How Much are Car Insurance Rates for a 20 Year Old Female in Lubbock?

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You have probably watched the ads from companies like Farmers and State Farm that promise dirt cheap rates. So you just need to pick the company with the catchiest ad, right?

It's just not that simple, as there are a ton of unknown factors such as how well you maintain your credit, if you are a homeowner, and if you are married, that all influence how much you pay for auto insurance. This article will discuss these factors and others that can influence the price of auto insurance and will hopefully give you a solid foundation to find cheaper car insurance.

Establishing which companies offer the most affordable auto insurance rates for 20 year old women will involve more work in order to find the best price. Every insurance company uses a little different formula to set their prices, so we'll go over the most affordable auto insurance companies in Texas.

It's a good idea to be aware that Texas auto insurance rates are based on many factors that may substantially change the cost of coverage. Simply improving your credit, getting divorced, or getting a reckless driving citation can trigger price changes that may make certain companies more affordable than competitors.

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,396
7 State Farm $1,465
8 Mercury $1,506
9 Nationwide $1,553
10 Safe Auto $1,613
11 Progressive $1,698
12 Amica $1,705
13 Allstate $1,718
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,161
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,594
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Travelers quotes some of the best car insurance rates in Lubbock at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheaper Lubbock, TX insurance companies.

As shown in the rates above, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you might see annual savings of approximately $237. Customers with Germania Mutual may save as much as $284 a year, and Esurance insureds might realize rate reductions of up to $369 a year.

Bear in mind that those policy rates are averaged across all drivers and vehicles in Texas and and are not figured with a specific zip code for 20 year old women. So the car insurance company that can offer you the best rate may not even be in the top 23 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

The vehicle model requiring insurance is one of the biggest factors when comparing quotes for low-cost coverage for 20 year old women. Vehicles with high performance engines, poor safety ratings, or high incidents of liability claims will cost quite a bit more to insure than safer models.

The next table estimates auto insurance prices for the most economical vehicles to insure in Texas.

Cheapest Vehicles to Insure in Lubbock, TX
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,235
Ford Escape XLT 2WD $2,244
Honda Accord EX-L 4-Dr Sedan $2,414
Volkswagen Jetta S 2.5 Station Wagon $2,419
Hyundai Elantra SE Touring Station Wagon $2,414
Toyota Prius $2,448
Ford Explorer Eddie Bauer 2WD $2,510
Honda Odyssey EX $2,620
Toyota RAV4 Sport 4WD $2,654
Toyota Camry LE $2,664
Chevrolet Equinox LT AWD $2,654
Chevrolet Impala LT $2,662
GMC Sierra SLE Crew Cab 2WD $2,654
Dodge Grand Caravan Crew $2,688
Chevrolet Malibu LT $2,695
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,688
Jeep Wrangler Unlimited Sport 2WD 4-Dr $2,727
Ford Focus SEL 4-Dr Sedan $2,761
Ford Edge Limited AWD $2,796
Toyota Corolla XLE $2,803
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location which can lower or raise price quotes greatly.

Looking at the data, we can tell that vehicles like the Honda CR-V, Ford Escape, Honda Accord, and Volkswagen Jetta will definitely be some of the less-costly vehicles to insure for young women. Car insurance rates will be higher anyway just due to the fact that there is more claim risk for 20 year old women, but generally speaking those makes and models will have the cheapest rates that you are likely to find.

For young women, one of the more important things that are used to help calculate the cost of insurance is where you choose to live in Lubbock. Cities with larger populations tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The information below shows the priciest cities in Texas for 20 year old women to purchase auto insurance in. Lubbock is ranked at #14 costing $1,682 for the average policyholder, which is about $140 monthly.

Car insurance prices in Lubbock
Rank City Annual Rate
1 McAllen $1,996
2 Brownsville $1,908
3 Dallas $1,893
4 Laredo $1,851
5 Houston $1,835
6 Garland $1,832
7 Amarillo $1,804
8 Irving $1,789
9 Mesquite $1,771
10 Grand Prairie $1,740
11 Pasadena $1,740
12 San Antonio $1,739
13 Beaumont $1,702
14 Lubbock $1,682
15 Austin $1,659
16 Arlington $1,658
17 Fort Worth $1,621
18 Corpus Christi $1,620
19 McKinney $1,609
20 Carrollton $1,598
21 El Paso $1,584
22 Plano $1,576
23 Waco $1,569
24 Abilene $1,561
25 Killeen $1,518
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Rate quotes are estimated as the specific Lubbock residence address can affect premium rates substantially.

Cautious drivers save money

The common sense way to score the most affordable auto insurance premiums in Lubbock for young women is to drive cautiously and avoid tickets and accidents. The illustration below highlights how traffic violations and accidents can affect car insurance costs for different categories of driver ages. The rates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of a car insurance policy in Lubbock per year with a clean driving record and no accidents is $1,598. Factor in two speeding tickets and the average cost rises to $2,103, an increase of $505 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for 20 year old women jumps again to an average of $2,616. That's an increase of $1,018, or $85 per month, just for a couple of infractions!

The diagram below illustrates how your choice of deductibles can increase or decrease yearly insurance costs when getting quotes for cheap insurance for 20 year old women. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

A 30-year-old driver could lower their policy premium by $408 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $612 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save $870 or more just by choosing larger deductibles. When choosing a higher deductible, it is necessary to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Lubbock auto insurance company ratings

Choosing the highest-rated insurance provider can be rather challenging considering how many different companies sell coverage in Texas. The rank data in the lists below can help you analyze which car insurance companies to look at buying from.

These rankings are only made up of the largest companies in America, so smaller companies that only insure vehicles in Texas are not taken into consideration for these rankings. To compare price quotes from the most competitive companies in Texas, click this link.

Top 15 Auto Insurance Companies for a 20 Year Old Female in Lubbock, TX
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
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Data Source: Insure.com Best Car Insurance Companies

Here's why price comparisons are so important

Lubbock auto insurance rates are impacted by many things that can increase the policy price. Simply having a birthday, increasing deductibles, or getting a driving violation can trigger price changes that may make certain companies cheaper than before.

Additionally, auto insurance companies file new rates multiple times each year in order to remain profitable. Significantly higher losses can cause rate hikes, while lower claim expenses may result in lower-cost Lubbock car insurance rates.

For instance, the chart below shows rates for the cheapest car insurance in Lubbock, TX for a 35-year-old female driver with no violations or accidents, and a good credit history. If we compare prices based on her personal risk profile, Travelers might quote the best car insurance rates in Lubbock at $1,203 per year. This is $701 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the rest of the best Lubbock, TX auto insurance companies.

In this example, we will give the driver in the first example a claim or two, a lower credit rating, and a speeding citation. Due to the fact that each insurance company has a different formula for establishing rates, comparing rates may now result in a significantly different list of affordable companies as shown below.

State Farm now has the cheapest car insurance in Lubbock with Mercury, USAA, Safe Auto, and Nationwide also having competitive pricing. This demonstrates why Texas drivers need to perform an extensive rate comparison when trying to get the most affordable insurance rates for 20 year old women. Auto insurance prices consist of many factors and change substantially, so the best option when you last compared rates may now be quite expensive.