What Car Insurance is Cheapest for Nurses in Lubbock?

The words “cheap” and “auto insurance” probably shouldn’t be used together, specifically when trying to find the cheapest car insurance for nurses. To save some money, let’s start off by going over a few of the things that significantly impact insurance prices, and come up with some ways to cut the cost of the next policy you buy.

Establishing which companies quote the cheapest auto insurance rates for nurses may require more time than just quoting one company’s rates. Every auto insurer has a unique approach to determine premium rates, so we will examine the auto insurance companies with the most affordable rates in Texas.

It’s important that you understand Texas auto insurance rates are impacted by many factors that will increase or decrease the cost of your policy. Getting older, moving to a new city, or getting caught speeding can cause premium changes that can cause some rates to be cheaper than competitors.

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,294
5 Esurance $1,407
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,476
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,775
14 GEICO $2,093
15 Home State $2,155
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,646
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Travelers may have some of the most affordable car insurance rates in Lubbock at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Lubbock, TX insurance companies.

In the rate table above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you might see savings of roughly $190. Customers with Germania Mutual may save as much as $273 a year, and Esurance policyholders might realize rate reductions of up to $386 a year.

Be aware that those policy prices are averaged for all drivers and vehicles in Texas and and are not figured with an exact vehicle garaging location for nurses. So the car insurance company that fits your needs best may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The vehicle model that is being insured is a large factor that determines if you can find the best cheap insurance for nurses. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of having liability claims will cost substantially less to insure than high performance models.

The data below illustrates insurance prices for a selection of the most affordable automobiles to insure in Texas.

Cheapest Vehicles to Insure in Lubbock, TX
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $890
Ford Escape XLS 2WD $999
Chevrolet Impala LS $1,033
Toyota RAV4 Limited 2WD $1,054
Jeep Grand Cherokee Laredo 4WD $1,060
Dodge Grand Caravan Crew $1,075
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,082
Chevrolet Malibu LT $1,075
Ford F-150 XLT Crew Cab 4WD $1,080
Toyota Prius $1,082
Ford Focus SES 4-Dr Sedan $1,089
Ford Fusion SE 4-Dr Sedan $1,130
Nissan Rogue SL 2WD $1,137
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,144
Dodge Ram Crew Cab TRX 2WD $1,151
Chevrolet Equinox LS AWD $1,181
Chevrolet Silverado Crew Cab Hybrid 2WD $1,186
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in Lubbock, TX location which can influence prices considerably.

Based upon the rates shown, you can assume that vehicles like the Honda CR-V, Ford Escape, and Chevrolet Impala are going to be some of the most budget-friendly vehicles to insure for health professionals.

Buying coverage from the best auto insurance company can be difficult considering how many choices drivers have in Lubbock. The company ratings listed below could help you decide which companies to look at putting your business with.

The ratings below only include companies that insure vehicles nationwide, so smaller companies are not factored into these rankings. To compare prices from many more Texas auto insurance companies, click here.

Top 10 Major Car Insurance Companies Overall in Lubbock

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Major Car Insurance Companies in Lubbock Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

How to get discounts on Lubbock auto insurance rates

Auto insurance for health professionals in Lubbock, TXInsurance companies that offer cheap quotes for nurses could also offer price discounts that can reduce rates by as much as 35% or more if you meet specific eligibility requirements. A few of the larger companies and a partial list of their discounts are included below.

The information below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, anti-theft, vehicle safety, claim-free, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for nurses is 28% or $570.

The benefit of shopping around

Texas auto insurance rates are influenced by many factors that will increase or decrease the policy price. Simply turning a year older, filing a claim, or having an accident can cause premium changes that may make certain companies more affordable than competitors. And not only may your rating factors change, but companies change rates every year or even multiple times each year in order to remain profitable. Higher than normal claim frequency or severity can result in additional price hikes, while lower claim levels may result in more affordable Lubbock car insurance rates.

To help illustrate this point, the data below shows which company has the cheapest car insurance in Lubbock, TX for a 35-year-old male driver with no prior claims, no tickets, and a good credit history. If we estimate rates based on his current situation, Travelers might offer the best car insurance rates in Lubbock at $1,201 each year. This is $703 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the best Lubbock, TX auto insurance companies.

Now let’s give the driver from the first set of rates a claim surcharge, poor credit, and a traffic citation. Since every insurance provider has a proprietary formula for filing rates in each state, getting updated rate quotes most likely will result in a slightly different list of the cheapest Lubbock car insurance companies as shown below.

State Farm now has the lowest price on auto insurance in Lubbock with Mercury, USAA, Nationwide, and Safe Auto also having competitive pricing. This example demonstrates why it is so important to perform an extensive rate comparison to find affordable insurance quotes for nurses. Car insurance prices are impacted by many things and change substantially, so the cheapest company the last time you checked may now be priced much higher than other options.

How to find the cheapest insurance for nurses

It’s not impossible to find cheaper rates, and here are some thrifty solutions that can help drivers get low-cost coverage.

The last suggestion is very vital, as we discussed in the prior information. Rates vary greatly, so don’t be unwilling to change insurance companies if a more affordable rate is found.

Brand loyalty is great, but we do not recommend it if it’s costing you money that could be used for better things. Spend a few minutes and compare rates to find cheaper insurance for nurses in Lubbock.

The insurance agencies below can probably aid you in deciding which coverages you need, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when comparing insurance rates for health professionals. It can be complicated to find the best policy yourself, and a professional agent can give peace of mind knowing you have decent coverage if you have a claim. To find an agent closest to you, click the button following the list or click here to get price quotes now.

Ashmore and Associates Insurance Agency, LLC
6102 82nd St #6Lubbock, TX 79424(806) 745-8358

Lubbock AllState Agent
2312 19th StLubbock, TX 79401(806) 412-1471

Tommy Reece – State Farm Insurance Agent
3114 50th StLubbock, TX 79413(806) 793-0646

Budget Insurance Agency
2508 Auburn StLubbock, TX 79415(806) 749-8600

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