How Much are Auto Insurance Rates for Immigrants in Lubbock?

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Trying to buy cheap car insurance is tough enough, and finding out which companies quote the lowest-priced insurance rates for immigrants will take even more rate comparisons. Every insurance provider uses their own calculation for establishing rates, so first we will examine the insurance companies that tend to have lower prices in Lubbock.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,294
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,510
8 Mercury $1,521
9 Nationwide $1,553
10 Safe Auto $1,613
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,310
19 21st Century $2,396
20 Titan $2,646
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Travelers has some of the lowest car insurance rates in Lubbock at around $1,021 annually. This is $883 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the more affordable Lubbock, TX auto insurance companies.

As depicted above, if you currently have coverage with Esurance and switched to USAA, you could realize an annual savings of approximately $304. Drivers with California Casualty may save as much as $307 a year, and State Farm policyholders might cut rates by $393 a year.

Bear in mind that those estimates are averages across all types of insureds and vehicles and are not factoring in a vehicle location for immigrants. So the insurer that can offer you the lowest price may not even be in the list above. That emphasizes why you need to get quotes using your own driver data and vehicle information.

The type of vehicle driven is one of the largest considerations when comparison shopping for economical car insurance for immigrants. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models.

The table below showcases auto insurance costs for the most economical automobiles to insure in Texas.

Cheapest Vehicles to Insure in Lubbock, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,042
Ford Escape XLS 4WD $1,050
Jeep Wrangler Sport 4WD 2-Dr $1,073
Toyota Camry LE $1,125
Chevrolet Silverado LS Regular Cab 4WD $1,141
Ford F-150 XLT Crew Cab 2WD $1,165
Ford Focus SES 4-Dr Sedan $1,167
Honda Civic LX-S 4-Dr Sedan $1,174
Toyota Prius $1,189
Honda Odyssey EX $1,209
GMC Sierra SLE Extended Cab 4WD $1,219
Jeep Grand Cherokee SRT-8 4WD $1,209
Volkswagen Jetta SEL 4-Dr Sedan $1,219
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can impact premiums considerably.

Based upon the table data, we can assume that models like the Honda CR-V, Ford Escape, Jeep Wrangler, Toyota Camry, and Chevrolet Silverado are most likely to be a few of the cheaper vehicles to insure for foreigners.

Discounts on Lubbock car insurance

Insurance for foreigners in Lubbock, TXCar insurance companies that offer cheap quotes for immigrants may also offer price discounts that could reduce prices by as much as 40% or more if you are eligible to receive them. A few popular companies and their offered discounts are outlined below.

The information below shows the difference between yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, defensive driving course, safe-driver, homeowner, anti-theft, and accident-free discounts applied. With discounts applied, theamount saved on insurance for immigrants is 28% or $517.

Comparison of full coverage and liability-only policies

Saving money when shopping for insurance is the goal of the majority of vehicle owners, and an effective way to buy cheaper insurance for immigrants is to not pay for full coverage. The information below illustrates the comparison of auto insurance rates when comparing full coverage to liability only. The rates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied.

If averaged for all ages, comprehensive and collision coverage on your policy costs an extra $1,793 per year over and above liability only. That may make you wonder if buying full coverage is a good investment. There is no set guideline of when to phase out physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your vehicle's claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after you pay the deductible. If premiums are more than $200 annually for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

The information below shows how different deductible levels can affect insurance premiums when searching for cheap insurance for immigrants. The information is based on a married female driver, full coverage, and no other discounts are factored in.

The data above shows that a 40-year-old driver could lower their car insurance rates 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 drivers, like the 20-year-old example, could reduce their rates $646 or more by selecting a higher deductible.

If you make the decision to raise deductibles, it is important to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

The auto insurance agents in Lubbock shown below are a good start to provide answers to your questions and help you determine which car insurance policy is best, as many consumers aren't sure which coverage to buy and prefer to have professional advice when buying car insurance for immigrants. It's not always simple to find the cheapest car insurance policy, so professional agents can give you satisfaction knowing your coverage gives you decent coverage if you have a claim.

To locate a Lubbock insurance agent closest to you, click the button after the list.

Allstate Insurance Agent: Bill Eggar
10101 Quaker Ave - Lubbock, TX 79424 - (806) 792-5200

Jason Grisham - State FarmĀ® Insurance Agent
1102 Slide Rd, 33 - Lubbock, TX 79416 - (806) 793-3101

Ana Borrego - State Farm Insurance Agent
8001 Quaker Ave STE G - Lubbock, TX 79424 - (806) 745-2555

Allstate Insurance Agent: Doug Townsend
3901 84th St - Lubbock, TX 79423 - (806) 698-1611

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Tips to find economical auto insurance for immigrants

It is possible to find better rates, and here are some money-saving ideas that can help you get lower-cost car insurance.

That final tip is remarkably critical, as we noted in the article above. Auto insurance prices vary considerably, so drivers shouldn't hesitate to switch to a new company if you find a cheaper price. Brand loyalty is not necessarily bad, but we do not recommend it if that loyalty results in overpaying big bucks every year. If you have a few minutes, compare rates and find cheaper insurance for immigrants in Lubbock.