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.
| 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.
| 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.
| 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
Insurers 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.
- Farm Bureau offers discounts including safe driver, 55 and retired, good student, renewal discount, multi-policy, driver training, and youthful driver.
- Liberty Mutual has discounts for teen driver discount, multi-car, safety features, new graduate, new move discount, good student, and exclusive group savings.
- State Farm may include discounts for driver’s education, Steer Clear safe driver discount, good student, defensive driving training, and multiple autos.
- Auto-Owners Insurance discounts include paperless, multiple vehicles, anti-lock brakes, anti-theft, student away at school, and safe vehicle.
- GEICO has savings for membership and employees, anti-theft, federal employee, driver training, and air bags.
- SAFECO may offer discounts for teen safety rewards, teen safe driver, accident prevention training, homeowner, bundle discounts, anti-lock brakes, and multi-car.
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.
- Remain accident-free and save
- Increase your policy deductibles
- Do not get tickets or violations
- Buy your auto and home insurance from the same company and save
- Drivers with good credit often pay less
- Earn a discount by not filing claims
- Shop your coverage around for the best deal
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.
- Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 - Shamburger Agency
12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959 - Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646 - Kevin Watson – State Farm Insurance Agent
13033 Quaker Ave SUITE B – Lubbock, TX 79423 – (806) 797-3329 - Maria Valeriano Insurance Agency
4210 50th St – Lubbock, TX 79413 – (806) 780-6622