The words "affordable" and "insurance" really should not be used together, especially when looking for the cheapest auto insurance for inexperienced drivers. To save some money, let's introduce you to some situations that can significantly affect auto insurance premiums, and find out if we can help you cut the cost of the next policy you buy.
One of the many components that aid in calculating car insurance rates is where your residence is. Cities with larger populations tend to have higher rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The table below sorts the highest-priced areas in Texas for inexperienced drivers in which to buy car insurance. Lubbock is ranked #13 with a yearly premium of $1,733 for the average insured, which is about $144 per month.
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Information shown are comparative as specific Lubbock garaging address can revise prices noticeably.
The type of vehicle you are insuring is one of the main factors that determines whether or not you find cheap car insurance for inexperienced drivers. Vehicles with limited top-end speed, a great safety record, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.
The next list illustrates coverage costs for a handful of the more affordable automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$950|
|Honda CR-V EX-L 4WD||$969|
|Chevrolet Impala LS||$1,106|
|Honda Civic DX 4-Dr Sedan||$1,111|
|Nissan Altima 2.5 4-Dr Sedan||$1,125|
|Toyota RAV4 Sport 4WD||$1,131|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,141|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,147|
|Ford Escape Limited 4WD||$1,161|
|Ford Explorer XLT AWD||$1,165|
|Nissan Rogue S 2WD||$1,207|
|Chevrolet Equinox LTZ 2WD||$1,209|
|Jeep Grand Cherokee SRT-8 4WD||$1,216|
|Volkswagen Jetta SE 4-Dr Sedan||$1,209|
|Ford Edge SE AWD||$1,219|
|Ford F-150 STX Super Cab 4WD||$1,240|
|Honda Odyssey EX W/Rear Entertainment||$1,246|
|Dodge Grand Caravan SXT||$1,257|
|Chevrolet Malibu LS||$1,268|
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Prices above 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-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rate information does not factor in vehicle location which can affect rates considerably.
Looking at the numbers, vehicles like the Honda Accord, Honda CR-V, Chevrolet Impala, and Honda Civic will definitely be some of the cheapest vehicles to insure for new drivers.
The diagram below demonstrates how deductible levels can influence annual premium costs when quoting cheap insurance for inexperienced drivers. The premiums are based on a single female driver, comp and collision included, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could reduce rates by $422 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $634 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could save $1,074 or more by choosing a higher deductible.
When using a larger deductible, it will be important to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense associated with higher deductibles.
Careless driving habits raise Lubbock insurance rates
The best way to snag cheap insurance rates in Texas for new drivers is to drive cautiously and avoid tickets and accidents. The information below demonstrates how traffic citations and at-fault collisions can influence annual premium costs for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Lubbock per year with no accidents and a clean driving record is $2,297. Get two speeding tickets and the average cost hikes up to $3,101, an increase of $804 each year. Next add two accidents along with the two speeding tickets and the annual cost of insurance for inexperienced drivers increases to an average of $5,823. That's an increase of $3,526, or $294 per month, just for a couple of infractions!
Get discounts on Lubbock auto insurance rates
Insurance companies that provide policies for inexperienced drivers may also offer premium discounts that can reduce rates by as much as 25% or more if you meet specific eligibility requirements. Large insurance companies and a summarized list of policyholder discounts are:
- American Family offers premium reductions for Steer into Savings, air bags, multi-vehicle, good student, and accident-free.
- Nationwide has savings for defensive driving, easy pay, family plan, business or organization, and multi-policy.
- MetLife includes discounts for good student, multi-policy, claim-free, good driver, accident-free, defensive driver
- 21st Century offers discounts for early bird, driver training, anti-lock brakes, air bags, and automatic seat belts.
- Farmers Insurance discounts include teen driver, bundle discounts, pay in full, good student, homeowner, and switch companies.
- Allstate offers discounts including premier plus, safe driver, teenSMART discount, anti-lock brakes, utility vehicle, 55 and retired, and good payer.
The chart below visualizes the comparison of insurance rates with and without discounts applied to the premium. Data assumes a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, safe-driver, multiple vehicle, anti-theft, defensive driving course, and accident-free discounts applied. When drivers take advantage of discounts, theamount saved on insurance for inexperienced drivers is 28% or $524.
If you have questions and prefer to get some professional input when shopping for cheaper insurance for inexperienced drivers, the insurance agencies listed below can provide answers to your questions and help you determine which coverages and limits you need. To find a Lubbock insurance agent near you, click the button following the list or click here to compare rates now.
- Farmers Insurance
3206 34th St - Lubbock, TX 79410 - (806) 791-2892
- Rick Rosas - State Farm Insurance Agent
6102 82nd St #12b - Lubbock, TX 79424 - (806) 776-3276
- Farmers Insurance - Victor Rodriguez
2026 82nd St #103 - Lubbock, TX 79423 - (806) 783-0831
- The Shropshire Agency, Inc.
5812 66th St - Lubbock, TX 79424 - (806) 763-7311
- Grimes Insurance Agency Inc
1651 Broadway St - Lubbock, TX 79401 - (806) 762-0544
How to find budget-friendly car insurance for inexperienced drivers
The list below shows some of the recommended thrifty solutions that can help Texas drivers buy cheaper coverage.
- Prevent price hikes by avoiding at-fault accidents
- Claim-free drivers earn discounts
- Improve your credit
- Do not get traffic citations
- Buy vehicles with five-star safety ratings
- Compare prices frequently to find the best deal
That last idea is extremely crucial, as we discussed in this piece. Rates can change in a short period of time, so don't hesitate to switch to a new company if you can save money. Having a favorite company is great, but it's not a great idea if that loyalty ends up costing thousands of dollars over several years. In just a few minutes you could compare rates and find cheaper car insurance for inexperienced drivers in Lubbock.