of the largest insurance companies in Texas. Unless otherwise noted, our sample driver was a 30-year-old male with an average score driving a 2015 Honda Civic EX.

The analysis used insurance rate data from Quadrant Information Services. These rates are obtained from publicly available insurer records and are for comparison purposes only. Your own rates may vary based on your driving history, credit score, and other factors unique to you.

Shop Car Insurance: Compare Online Rates (2022)

To get an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! The cheapest car insurance in Dallas, TX is State Farm, which offers minimal coverage for an average of $57 per month.

Dallas is the third most populous city in Texas, so drivers often pay more for car insurance. The average minimum coverage rate in Texas is $926 a year, while drivers in Dallas pay $215 more — an average of $1,141.

Rates vary significantly from driver to driver, depending on factors such as your credit score and driving history. Make sure you get quotes from at least three insurers.

The cheapest price comes from State Farm, which charges Dallas drivers an average of $680 per year. That's $461 less than the city average of $1,141. Fred Loya came in second, only $47 more per year, or about $4 more per month. Nationwide offered relatively affordable minimum coverage at $1,045 a year or $87 a month.

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The Cheapest Home Insurance Companies & Quotes For 2022

From a cost perspective, a minimum coverage policy may seem attractive, but keep in mind that lower rates come with lower coverage. If you are involved in an accident, you are fully financially responsible for repairing your own vehicle and paying for medical services.

Fred Loya has the cheapest comprehensive coverage rates in Dallas according to our quote analysis. The average cost of comprehensive insurance in Dallas is $3,111, but Fred Loya charges policyholders nearly 60% less — just $1,247 a year, or $104 a month.

If you're a Dallas driver looking for affordable comprehensive coverage, be sure to get quotes from State Farm and Geico. Both charge more than Fred Loya, but they have a better reputation for customer service.

Military personnel and their family members should call USAA for a referral. At $1,464 a year, USAA had the second cheapest comprehensive insurance among the nine companies in our study.

How Much Does Car Insurance Cost On Average?

While minimum insurance only covers damage or injury to the other driver, comprehensive insurance ensures that your vehicle is protected as well. This includes collision and comprehensive coverage.

Insurers increase premiums for drivers they consider higher risk. Factors that increase your risk rating include an accident, accident or speeding ticket, and a poor credit rating.

Fred Loya, State Farm and Geico offer cheap auto insurance for Dallas drivers involved in at-fault accidents.

Fred Loya offered the cheapest rates overall, while State Farm raised the lowest rates. Rates for a driver involved in an at-fault accident are only $270 more per year than a driver with a clean record. The average rate for all insurers in our study rose by $1,791 after an at-fault accident — a 58% jump.

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Speeding tickets increased the average cost of insurance in Dallas by $228 — no more than the increase after an at-fault accident ($1,791) or an accident ($2,201).

Overall, these insurers cost 43% less than the average cost of insurance for drivers with speeding tickets, which is $3,339.

Insurance from MetLife, the most expensive insurer in our study, costs $4,486 more than insurance from Fred Loy.

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