The vehicle model you are seeking coverage for is one of the biggest factors when consumers are trying to find the most affordable insurance for state employees. Vehicles with economical engines, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models. The next table presents auto insurance rates for a selection of the most affordable automobiles to insure in Texas.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,025|
|Ford F-150 STX Regular Cab 4WD||$1,151|
|Ford Escape XLT 4WD||$1,190|
|Chevrolet Impala LT||$1,217|
|Chevrolet Malibu LT||$1,240|
|Ford Explorer Eddie Bauer 4WD||$1,249|
|Ford Edge SEL AWD||$1,306|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,313|
|Dodge Grand Caravan SE||$1,306|
|Chevrolet Equinox LT 2WD||$1,331|
|Honda Odyssey EX||$1,338|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,347|
|Ford F-350 Super Cab Harley Edition 2WD||$1,354|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,362|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,363|
|Toyota RAV4 Limited 2WD||$1,370|
|Toyota Camry LE||$1,377|
|Kia Optima EX||$1,391|
|GMC Sierra Denali Crew Cab 2WD||$1,395|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,403|
|Toyota Tacoma X-Runner 2WD||$1,405|
|Dodge Ram 2500 Mega Cab Laramie 4WD||$1,416|
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can raise or lower prices noticeably.
By looking at the data, vehicles like the Honda CR-V, Ford F-150, and Ford Escape are most likely to be the most budget-friendly vehicles to insure for state workers.
One of the more important things that determine the cost of insurance is where you keep your vehicle in Lubbock. Regions with more people or even just more weather-related claims likely pay more, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The table below ranks the most expensive cities in Texas for state employees to purchase auto insurance in. Lubbock is ranked #14 with a yearly premium of $1,682 for coverage, which is approximately $140 each month.
|Rank||City||Average Per Year|
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Information shown are comparative as the garaging address in Lubbock can influence price quotes substantially.
Deciphering which company quotes the cheapest insurance rates for state employees will take a little more sweat in order to find coverage that fits your budget.
Each company has a proprietary method for determining rates, so let’s take a look at the overall cheapest insurance companies in Texas. It’s a good idea to be aware that Texas insurance rates are calculated based on many things that can increase the price you have to pay for coverage. Simply having another birthday, buying a home instead of renting, or getting a ticket for careless driving may generate price changes resulting in some companies being more affordable than competitors.
Find Cheaper Auto Insurance in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers generally has some of the best car insurance rates in Lubbock at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Lubbock, TX auto insurance companies.
As the example above demonstrates, if you currently have a policy with Texas Farm Bureau and switched to Travelers, you might achieve an annual premium reduction of around $195. Policyholders with Germania Mutual may save as much as $204 a year, and Esurance customers might realize rate reductions of up to $327 a year.
If you want to see how much you could save, click here to start a quote or visit any of the companies below.
Remember that these rates are averaged for all drivers and vehicles and and are not figured with an exact zip code location for state employees. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Careless driving habits raise Lubbock insurance rates
The easiest method to enjoy the best insurance rates in Texas for state workers is to drive carefully and avoid accidents and traffic violations. The example below highlights how speeding tickets and at-fault accidents drive up insurance costs for each age group. The rates are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of an auto insurance policy in Lubbock per year with no violations or accidents is $1,380. Get two speeding tickets and the average cost hikes up to $1,955, an increase of $575 each year. Then include one accident along with the two speeding tickets and the yearly cost of insurance for state employees increases to an average of $2,533. That’s an increase of $1,153, or $96 per month, just for not being more responsible behind the wheel!
The illustration below shows how choosing a deductible can change insurance rates when researching cheap insurance for state employees. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could cut expenses by $302 a year by switching from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could drop their prices up to $766 every year just by using higher deductibles. If you do make the decision to raise your deductibles, it will be necessary to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Discounts on Lubbock insurance rates
Auto insurance companies that offer cheap quotes for state employees may additionally offer discounts that could potentially reduce rates by as much as 25% or more if you meet eligibility requirements. A list of insurance companies and a summarized list of policyholder discounts are included below.
- State Farm may offer discounts for defensive driving training, accident-free, student away at school, good driver, multiple policy, Drive Safe & Save, and Steer Clear safe driver discount.
- Esurance includes discounts for multi-policy, good student, online quote, good driver, and multi-car.
- Progressive policyholders can earn discounts including multi-vehicle, good student, online quote discount, multi-policy, and continuous coverage.
- Liberty Mutual discounts include multi-car, safety features, teen driver discount, preferred payment discount, new vehicle discount, exclusive group savings, and new graduate.
- Auto-Owners Insurance offers discounts for paid in full, student away at school, group or association, multi-policy, safe driver, and teen driver.
- GEICO may include discounts for membership and employees, anti-lock brakes, emergency military deployment, multi-vehicle, five-year accident-free, military active duty, and air bags.
The chart below illustrates the comparison of car insurance rates with and without discounts applied to the policy premium. The premiums assume a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, defensive driving course, safe-driver, accident-free, passive restraint, and homeowner discounts applied. When discounts are factored in, theamount saved on insurance for state employees is 28% or $474.
How to find low-cost car insurance for state employees
The list below shows some thrifty ideas that can help you locate cheap coverage.
- Buy your homeowners policy from the same company as your auto insurance
- Buy a car with high safety ratings
- At-fault accidents can raise rates significantly
- Higher credit scores can equal lower rates
- Drop full coverage on older vehicles
- Compare rates regularly and switch companies to save money
The last item on the list is incredibly significant, as we discussed in this article. Rates in Lubbock vary greatly, so don’t be hesitant to buy from a different company if a better deal can be had. Having a favorite company is great, but it isn’t a good idea if that devotion results in you overpaying a considerable chunk of change every month. If you have a few minutes, compare prices to find cheaper car insurance for state employees.
The agents shown below can help you determine which coverages are best, since some drivers have questions and prefer to get some professional input when shopping around for cheaper insurance for state employees. It’s not always simple to find the cheapest auto insurance company, so professional agents can give you comfort knowing your policy gives you enough coverage if you have a claim.
To find a Lubbock insurance agency close to where you live, click the button link following the list.
Farmers Insurance – Jim White
4518 50th St – Lubbock, TX 79414 – (806) 792-4416
Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646
All Write Insurance Agency
2413 20th St – Lubbock, TX 79411 – (806) 763-2886
Ashmore and Associates Insurance Agency, LLC
6102 82nd St #6 – Lubbock, TX 79424 – (806) 745-8358