Who Has Affordable Lubbock Auto Insurance Quotes After a Speeding Ticket?

Wouldn’t it be perfect if you could just magically know the one perfect company that has the cheapest insurance after a speeding ticket? Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns like the annual mileage you drive, the amount of liability coverage you want, and your credit history, that all have an effect on the price of a policy. We are going to cover some of these criteria and should give you a good start to your coverage search.

The vehicle model requiring insurance is a significant factor when comparing quotes for the best coverage after a speeding ticket. Vehicles with lots of horsepower, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than more economical and safe models.

The next list ranks auto insurance costs for the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Lubbock, TX
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,658
Ford Edge SE 2WD $1,665
Toyota Tacoma 4WD $1,700
Honda CR-V EX-L 4WD $1,707
Dodge Grand Caravan SE $1,700
Ford Explorer Eddie Bauer 2WD $1,709
Ford F-150 STX Regular Cab 2WD $1,777
Volkswagen Jetta SE 2.5 Station Wagon $1,787
Toyota RAV4 4WD $1,801
Jeep Grand Cherokee Laredo 2WD $1,808
Toyota Prius $1,805
Toyota Camry SE $1,901
Honda Odyssey Touring $1,933
Chevrolet Malibu LTZ $1,938
Chevrolet Impala LTZ $2,031
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Prices above based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in your specific Lubbock, TX location which can revise insurance rates significantly.

Based upon the table data, we can tell that cars like the Ford Escape, Ford Edge, Toyota Tacoma, Honda CR-V, and Dodge Grand Caravan are most likely to be the cheaper vehicles to insure after a few driving violations.

Buying budget insurance is not easy, and finding out which company has the cheapest car insurance rates after a speeding ticket will take even more shopping around. Each insurer has a proprietary formula to determine rates, so we’ll take a look at the car insurance companies that tend to be cheaper in Lubbock.

It’s important that you understand Lubbock, TX car insurance rates are impacted by many factors which can substantially decrease or increase the policy premium. This price variation is why drivers need to do a thorough rate comparison when trying to get the best car insurance quotes after a speeding ticket. Rates are determined by many different factors and change substantially, so the best price the last time you compared rates may now be costing you a lot of money.

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 California Casualty $1,396
6 Esurance $1,407
7 State Farm $1,465
8 Mercury $1,521
9 Nationwide $1,585
10 Safe Auto $1,597
11 Progressive $1,715
12 Allstate $1,718
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,093
16 MetLife $2,161
17 Unitrin $2,264
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,568
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Travelers offers some of the most affordable car insurance rates in Lubbock at around $1,010 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the more affordable Lubbock, TX insurance companies.

As shown in the table above, if you are insured with California Casualty and switched to USAA, you might achieve an annual savings of upwards of $268. Customers with Esurance could save as much as $279 a year, and State Farm insureds might reduce rates by $337 a year.

To find cheaper insurance rates for your vehicle, click here or quote prices from the following companies.

It’s important to note that these rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location after a speeding ticket. So the auto insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

The information below demonstrates how choosing different deductibles can impact insurance costs when searching for cheap insurance after a speeding ticket. The rate quotes are based on a married female driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their policy premium by $260 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $394 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save up to $646 annually by choosing a higher deductible. If you do decide to increase your deductibles, it is necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Choosing the best company can be difficult considering how many different companies sell coverage in Texas. The company ratings shown next may help you pick which car insurance companies to look at comparing prices from.

These ratings only include the largest companies in the United States, so companies with more of a regional focus are not factored into the list. If you would like to check rates from these top insurers and more, just click here.

Best Car Insurance Companies After a Speeding Ticket in Lubbock
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
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

How to find cheaper auto insurance after a speeding ticket

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving solutions that can help you quote cheaper car insurance.

The last tip is certainly important, as we emphasized in this piece. Coverage rates can be modified anytime, so don’t be afraid to buy from a different company if a lower price can be found. We understand brand loyalty, but it isn’t a good idea if that devotion results in you overpaying a wad of cash every year. In just a couple of minutes you could compare prices to find cheaper insurance after a speeding ticket in Lubbock.