One of the many criteria that are looked at to determine the annual cost of car insurance is the neighborhood you call home in Lubbock. More populated areas tend to have more expensive car insurance rates, whereas areas with less congestion benefit from lower prices.
The table below ranks the most expensive cities in Texas for drivers with a DUI to purchase car insurance in. Lubbock shows up at #14 costing $1,716 for coverage, which is around $143 monthly.
|Rank||City||Average Per Year|
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Table data uses approximated as the garaging address in Lubbock can affect premium rates substantially.
Finding dependable, low-cost auto insurance is not always easy, and deciding which company has the cheapest insurance rates for drivers with a DUI involves a little more work.
Every car insurance company uses their own calculation to determine premium rates, so let’s rank the most competitive insurance companies in Lubbock, TX.
Cheap Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers normally has some of the lowest car insurance rates in Lubbock at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheapest Lubbock, TX auto insurance companies.
In the rate table above, if you are currently insured with Germania Mutual and switched to Travelers, you may realize an annual premium reduction of in the vicinity of $203. Insureds with Esurance might save as much as $324 a year, and California Casualty policyholders might reduce prices by as much as $383 a year.
If you want to see how much you could save, click here to start your custom quote or quote rates from the companies below.
Remember that these policy rates are averaged across all drivers and vehicles and and are not figured with a specific location for drivers with a DUI. So the auto insurance company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That is why you need to get car insurance quotes using your own driver data and vehicle information.
The vehicle model you are trying to insure is a significant factor when shopping around for economical auto insurance for drivers with a DUI. Vehicles with limited speed and performance, a great safety record, or a low likelihood of having liability claims will cost significantly less to insure than higher performance models. The table below estimates coverage costs for some of the cheapest automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport 4WD 2-Dr||$1,542|
|Honda CR-V LX 2WD||$1,598|
|Honda Accord LX 4-Dr Sedan||$1,604|
|Ford Escape Limited 4WD||$1,635|
|Ford Edge SE AWD||$1,741|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,767|
|Chevrolet Equinox LT AWD||$1,773|
|Dodge Grand Caravan SE||$1,785|
|Ford F-150 STX Regular Cab 2WD||$1,797|
|Honda Odyssey LX||$1,807|
|Chevrolet Impala LS||$1,857|
|Toyota Camry LE||$1,894|
|Chevrolet Silverado LS Extended Cab 4WD||$1,900|
|Jeep Grand Cherokee SRT-8 4WD||$1,905|
|Nissan Altima Hybrid 4-Dr Sedan||$1,914|
|Toyota RAV4 Sport 2WD||$1,935|
|Honda Civic LX-S 4-Dr Sedan||$1,963|
|Chevrolet Malibu LT||$1,977|
|Toyota Tacoma Double Cab 4WD||$1,983|
|Ford Explorer Limited 2WD||$1,977|
|Ford Focus SES 2-Dr Coupe||$1,998|
|Nissan Rogue S 2WD||$2,028|
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Table data represents 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. Prices do not factor in your specific Lubbock, TX location which can change coverage prices considerably.
Looking at the rates, makes and models like the Jeep Wrangler, Honda CR-V, and Honda Accord will definitely be a few of the more affordable vehicles to insure after getting a DUI. Prices will tend to be more expensive just due to the fact that there is more liability risk for drivers with a DUI, but generally speaking those particular models will have the best insurance prices compared to other vehicles.
Buying coverage from the highest-rated car insurance provider can be difficult considering how many companies there are in Texas. The ranking information shown next can help you decide which companies you want to consider purchasing coverage from.
These rankings are only comprised of large, nationwide insurance companies, so companies with more of a regional focus are not factored into these rankings. To get rate quotes from these and other top-rated companies, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Does it make sense to buy full coverage?
Buying cheaper insurance is the goal of most people, and one great way to save on the cost of insurance for drivers with a DUI is to buy only liability coverage. The chart below illustrates the comparison of car insurance rates with full physical damage coverage and with liability coverage only. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
As an average, comp and collision coverage costs $2,922 per year more than buying just liability insurance. That is a significant amount which raises the question when is the right time to remove full coverage. There is no set rule to stop paying for physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your vehicle’s settlement value is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,500 after the deductible is paid. If you are currently paying more than $750 a year to have full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
How to get discounts on Lubbock insurance
Insurance providers that provide coverage for drivers with a DUI may additionally offer premium discounts that could potentially reduce rates by as much as 30% if you are eligible. Companies and a selection of discounts are shown below.
- Progressive discounts include continuous coverage, online quote discount, homeowner, online signing, and multi-vehicle.
- AAA may have discounts that include multi-car, good student, multi-policy, good driver, anti-theft, pay-in-full, and education and occupation.
- Farmers Insurance has discounts for multi-car, good student, early shopping, youthful driver, and business and professional.
- GEICO offers discounts including seat belt use, driver training, anti-theft, membership and employees, air bags, and five-year accident-free.
- Esurance offers premium reductions for anti-lock brakes, claim free, online quote, Switch & Save, defensive driver, emergency road assistance, and renters.
- SAFECO offers discounts for multi-car, bundle discounts, anti-theft, drive less, anti-lock brakes, homeowner, and teen safety rewards.
- State Farm policyholders can earn discounts including passive restraint, accident-free, multiple autos, good student, good driver, Drive Safe & Save, and driver’s education.
The example below visualizes the comparison of insurance rates with and without discounts being applied to the rates. The prices are based on a male driver, three violations and no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, multiple policy, paperless filing, anti-theft, and continuous coverage discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for drivers with a DUI is 28% or $1,262.
How to find budget-friendly insurance for drivers with a DUI
It is possible to find better rates, and here are a few money-saving solutions that can help Lubbock drivers find cheaper auto insurance.
- Save money by only buying liability coverage for older vehicles
- Save money by insuring your home and auto with the same company
- Good credit can save money
- Raise physical damage deductibles
- Vehicles with safetly features generally cost less to insure
- Claim-free drivers earn discounts
- Ensure you have the best deal by shopping around regularly
The last item on the list is extremely valuable, as was discussed in the article above. Rates vary greatly, so don’t be unwilling to buy a policy from a new company if a more affordable price is available.
Having a favorite company is fine, but it isn’t a good idea if that faithfulness ends up costing you a considerable chunk of change every month. Now is a great time to shop around to find cheaper auto insurance for drivers with a DUI in Lubbock.
If you like to get some help when comparing insurance rates for drivers with a DUI, the agents below are willing to provide answers to your questions and help you determine which insurance coverage you need. To locate an agency by location nearest to you, click the link after the list or click here to compare prices now.
Kevin Watson – State Farm Insurance Agent
13033 Quaker Ave SUITE B – Lubbock, TX 79423 – (806) 797-3329
Allstate Insurance Agent: Patrick Bailey
6701 Aberdeen Ave Ste 2 – Lubbock, TX 79424 – (806) 798-1340
Zuniga Insurance Agency
1407 19th St – Lubbock, TX 79401 – (806) 702-4918
Cam Fannin Insurance
1810 50th St – Lubbock, TX 79412 – (806) 747-4422
Texas Insurance Partners
Bldg. 2, 7021 Kewanee Avenue #102 – Lubbock, TX 79424 – (806) 771-9692