Who Has Affordable Car Insurance Quotes for High Mileage Drivers in Lubbock?

The vehicle needing coverage is probably the most important factor when quoting the lowest-priced coverage for high mileage drivers. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost quite a bit less to insure than adrenaline junky models. The table below showcases coverage rates for a selection of the most cost-effective vehicles to insure in Texas.

Cheapest Vehicles to Insure in Lubbock, TX
Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 2WD $988
Honda Odyssey LX $1,059
Ford Explorer Eddie Bauer 2WD $1,081
Honda CR-V EX-L 4WD $1,121
Volkswagen Jetta 2.0T Station Wagon $1,135
Chevrolet Equinox LT AWD $1,143
Dodge Grand Caravan SXT $1,166
Ford Edge SE 2WD $1,203
Toyota Camry XLE $1,206
Toyota Prius $1,210
Kia Optima LX $1,225
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,250
Chevrolet Impala LT $1,252
Toyota RAV4 Limited 2WD $1,260
Hyundai Sonata SE 4-Dr Sedan $1,288
GMC Sierra SLE Regular Cab 2WD $1,292
Chevrolet Malibu LS $1,300
Toyota Camry Hybrid $1,310
Chevrolet Silverado LS Crew Cab 2WD $1,318
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,321
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Information does not factor in specific location information which can impact insurance rates greatly.

Looking at the rates, models like the Ford Escape, Honda Odyssey, Ford Explorer, Honda CR-V, and Volkswagen Jetta are most likely going to be the most economical vehicles to insure for high mileage drivers.

Finding dependable, budget car insurance is not most people’s favorite thing to do, and deciding which companies offer the cheapest car insurance rates for high mileage drivers will require even more work. Every insurance company has a proprietary formula to set policy rates, so we need to take a look at the car insurance companies that tend to have lower prices in Texas.

It’s a good idea to be aware that Lubbock car insurance rates are impacted by many factors which can significantly increase or decrease the cost of your policy. Events like a birthday, getting divorced, or having an at-fault accident may cause policy rate changes resulting in some rates now being higher-priced than before.

Cheapest Insurance Rates in Texas

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Travelers normally has some of the cheapest car insurance rates in Lubbock at around $1,021 per year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheapest Lubbock, TX auto insurance companies.

As shown in the table above, if you buy coverage from Germania Mutual and switched to USAA, you may see yearly savings of about $165. Drivers with Esurance may save as much as $248 a year, and California Casualty policyholders might reduce prices by as much as $307 a year.

To see if your current coverage is too expensive, click here to start your custom quote or visit any of the companies below.

Be aware that those rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for high mileage drivers. So the company that fits your age and vehicle best may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own driver information and specific vehicle type.

One of the more important components that are looked at to help calculate the amount you pay for auto insurance is where you choose to live. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas that tend to be more rural have the benefit of cheaper car insurance.

The illustration below ranks the highest-priced areas in Texas for high mileage drivers to purchase auto insurance in. Lubbock makes the list at #14 with an annual cost of $1,733 on average, which is about $144 monthly.

Car insurance prices in Lubbock
Rank City Annual Premium
1 McAllen $1,956
2 Laredo $1,907
3 Dallas $1,893
4 Brownsville $1,870
5 Houston $1,835
6 Grand Prairie $1,811
7 Amarillo $1,804
8 Pasadena $1,794
9 Garland $1,778
10 Irving $1,772
11 Beaumont $1,754
12 Mesquite $1,753
13 San Antonio $1,739
14 Lubbock $1,733
15 Arlington $1,709
16 Fort Worth $1,670
17 Carrollton $1,647
18 El Paso $1,616
19 Austin $1,610
20 Waco $1,584
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Information shown are approximated as the garaging address in Lubbock can revise insurance rates considerably.

Insuring your vehicle with the best car insurance provider can be rather challenging considering how many companies provide coverage in Lubbock. The company information below could help you pick which auto insurance companies to look at when trying to find cheaper insurance for high mileage drivers.

The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into this list. If you wish to compare rates from these top insurers and more, click here.

Lubbock, TX Car Insurance Company Rankings
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

The diagram below demonstrates how deductibles can raise or lower premium costs when getting quotes for cheap insurance for high mileage drivers. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower their policy premium by $352 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, can cut as much as $1,026 every year by selecting a higher deductible.

If you do decide to increase your deductibles, it will be required to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Here’s why you should compare rates often

Lubbock, TX car insurance rates are determined by lots of factors that may substantially change the policy price. Simply getting older, having a teenage driver, or having a fender bender can trigger price changes that may make certain companies more affordable than before.

Not only may your risk profile change, but insurance companies change premium rates as often as every three months to reflect underwriting profits or losses. Unexpectedly high claims can result in more expensive premiums, while a lower level of claims can cause lower-cost Lubbock car insurance rates.

For instance, the chart below shows the company with the cheapest car insurance in Lubbock, TX for a 30-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we compare prices based on his personal risk profile, Travelers quotes the best car insurance rates in Lubbock at $1,154 a year. This is $750 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the cheapest Lubbock, TX auto insurance companies.

The example below compares rates after we give the driver in the first chart a chargeable claim, less-than-perfect credit, and a blemish on his driving record. Since each insurance company uses their own calculation to set premium rates, comparing rates may now present a different set of affordable Lubbock car insurance companies as shown below.

Mercury now has the cheapest car insurance in Lubbock with State Farm, USAA, Nationwide, and Safe Auto now being in the top five. This example demonstrates why it is crucial to spend some time comparing rates when trying to find the most economical insurance quotes for high mileage drivers. Prices consist of many risk factors and can decrease or increase without notice, so the best company two years ago may now be quite expensive.

How to find low-cost auto insurance for high mileage drivers

The list below summarizes a few penny-pinching solutions that can help drivers quote cheap coverage.

That last idea is remarkably important, as was stressed in the prior article. Car insurance prices can be modified anytime, so don’t be unwilling to switch to a new company if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if your bullheadedness ends up costing you a small fortune year after year. It only take a few minutes to compare rates to find cheaper auto insurance for high mileage drivers in Lubbock.

The insurance agencies listed below are a good start to provide answers to your questions and help you determine which policy is best, since lots of people like to have some professional guidance when trying to find lower insurance rates for high mileage drivers. It’s not always easy to find the best coverage on your own, so getting professional guidance from a licensed agent can give satisfaction knowing you have sufficient coverage for your assets. To find a Lubbock insurance agency near you, click the button at the bottom of the list or click here to compare price quotes now.

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