Who Has Cheap Auto Insurance for Teachers in Lubbock?

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Things would sure be easy if we could tell you the one best company that has the cheapest rates in Texas. It's not quite that easy, unfortunately, as there are a whole slew of unknown aspects such as if you are currently insured, the neighborhood you live in, and the level of liability coverage you want, that all impact the cost of coverage. We will try to cover the types of situations that result in high rates and hopefully give you enough understanding to have a good beginning to your search for cheaper coverage.

Locating budget insurance is tough enough, and finding out which companies offer the cheapest car insurance rates for teachers will take even more work. Every car insurance company has their own unique process for setting prices, so first let's look at the rankings for the most budget-friendly car insurance companies in Lubbock, TX.

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,128
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,424
7 State Farm $1,465
8 Mercury $1,476
9 Safe Auto $1,565
10 Nationwide $1,585
11 Allstate $1,701
12 Progressive $1,715
13 Amica $1,757
14 Home State $2,071
15 GEICO $2,156
16 MetLife $2,227
17 Encompass $2,232
18 Unitrin $2,264
19 21st Century $2,421
20 Titan $2,594
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Travelers may have some of the most affordable car insurance rates in Lubbock at around $1,010 each year. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Lubbock, TX insurance companies.

In the rate table above, if you are a policyholder with Germania Mutual and switched to Travelers, you may realize an annual premium reduction of upwards of $272. Drivers with Esurance may save as much as $355 a year, and California Casualty policyholders might reduce rates by $414 a year.

Understand that those estimates are averaged for all ages of drivers and types of vehicles and do not factor in a specific zip code for teachers. So the car insurance company that is most affordable for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.

The vehicle you are trying to insure is one of the primary factors when shopping around for low-priced coverage for teachers. Vehicles with lower performance, good safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The table below presents coverage prices for a number of the most budget-friendly automobiles to buy coverage for.

Cheapest Vehicles to Insure in Lubbock, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,047
Honda Accord LX-P 4-Dr Sedan $1,146
Toyota Prius $1,160
Hyundai Elantra GLS Touring Station Wagon $1,183
Ford Edge SE AWD $1,218
Toyota RAV4 Limited 4WD $1,241
Dodge Grand Caravan Hero $1,249
Ford Escape Limited 4WD $1,248
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,301
Toyota Camry XLE $1,308
Jeep Grand Cherokee Limited 2WD $1,331
GMC Sierra SL Crew Cab 2WD $1,338
Volkswagen Jetta SEL 4-Dr Sedan $1,331
Ford F-150 FX2 Super Cab 2WD $1,333
Honda Odyssey EX $1,365
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium amounts do not factor in specific zip code location which can influence price quotes substantially.

Based upon these rates, cars like the Honda CR-V, Honda Accord, and Toyota Prius will definitely be the most budget-friendly vehicles to insure for teachers and educators.

The diagram below demonstrates how deductibles can raise or lower insurance premiums when searching for cheap insurance for teachers. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could lower their car insurance rates by $408 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $612 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could potentially save up to $1,048 every year by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it's a good idea to have additional funds in a savings account to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Types of discounts on Lubbock auto insurance rates

Discounts on car insurance for teachersInsurers that provide policies for teachers could also offer discounts that could potentially reduce rates by as much as 40% or more if you meet specific criteria. A few of the larger companies and a summarized list of policyholder discounts are:

The example below shows the difference between insurance premiums with and without discounts. Data assumes a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, defensive driving course, marriage, safe-driver, passive restraint, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for teachers is 28% or $578.

If you like to have a consultation when shopping for cheaper insurance for teachers and educators, the agents shown below can most likely answer your questions and help you decide which policy is best.

To locate a Lubbock auto insurance agent nearest to you, click the button link following the list or click here to compare prices now.

Nelda Jett - State Farm Insurance Agent
3833 50th St #5 - Lubbock, TX 79413 - (806) 793-2857

Shamburger Agency
12215 Quaker Ave - Lubbock, TX 79424 - (806) 783-8959

Ince Insurance Inc
7005 Salem Park Dr - Lubbock, TX 79424 - (806) 797-4131

Farmers Insurance
3206 34th St - Lubbock, TX 79410 - (806) 791-2892

Grimes Insurance Agency Inc
1651 Broadway St - Lubbock, TX 79401 - (806) 762-0544

View more Lubbock, TX insurance agencies

How to find cheaper auto insurance for teachers

The list below shows some of the better thrifty suggestions that can help Lubbock drivers locate low-cost auto insurance.

The last suggestion is especially necessary, as we noted in this write-up. Prices can be modified anytime, so drivers shouldn't be resistant to switch to a new company if a lower price can be found. Brand loyalty is great, but it isn't a good idea if that stubbornness costs you a considerable chunk of change every month. In less than five minutes you could compare rates to find cheaper auto insurance for teachers in Lubbock.