Who Has the Cheapest Auto Insurance for a 20 Year Old Male in Lubbock?

Wouldn’t it be nice if you could just magically know the best company that has the best auto insurance prices for 20 year old guys? Unfortunately, it’s just not that easy, as there are a whole slew of unknown elements such as how much you actually drive in a year, when you were born, and whether you just need liability insurance, that help determine the price you have to pay. We will attempt to cover the types of things that cause high car insurance rates and educate you enough to have a jump start in finding the best auto insurance in Texas.

The car, truck, or SUV you are trying to insure is a large consideration that determines the availability of the cheapest car insurance for 20 year old guys. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models.

The next list shows auto insurance rates for some of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Lubbock, TX
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $2,456
Ford Escape XLS 4WD $2,461
Honda CR-V EX 4WD $2,493
Toyota Prius $2,712
Ford Explorer XLT 2WD $2,734
Honda Odyssey EX W/Rear Entertainment $2,879
Ford Focus SE 4-Dr Sedan $2,884
Volkswagen Jetta LE 4-Dr Sedan $2,916
Toyota Tacoma Double Cab 4WD $2,924
Toyota RAV4 Limited 4WD $2,916
Chevrolet Equinox LT AWD $2,926
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $2,954
Dodge Ram 3500 Crew Cab Laramie 2WD $2,962
Dodge Grand Caravan SXT $2,954
Honda Civic EX 4-Dr Sedan $3,061
Hyundai Elantra Blue 4-Dr Sedan $3,071
Toyota Camry SE $3,098
Chevrolet Impala LTZ $3,104
Ford Edge Sport AWD $3,098
Nissan Altima 2.5 S 4-Dr Sedan $3,105
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Table data assumes single male 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. Rates do not factor in vehicle location which can influence auto insurance rates greatly.

Based upon these rates, cars like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer will definitely be some of the more affordable vehicles to insure for young men. The price for car insurance will trend higher because there is more liability risk for 20 year old guys, but generally speaking those models will most likely have the least expensive rates available.

For young men, one of the big factors that are looked at to help calculate the amount you pay for auto insurance is the neighborhood you call home. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural can boast about having cheaper rates.

The following table ranks the most costly cities in Texas for 20 year old guys to purchase car insurance in. Lubbock is listed at #13 with an annual cost of $1,733 for coverage, which is approximately $144 each month.

Car insurance prices in Lubbock
Rank City Annual Premium
1 McAllen $1,956
2 Brownsville $1,927
3 Laredo $1,907
4 Dallas $1,855
5 Houston $1,853
6 Pasadena $1,812
7 Mesquite $1,807
8 Amarillo $1,786
9 Garland $1,778
10 Beaumont $1,772
11 Grand Prairie $1,757
12 San Antonio $1,739
13 Lubbock $1,733
14 Irving $1,719
15 Arlington $1,692
16 Carrollton $1,664
17 Austin $1,659
18 Fort Worth $1,653
19 Plano $1,624
20 El Paso $1,616
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Rates are estimated as zip code location can raise or lower prices noticeably.

Texas auto insurance companies

Buying coverage from the highest-rated auto insurance company can be challenging considering how many choices drivers have in Lubbock. The company rank data in the lists below may help you select which car insurance companies you want to consider when insurance shopping for 20 year old guys.

The rankings below include companies that write coverage in many states, so smaller companies that only insure vehicles in Texas will not be included in the list. To get price quotes and find cheaper insurance for 20 year old guys, click here.

Top Auto Insurance Companies for a 20 Year Old Male in Texas
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
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Lubbock insurance

Cheaper Lubbock, TX auto insurance for young menInsurers that offer quotes for 20 year old guys may also offer policy discounts that may potentially lower prices by 40% or more if you meet the requirements. Companies and some of their more popular discounts are outlined below.

The information below illustrates the difference between car insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, vehicle safety, continuous coverage, passive restraint, paperless filing, and good student discounts applied. When discounts are applied, the average amount saved each year on auto insurance for 20 year old guys is 19% or $458.

Ideas for buying the cheapest car insurance for 20 year old guys

The list below shows many thrifty suggestions that can help drivers quote cheaper coverage.

That last idea is extraordinarily critical, as we hit on in this write-up. Auto insurance prices fluctuate constantly, so drivers shouldn’t be resistant to change to a new company if a better rate can be found.

Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you lots of hard earned cash every month. It takes less than five minutes to compare prices to find cheaper auto insurance for 20 year old guys in Lubbock.

The Lubbock auto insurance agencies shown below can aid you in deciding which car insurance company is the best fit, as some drivers have questions and prefer to have some advice when shopping for cheaper insurance for 20 year old guys. It’s not always easy to find the cheapest auto insurance company, and insurance agents can give peace of mind knowing your coverage gives you adequate protection. To locate a Lubbock insurance agent by location nearest to you, click the button at the bottom.

View map of Lubbock, TX insurance agents