Who Has the Cheapest Auto Insurance for a Dodge Ram in Lubbock?

See How Much You Can Save

Finding affordable auto insurance for a Dodge Ram in Texas is dependent upon a lot of rating criteria such as your gender, your profession, and any prior driving offenses. Drivers in Texas will pay around $1,789 each year for Ram insurance, but that amount is an estimate calculated using a 40-year-old single female driver with full physical damage coverage and $100 deductibles.

The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even female, you might be married instead of single, or you just prefer to insure for liability only. Even a minor difference in the rating criteria used to formulate rates may result in significant differences in the policy rate.

This illustrates why the way we recommend to find cheap insurance rates for your Dodge is to compare rates from as many companies as possible. It only takes a few minutes and you can get prices from the cheapest companies available.

View Dodge Ram Insurance Rates

Your vehicle's trim level tends to impact price, so the price you will be charged to insure a Ram Quad Cab ST 2WD trim level will be $440 less expensive the insurance cost for the more costly Ram Quad Cab Laramie 4WD version, as shown below.

Dodge Ram Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram Quad Cab ST 2WD $314 $550 $560 $34 $168 $1,626 $136
Ram Quad Cab TRX4 Off Road 2WD $356 $670 $560 $34 $168 $1,788 $149
Ram Quad Cab SLT 2WD $356 $670 $560 $34 $168 $1,788 $149
Ram Crew Cab ST 2WD $356 $670 $560 $34 $168 $1,788 $149
Ram Quad Cab ST 4WD $356 $670 $560 $34 $168 $1,788 $149
Ram Crew Cab SLT 2WD $356 $670 $560 $34 $168 $1,788 $149
Ram Crew Cab TRX 2WD $356 $670 $560 $34 $168 $1,788 $149
Ram Quad Cab SLT 4WD $356 $670 $560 $34 $168 $1,788 $149
Ram Crew Cab ST 4WD $356 $670 $560 $34 $168 $1,788 $149
Ram Crew Cab Sport 2WD $396 $788 $560 $34 $168 $1,946 $162
Ram Quad Cab Sport 2WD $396 $788 $560 $34 $168 $1,946 $162
Ram Quad Cab TRX4 Off Road 4WD $396 $788 $560 $34 $168 $1,946 $162
Ram Crew Cab TRX 4WD $396 $788 $560 $34 $168 $1,946 $162
Ram Crew Cab SLT 4WD $396 $788 $560 $34 $168 $1,946 $162
Ram Quad Cab Laramie 2WD $396 $788 $560 $34 $168 $1,946 $162
Ram Crew Cab Laramie 2WD $396 $788 $560 $34 $168 $1,946 $162
Ram Crew Cab Sport 4WD $396 $788 $560 $34 $168 $1,946 $162
Ram Quad Cab Sport 4WD $396 $788 $560 $34 $168 $1,946 $162
Ram Crew Cab Laramie 4WD $396 $908 $560 $34 $168 $2,066 $172
Ram Quad Cab Laramie 4WD $396 $908 $560 $34 $168 $2,066 $172
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific location information which can impact premiums considerably.

Which insurance company is best in Texas?

Ending up with the top insurer can be challenging considering how many companies there are in Texas. The company rank data listed below may help you pick which insurers to look at when comparing insurance rates for a Dodge Ram. These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Texas or surrounding areas are not taken into consideration for these rankings.

Lubbock, TX Insurance Company Rankings
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
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Lubbock auto insurance

Insurance for a Ram pickup in Lubbock, TXInsurers that offer quotes for a Dodge Ram could also offer rate discounts that can lower rates by as much as 30% if you meet specific eligibility requirements. The best insurance companies and their offered discounts can be found below.

The example below illustrates the comparison of auto insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, passive restraint, multiple vehicle, defensive driving course, anti-theft, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for a Dodge Ram is 28% or $576.

The diagram below shows how choosing a deductible can affect insurance prices when getting quotes for cheap insurance for a Dodge Ram. The data is based on a married male driver, comp and collision included, and no policy discounts are applied.

As shown above, a 50-year-old driver could lower their car insurance rates by $382 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $578 by choosing a $1,000 deductible. Even younger insureds, like the age 20 example, could potentially save as much as $1,270 annually by selecting a higher deductible. When choosing a higher deductible, it will be important to have spare funds to be able to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

What aren't you shopping around?

Lubbock, TX insurance rates are influenced by many factors which can substantially change the policy price. Simply having a birthday, filing a claim, or having an accident can trigger changes in premium that can cause some rates to be more affordable than before. Not only that, but insurance companies amend pricing as needed to help ensure profitability. Higher than normal claim frequency or severity can cause more expensive premiums, while profitable underwriting can cause cheaper Ram insurance rates.

For instance, the graph below analyzes the cheapest car insurance in Lubbock, TX for a 35-year-old female driver with no violations or accidents, and great credit. When comparing rates based on her personal risk profile, Travelers might offer the cheapest car insurance rates in Lubbock at $1,142 annually. This is $762 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the top five cheapest Lubbock, TX auto insurance companies.

The chart below compares rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a blemish on her driving record. Since each auto insurance company has their own unique process to determining premium rates, comparing insurance quotes will most likely result in a slightly different list of affordable Lubbock car insurance companies as shown below.

State Farm now has the best price in Lubbock with Mercury, Nationwide, Safe Auto, and USAA also having competitive pricing. This illustrates why consumers need to compare many different companies to find the lowest auto insurance rates for a Dodge Ram. Rates are determined by many risk factors and can increase or decrease at any time, so the most economical company a year ago may now not even be in the top five.

The Lubbock car insurance agencies listed below are willing to help you decide which insurance coverage will be best for you, since some drivers aren't sure which coverage they need and prefer to have a consultation when shopping for the best coverage for a Dodge Ram. It's not always simple to find the cheapest car insurance policy, so a professional agent can give satisfaction knowing your coverage gives you sufficient coverage for your assets.

To find a Lubbock insurance agency nearest to you, click the button at the bottom or click here to compare prices now.

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

Rebecca Egert - State Farm Insurance Agent
9810 Indiana Ave Ste 120 - Lubbock, TX 79423 - (806) 795-4344

Area Insurance Associates
4202 Avenue Q - Lubbock, TX 79412 - (806) 747-2400

Find a Lubbock, TX insurance agent near you

How to find low-cost insurance for a Dodge Ram

Below you'll find some of the recommended money-saving solutions that can help drivers quote cheap car insurance.

The last tip is notably valuable, as was discussed in the prior information. Prices charged by car insurance companies in Lubbock can change considerably based on profitability, so don't hesitate to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it's not recommended if that dedication is costing several hundred dollars every year. Now is a great time to compare prices to find cheaper insurance for a Dodge Ram.