How Much are Car Insurance Rates for Drivers Under 21 in Lubbock?

One of the many things that help determine the annual cost of car insurance is your zip code. Regions with larger populations or more claims are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.

The illustration below ranks the highest-priced areas in Texas for drivers under 21 in which to buy car insurance. Lubbock makes the list at #14 with the yearly price of $1,682 for the average insurance policy, which is approximately $140 per month.

Car insurance prices in Lubbock
Rank City Premium Per Year
1 McAllen $1,936
2 Brownsville $1,927
3 Laredo $1,907
4 Houston $1,853
5 Dallas $1,837
6 Mesquite $1,825
7 Grand Prairie $1,811
8 Amarillo $1,804
9 Garland $1,796
10 Pasadena $1,794
11 Irving $1,772
12 Beaumont $1,754
13 Arlington $1,709
14 Lubbock $1,682
15 San Antonio $1,671
16 Carrollton $1,664
17 Austin $1,659
18 Fort Worth $1,653
19 Corpus Christi $1,636
20 Plano $1,624
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Table data uses estimated as the specific area where the vehicle is garaged can raise or lower coverage rates considerably.

Finding out which companies offer the lowest-priced auto insurance rates for drivers under 21 involves a bit more effort than just comparing a company or two. Every insurance company has their own process for determining rates in each state, so we need to take a look at the auto insurance companies with the most affordable rates in Texas.

It’s important that readers know that Lubbock auto insurance rates are calculated based on many things which can substantially decrease or increase the cost of coverage. Simply getting older, buying a home instead of renting, or getting a ticket for running a stop sign can trigger rate changes that can now make some companies cheaper than competitors.

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 California Casualty $1,396
6 Esurance $1,407
7 State Farm $1,495
8 Mercury $1,506
9 Safe Auto $1,549
10 Nationwide $1,585
11 Progressive $1,647
12 Amica $1,705
13 Allstate $1,718
14 Home State $2,155
15 GEICO $2,156
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,333
19 21st Century $2,396
20 Titan $2,594
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Travelers may offer some of the lowest car insurance rates in Lubbock at around $1,052 a year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the best Lubbock, TX car insurance companies.

As shown in the rates above, if you currently buy coverage from USAA and switched to Travelers, you could see annual savings of roughly $76. Policyholders with Texas Farm Bureau might save as much as $147 a year, and Germania Mutual customers might reduce prices by as much as $230 a year.

To find out how much you can save, click here or visit any of the low-priced companies below.

Be aware that those estimates are averages across all drivers and vehicles and do not factor in a specific location for drivers under 21. So the car insurance company that fits your situation best may not even be in the top 23 companies in the list above. That point stresses why you need to get car insurance quotes using your own personal information and vehicle type.

Liability rates compared to full coverage

Saving money when shopping for auto insurance is probably important to the majority of drivers, and an easy way to buy cheaper insurance for drivers under 21 is to not buy comprehensive and collision coverage. The example below shows the difference between insurance premiums when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for all age groups, physical damage insurance costs an extra $2,429 per year over and above liability coverage. At some point, about every driver wonders when is the right time to remove full coverage. There is no clear-cut formula of when to exclude physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

Reckless driving habits raise auto insurance rates

The obvious way to find the most affordable auto insurance prices in Lubbock for minors is to drive cautiously and avoid accidents and traffic violations. The chart below illustrates how violations and fender-benders increase insurance prices for different ages of insureds. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of car insurance in Texas per year with no accidents and a clean driving record is $1,598. Add in one speeding ticket and the average cost hikes up to $1,804, an increase of $206 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for drivers under 21 increases to an average of $3,736. That’s an increase of $2,138, or $178 per month, just for not driving attentively!

Buying coverage from a high-quality insurance provider is hard considering how many companies there are to choose from in Texas. The ranking information in the lists below can help you analyze which car insurance companies you want to consider when comparing rate quotes.

The rankings below are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence are not factored into the list. To compare prices and find the cheapest rates for drivers under 21, simply click here.

Top 10 Major Auto Insurance Providers in Lubbock Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Major Auto Insurance Providers 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

How to find budget-friendly car insurance for drivers under 21

It’s not impossible to find cheaper rates, and here are a few money-saving suggestions that can help Lubbock drivers quote lower-cost car insurance.

The last tip in the list is extraordinarily crucial, as was affirmed in this article. Insurance rates fluctuate constantly, so drivers shouldn’t hesitate to switch companies if you can find a cheaper rate. We understand brand loyalty, but we do not recommend it if that stubbornness costs you money that could be used for better things. Take a couple minutes and shop around to find cheaper auto insurance for drivers under 21 in Lubbock.

The Lubbock, TX, insurance agents below are a good start to answer your questions and help you decide which insurance coverage will be best for you, since many people would rather have some advice when buying car insurance for minors. It can be hard to find the cheapest rates, and insurance agents can provide you satisfaction knowing your coverage gives you enough coverage if you have a claim. To find an agent close to you, click the button link following the list.

Mike Fox – State Farm Insurance Agent
5910 130th St #101Lubbock, TX 79424(806) 701-5234

Allstate Insurance Agent: Danny Sellers
7302 82nd St Ste 11Lubbock, TX 79424(806) 866-2702

Zuniga Insurance Agency
1407 19th StLubbock, TX 79401(806) 702-4918

Farmers Insurance – Victor Rodriguez
2026 82nd St #103Lubbock, TX 79423(806) 783-0831

Rick Rosas – State Farm Insurance Agent
6102 82nd St #12bLubbock, TX 79424(806) 776-3276

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