Who Has Affordable Auto Insurance Rates for Teenage Females in Lubbock?

This would be a really short article if we could just give you the name of the one best company that has the best auto insurance prices in Texas. It’s just not that easy, however, as there are many unknown factors like your annual mileage driven, whether you are single or married, and how old you are. This article covers the different ways to avoid overpaying and will hopefully give you a good start in finding the cheapest insurance in Texas.

Deciding which company offers the cheapest car insurance rates for teenage females takes a tad more effort in order to find the lowest price. Each insurer has a proprietary formula to determine premium rates, so let’s rank the car insurance companies that tend to have lower prices in Lubbock, TX.

Keep in mind that Texas car insurance rates are based on many factors that control your annual premium. Simply having another birthday, increasing liability limits, or getting into an accident can trigger rate changes resulting in some companies being cheaper than competitors.

Lowest Insurance Price Quotes for Teens

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,465
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,597
11 Allstate $1,650
12 Progressive $1,715
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,093
16 MetLife $2,249
17 Encompass $2,301
18 Unitrin $2,333
19 21st Century $2,396
20 Titan $2,568
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Travelers offers some of the cheapest car insurance rates in Lubbock at around $1,041 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the lowest-priced Lubbock, TX car insurance companies.

As the rates illustrate above, if you are insured with Germania Mutual and switched to Travelers, you could earn yearly savings of in the vicinity of $253. Texas drivers with Esurance might save as much as $338 a year, and California Casualty policyholders might see rate reductions of $355 a year.

These premiums are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for teenage females. So the insurer that fits you best may not even be in the top 23 companies in the list above. That point stresses why you need to get rate quotes using your own driver information and specific vehicle type.

For teen girls, one of the big components that are looked at to determine the price you pay for insurance is where you live. Areas with more people or higher crime rates will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The next table lists the priciest cities in Texas for teenage females to purchase a policy in. Lubbock is listed at #14 with the annual price of $1,716 for the average insurance policy, which is about $143 each month.

How much does car insurance cost in Lubbock, TX?
Rank City Premium Per Year
1 McAllen $2,016
2 Dallas $1,911
3 Houston $1,909
4 Laredo $1,889
5 Amarillo $1,858
6 Brownsville $1,851
7 Pasadena $1,812
8 Garland $1,778
9 Mesquite $1,753
10 Grand Prairie $1,740
11 San Antonio $1,739
12 Irving $1,736
13 Beaumont $1,720
14 Lubbock $1,716
15 Arlington $1,709
16 Fort Worth $1,670
17 Austin $1,659
18 Carrollton $1,647
19 Corpus Christi $1,620
20 El Paso $1,584
21 Waco $1,569
22 McKinney $1,561
23 Plano $1,560
24 Abilene $1,515
25 Killeen $1,488
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Premium amounts are estimated as the garaging address in Lubbock can raise or lower premiums significantly.

Which car insurance company is best in Texas?

Ending up with a highly-rated car insurance provider can be a challenge considering how many companies there are in Lubbock. The ranking data in the next section could help you decide which insurers you want to consider purchasing coverage from. The rankings below are only made up of the largest companies in the United States, so companies that have a smaller presence are not included in the list.

Top 10 Large Auto Insurance Providers Overall in Lubbock

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

How to get discounts on Lubbock insurance rates

Discounts on car insurance for teenage femalesInsurance companies that offer coverage for teenage females may additionally offer discounts that could lower prices by 30% or more if you are eligible. Companies and their possible discounts include:

The chart below illustrates the difference between car insurance rates with and without policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with continuous coverage, passive restraint, anti-theft, vehicle safety, paperless filing, and paid-in-full discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for teenage females is 28% or $726.

Cost difference between full coverage and liability

Paying less for car insurance is probably important to the majority of people, and one good way to pay lower rates for insurance for teenage females is to buy liability only. The illustration below illustrates the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The prices are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.

If the expense is averaged for all age categories, full coverage costs an additional $2,000 per year more than just insuring for liability. That amount may make you wonder when is the right time to remove full coverage. There is no set guideline to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying your deductible. If it’s costing you more than $400 annually for physical damage coverage, then you might want to consider buying only liability coverage.

Your cheap policy may actually be overpriced

Lubbock, TX car insurance rates are determined by lots of factors that can increase the cost of your policy. Turning one year older, marrying your spouse, or getting a driving violation can trigger price changes that can now make some companies cheaper than others. And not only may your rating factors change, but insurers file new Texas auto insurance rates multiple times each year to reflect underwriting profits or losses. A period of increased losses can result in more expensive premiums, while a profitable period may cause cheaper Lubbock car insurance rates.

To illustrate this point, the chart below shows which companies have the cheapest car insurance in Lubbock, TX for a 30-year-old female driver with no prior accidents, a clean driving record, and good credit. When quoting prices based on her current situation, Travelers may have the best car insurance rates in Lubbock at $1,142 each year. This is $762 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the top five cheapest Lubbock, TX auto insurance companies.

Now we will pretend the driver from the first example a chargeable accident, less-than-perfect credit, and a couple of points charged on her driving record. Since each insurance company has a unique approach for establishing rates, comparing prices may now result in a slightly different list of the cheapest car insurance companies in Lubbock as shown below.

State Farm now has the cheapest auto insurance in Lubbock, TX with USAA, Mercury, Safe Auto, and Nationwide now rounding out the top five. This illustrates why it is important to shop around when trying to find cheap insurance quotes for teenage females.

Insurance rates consist of many different factors and can decrease or increase without notice, so the lowest-price company the last time you shopped around may now be one of the more expensive options.