Who Has the Cheapest Lubbock Car Insurance Quotes for Veterans?

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The words "bargain" and "insurance" probably shouldn't be used together, especially when looking for the best price on coverage for veterans. To save some money, let's teach you a few of the factors that help determine insurance rates, and find out if we can help you take a little off the next policy you buy.

The type of vehicle you are seeking coverage for is a large consideration that determines whether or not you can buy economical coverage for veterans. Vehicles with lots of horsepower, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more modest models. The next list showcases auto insurance premiums for a number of the most economical vehicles to insure.

Cheapest Vehicles to Insure in Lubbock, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape Limited 2WD $969
Honda CR-V EX-L 4WD $979
Honda Accord EX-L 4-Dr Sedan $1,031
Toyota Prius $1,053
Dodge Grand Caravan SE $1,064
Honda Civic DX 4-Dr Sedan $1,106
Volkswagen Jetta LE 4-Dr Sedan $1,125
Toyota RAV4 2WD $1,130
Chevrolet Equinox LTZ AWD $1,209
Dodge Ram Crew Cab ST 2WD $1,229
Toyota Tacoma Double Cab 4WD $1,233
Chevrolet Impala LS $1,240
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,253
Chevrolet Malibu LT $1,257
Ford F-150 Lariat Super Cab 4WD $1,264
Ford Explorer Limited 4WD $1,257
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,262
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific location which can influence premium rates significantly.

Looking at the data, you can see that models like the Ford Escape, Honda CR-V, and Honda Accord are likely to be a few of the cheaper vehicles to insure for veterans.

Trying to find cheap insurance is confusing at best, and deciding which companies quote the cheapest insurance rates for veterans will take even more work. Each insurance company has their own unique process to establish rates, so to begin we'll rank the overall cheapest insurance companies in Texas.

Find the Best Cheap Insurance for Vets

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,084
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 Esurance $1,407
6 California Casualty $1,424
7 Mercury $1,476
8 State Farm $1,510
9 Safe Auto $1,565
10 Nationwide $1,600
11 Progressive $1,698
12 Amica $1,705
13 Allstate $1,718
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,249
17 Unitrin $2,310
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,672
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Travelers may offer some of the cheapest car insurance rates in Lubbock at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the lowest-priced Lubbock, TX insurance companies.

As the example above demonstrates, if you currently buy coverage from Germania Mutual and switched to Travelers, you could see an annual premium reduction of in the vicinity of $261. Customers with Esurance might save as much as $386 a year, and California Casualty customers might realize rate reductions of up to $403 a year.

It's important to note that these premiums are averaged for all insureds and vehicles and are not factoring in an exact zip code location for veterans. So the insurer that has the lowest price for you may not even be in the list above. That illustrates why you need to get rate quotes using your own driver data and vehicle information.

One of the more important criteria that determine car insurance rates is where your residence is in Lubbock. Areas with increased crime or more people likely pay more, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The information below ranks the highest-priced areas in Texas for veterans to purchase a policy in. Lubbock is listed at #14 with the annual price of $1,682 for car insurance, which is about $140 each month.

How much is car insurance in Lubbock?
Rank City Annual Rate
1 McAllen $1,996
2 Brownsville $1,927
3 Houston $1,909
4 Laredo $1,907
5 Dallas $1,893
6 Amarillo $1,858
7 Mesquite $1,825
8 Garland $1,796
9 Irving $1,772
10 Grand Prairie $1,757
11 Pasadena $1,740
12 San Antonio $1,739
13 Beaumont $1,702
14 Lubbock $1,682
15 Austin $1,659
16 Arlington $1,658
17 McKinney $1,625
18 Plano $1,608
19 Fort Worth $1,604
20 Carrollton $1,598
21 Corpus Christi $1,572
22 El Paso $1,568
23 Abilene $1,561
24 Waco $1,522
25 Killeen $1,518
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Price information shown is estimated as specific Lubbock garaging address can raise or lower coverage prices considerably.

Poor driving habits will raise your insurance rates

The recommended way to receive the cheapest insurance prices in Texas for veterans is to be an attentive driver and avoid accidents and traffic citations. The illustration below demonstrates how speeding tickets and at-fault collisions can influence auto insurance costs for different ages of insureds. The costs are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $2,070. Add in one speeding ticket and the average cost rises to $2,381, an increase of $310 each year. Now get two accidents along with the one speeding ticket and the annual cost of insurance for veterans jumps again to an average of $5,160. That's an increase of $3,090, or $258 per month, just for not driving responsibly!

How to get discounts on Lubbock auto insurance rates

Save on insurance for veterans in LubbockInsurance companies that offer coverage for veterans may additionally offer policy discounts that could reduce prices by 25% or more if you are eligible. A list of companies and a summarized list of policyholder discounts are detailed below.

The information below compares insurance premiums with and without discounts applied to the premium. Data assumes a female driver, no claims or violations, 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 lower bar shows the rates with multiple policy, passive restraint, safe-driver, claim-free, anti-theft, and vehicle safety discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for veterans is 28% or $425.

Your cheap policy may actually be overpriced

Lubbock insurance rates are determined by lots of factors that control the cost of your policy. Simply turning a year older, getting divorced, or getting a DUI can trigger changes in premium that can now make some companies cheaper in comparison to the competition.

Not only may your situation change, but car insurance companies change rates every year to ensure their profitability. Higher than normal claim frequency or severity can result in more expensive premiums, while better underwriting can produce cheaper Lubbock car insurance rates.

For instance, the chart below shows which companies have the cheapest car insurance in Lubbock, TX for a 40-year-old female driver with a good driving record, no prior claims, and solid credit. When comparing rates based on her personal profile, Travelers has the lowest car insurance rates in Lubbock at $1,144 each year. This is $760 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining best Lubbock, TX auto insurance companies.

Now we will pretend the driver from the first example an at-fault accident, a little lower credit rating, and a few traffic violations. Due to the fact that every auto insurer has a unique approach to determine rates, analyzing rates may now present a completely different list of affordable Lubbock car insurance companies as shown below.

State Farm now has the best insurance rate in Lubbock, TX with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This example demonstrates why it is important to perform an extensive rate comparison to get affordable car insurance rates for veterans. Car insurance prices are made up of many factors and change frequently, so the most economical company the last time you compared rates may now be an over-priced policy.

Ideas to find the cheapest insurance for veterans

The list below summarizes many thrifty suggestions that can help drivers get more affordable auto insurance.

The final tip is remarkably critical, as we hit on in this article. Insurance rates can be changed at any time, so drivers shouldn't be resistant to change insurance companies if you can find a cheaper rate.

Being loyal to a particular company is commendable, but it's not a good idea if that faithfulness ends up costing you money that could be spent on other things. It only take a few minutes to compare rates and find cheaper insurance for veterans in Lubbock.