What Car Insurance is Cheapest for 4x4 Vehicles in Lubbock?

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For off-road vehicles, one of the largest considerations that are looked at to determine car insurance rates is where your residence is in Lubbock. Areas with more people or more claims tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The illustration below shows the highest-priced places in Texas for 4x4 vehicles in which to purchase auto insurance. Lubbock is listed at #16 with an annual cost of $1,665 for the average policy, which is about $139 monthly.

Car insurance prices in Lubbock
Rank City Premium Per Year
1 McAllen $1,956
2 Dallas $1,893
3 Houston $1,891
4 Brownsville $1,870
5 Garland $1,850
6 Laredo $1,833
7 Mesquite $1,825
8 Amarillo $1,804
9 Irving $1,772
10 Grand Prairie $1,757
11 Pasadena $1,740
12 San Antonio $1,722
13 Arlington $1,709
14 Beaumont $1,702
15 Austin $1,676
16 Lubbock $1,665
17 Fort Worth $1,653
18 Corpus Christi $1,636
19 El Paso $1,632
20 McKinney $1,609
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Rates are comparative as the specific garaging location can alter rates significantly.

Finding decent, cost effective insurance is not most people's favorite thing to do, and figuring out which company quotes the most affordable car insurance rates for 4x4 vehicles requires a little more work.

Each insurance company uses their own calculation to determine rates, so let's rank the car insurance companies with the most affordable rates in Lubbock. It's important to understand that Texas car insurance rates are impacted by many factors which can significantly increase or decrease the price of your policy. Turning one year older, moving across town, or getting a DUI can trigger rate changes that may make certain companies more expensive than competitors.

Best Insurance Companies for 4x4's

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,095
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,244
5 Esurance $1,365
6 California Casualty $1,424
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,565
10 Nationwide $1,585
11 Progressive $1,647
12 Allstate $1,650
13 Amica $1,775
14 Home State $2,092
15 GEICO $2,135
16 MetLife $2,183
17 Unitrin $2,241
18 Encompass $2,301
19 21st Century $2,396
20 Titan $2,646
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Travelers generally has some of the cheapest car insurance rates in Lubbock at around $1,021 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Lubbock, TX auto insurance companies.

In the above rates, if you buy coverage from Texas Farm Bureau and switched to Travelers, you may see yearly savings of upwards of $214. Drivers with Germania Mutual might save as much as $223 a year, and Esurance insureds might realize rate reductions of up to $344 a year.

Bear in mind that those premiums are averages for all drivers and vehicles in Texas and are not factoring in a vehicle location for 4x4 vehicles. So the auto insurance company that is best for you may not even be in the list above. That emphasizes why you need to get car insurance quotes using your own individual information.

The make and model of vehicle that is being insured is a large consideration when shopping for the most economical insurance for 4x4 vehicles. Vehicles with average performance, a plethora of safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models.

The next list features insurance costs for some of the most cost-effective automobiles to insure in Texas.

Cheapest Vehicles to Insure in Lubbock, TX
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,033
Honda CR-V LX 4WD $1,131
Toyota Prius $1,145
Ford Escape Limited 4WD $1,229
Hyundai Elantra SE Touring Station Wagon $1,262
Dodge Grand Caravan CV $1,269
Ford Explorer XLT AWD $1,262
Ford F-150 XLT Regular Cab 2WD $1,284
Toyota Corolla LE $1,289
Toyota Tacoma X-Runner 2WD $1,296
Chevrolet Impala LS $1,310
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,312
Nissan Altima Hybrid 4-Dr Sedan $1,320
Chevrolet Malibu LS $1,335
Ford Edge SEL 2WD $1,349
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,369
Nissan Rogue SL AWD $1,374
Toyota RAV4 Limited 2WD $1,378
Volkswagen Jetta S 4-Dr Sedan $1,384
GMC Sierra SL Extended Cab 2WD $1,378
Chevrolet Equinox LS 2WD $1,387
Jeep Grand Cherokee Limited 2WD $1,436
Dodge Ram Quad Cab SLT 4WD $1,456
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific zip code location which can revise premium rates significantly.

Based upon these rates, you can conclude that cars like the Honda Accord, Honda CR-V, and Toyota Prius will be a few of the more affordable vehicles to insure for off-road vehicles.

The illustration below illustrates how your choice of deductibles can raise or lower insurance rates when researching cheap insurance for 4x4 vehicles. The information is based on a single male driver, comp and collision included, and no discounts are applied to the premium.

As shown above, a 50-year-old driver could pocket $440 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $660 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could roll back prices as much as $1,446 annually by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it is essential to have enough spare savings to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Safe drivers Lubbock pay cheaper rates

The ideal way to find low car insurance premiums for off-road vehicles is to be a careful driver and maintain a clean driving record. The diagram below demonstrates how traffic citations and accident claims increase insurance prices for each age group. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the prior example, the average cost of auto insurance per year with no violations or accidents is $2,131. Get two speeding tickets and the average cost increases to $2,807, an increase of $677 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for 4x4 vehicles increases to an average of $5,653. That's an increase of $3,522, or $294 per month, just for not maintaining a clean driving record!

Full coverage versus liability only rates

Finding cheaper car insurance should be important to the majority of people, and one of the easiest ways to buy cheap insurance for 4x4 vehicles is to not insure for full coverage. The diagram below shows the difference between annual premium costs when comparing full coverage to liability only. The premiums assume no accidents or driving violations, $100 deductibles, marital status is single, and no additional discounts are factored in.

As an overall average, full coverage on your policy costs an extra $2,181 per year over having just liability coverage. That is a big expense that brings up the question when is it a good idea to stop buying full coverage. There is no definitive formula to delete full coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's say your vehicle's settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where dropping physical damage coverage is not advised. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Low rates today, overpriced tomorrow

Lubbock, TX car insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Turning one year older, marrying your spouse, or having an at-fault accident can produce rate changes that may make certain companies cheaper than before.

Not only that, but auto insurance companies file new Texas car insurance rates as often as every quarter in order to be able to pay unexpected claims. An unexpected high level of claims may result in high rates, while a better claims history can produce cheaper Lubbock car insurance rates.

To illustrate this example, the data below analyzes the cheapest car insurance in Lubbock, TX for a 40-year-old female driver with no accidents or violations, and a good credit history. When comparing rates based on her personal risk profile, Travelers has the cheapest car insurance rates in Lubbock at $1,192 per year. This is $712 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance round out the rest of the top five cheapest Lubbock, TX auto insurance companies.

In the next rate comparison, we'll give the driver from the first rate comparison an accident claim, less-than-perfect credit, and a traffic citation. Because each company has their own process for determining prices, analyzing rates will most likely result in a significantly different list of the cheapest Lubbock car insurance companies as shown below.

State Farm now has the best insurance rate in Lubbock, TX with Mercury, USAA, Nationwide, and Safe Auto now being in the top five. This example demonstrates why Lubbock drivers need to compare as many rates as possible when trying to find affordable auto insurance rates for 4x4 vehicles. Insurance rates are made up of many things and can increase or decrease at any time, so the cheapest company the last time you compared rates may now be wasting a lot of money.