Best Cheap Auto Insurance in Lubbock, Texas (2024)

State Farm, GEICO, and Mile Auto offer the cheapest car insurance rates in Lubbock.

Danny Smith
Written byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Amy Beardsley
Edited byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Updated February 14, 2024 at 7:38 AM PST

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Lubbock is the intersection of a sprawling landscape and modern urban living in West Texas. Located between two major interstates, the city is prone to heavy traffic. 

But drivers have to contend with more than busy roads. They must also make room in their budgets for an overall average monthly premium of $171 for Lubbock car insurance.

Whether you’re a new driver or an experienced one, you’ll learn how to find the right auto insurance policy for you below. Remember to always compare quotes before buying a policy.

Quick Facts
  • Lubbock drivers with poor credit pay nearly twice as much for car insurance.

  • Texas law requires drivers to carry 30/60/25 insurance coverage.

  • Drivers need an endorsement or Mexican liability coverage before crossing the border.

Find Cheap Car Insurance in Lubbock, Texas

Rates start as low as $109 for liability coverage

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Best car insurance companies in Lubbock

The cheapest car insurance company may not always be your best choice. Insurance companies consider many factors when setting rates, such as age, ZIP code, driving record, vehicle type, and credit score. Your rate will differ from every other driver, so it’s crucial to compare quotes from multiple insurers to find the best fit.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

Drivers can find the cheapest car insurance in Lubbock at State Farm. The company has 23 agents available in the city and earns high marks for customer service from J.D. Power. You can also cut up to 30% off your premiums by enrolling in State Farm’s Drive Safe & Save program.

Pros
  • 23 agents in the city

  • Among the cheapest companies in Lubbock

  • Savings of up to 30% for driving fewer miles

Cons
  • 38 National Association of Insurance Commissioners (NAIC) complaints filed in Texas in 2022

  • Average grade of C- for claims handling from the CRASH Network

  • Can’t buy a policy online

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for drivers with an at-fault accident: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$92/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$159/mo

Progressive is a top choice for Lubbock car insurance if you have an at-fault accident on your record. The company offers three types of accident forgiveness to help lower your rates. “Small accident forgiveness” helps for claims under $500, while “large accident forgiveness” keeps your rates steady after an accident. You can also purchase extra accident forgiveness perks.

Pros
  • 22 agents in Lubbock

  • Average bundling discount of 20%

  • No NAIC complaints filed in Texas in 2022

Cons
  • Charges higher rates for drivers with an at-fault accident

  • Below-average J.D. Power customer satisfaction rating in Texas

  • Average grade of C for claims handling from the CRASH Network

Help lower my cost.

Reine - December 4, 2023
Verified

Excellent customer service.

Cheryl - December 3, 2023
Verified

Best overall insurance cost with options to easily change as needed.

Jeffrey - December 3, 2023
Verified
Read our Progressive review

Best insurer for college students: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$87/mo

More than 52,000 students attend college in Lubbock. If you’re one of them and need car insurance, consider Allstate. The company has nine insurance agents in the city, giving you easy access to in-person support if you need it. If you’re younger than 25, ask about discounts for completing a driver education program, getting good grades, or attending school at least 100 miles from home.

Pros
  • 9 agents available in the city

  • Numerous discounts for college students

  • Rideshare coverage options available

Cons
  • No agents on the east side of Lubbock

  • 5 NAIC complaints filed in Texas in 2022

  • Below-average J.D. Power customer satisfaction rating in Texas

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

Cheapest liability-only car insurance in Lubbock

Liability car insurance offers protection for damages or injuries you may cause to others while driving. It’s a type of minimum-level coverage that meets the legal requirements for auto insurance for Texas drivers. A liability policy doesn’t cover your damages, injuries, or vehicle repairs. It covers only the other party’s medical expenses and property damage.

Lubbock residents pay an average monthly rate of $109 for liability-only car insurance. Here are some of the best quotes for liability coverage in Lubbock.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm37
GEICO40
Mile Auto48
Allstate53
USAA66
Safeco79
Nationwide89
Mercury92
Midvale Home & Auto92
Progressive92
Dairyland100
Clearcover107
Chubb112
National General115
Liberty Mutual117
Elephant119
Commonwealth Casualty122
Direct Auto129
21st Century130
GAINSCO139
The General142
Bristol West154
AssuranceAmerica163
State Auto171
Infinity178
Foremost207
Hallmark218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lubbock

The difference between liability and full-coverage car insurance is that full coverage also pays for damages to your own vehicle. Full coverage is a collection of policies, including liability insurance, collision insurance, and comprehensive insurance.

Drivers who want the broadest protection and minimal out-of-pocket costs in the event of an incident should consider full-coverage car insurance. On average, full coverage costs Lubbock drivers $2,804 per year. Below are some of the cheapest options for full-coverage auto insurance in Lubbock.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm61
GEICO67
Allstate87
Mile Auto92
USAA110
Clearcover134
Mercury146
Travelers150
Nationwide153
Progressive159
Midvale Home & Auto165
Safeco168
Chubb187
Elephant188
21st Century216
AssuranceAmerica217
Direct Auto231
Liberty Mutual236
Dairyland248
National General256
Infinity266
Bristol West273
The General280
GAINSCO303
Commonwealth Casualty304
State Auto313
Foremost387
Hallmark421
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Texas

Texas law requires 30/60/25 coverage. That means your policy must have $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability.

Your Texas car insurance will also include personal injury protection (PIP), which pays medical expenses, lost wages, and other non-medical costs for you and your passengers. But you can opt out of PIP coverage by notifying your insurer in writing.[1]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

A crucial consideration is that the minimum coverage requirements may not be enough to protect you financially in an accident. Because you’re responsible for covering damages and injuries if the cost exceeds your policy limit, the Texas Department of Insurance recommends increasing your coverage levels.[1]

You can also purchase additional coverage for even more protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage takes care of costs to repair or replace your vehicle following an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers stolen vehicles and damage from non-collision events, like fire, flood, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage handles medical bills for you and your passengers.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured or underinsured motorist coverage steps in to cover hit-and-run accidents and situations when the other driver lacks insurance or has insufficient coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    Towing and labor coverage pays for roadside assistance, such as towing expenses and labor costs for tasks like changing a flat tire and jump-starting your battery.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage helps pay for the cost of renting a car after an accident while your vehicle is undergoing repairs.

Texas insurance laws and programs

Texas has a few other notable insurance laws and programs for Lubbock drivers. For instance, your insurer automatically covers new cars you buy for about 20 days after purchase. And if you rent a car, your insurance policy coverage for your vehicle generally covers you if you drive it for personal use but not if you use it for work.

Although you’re probably less likely to venture into Mexico than someone who lives in Candelaria, it’s important to note that your insurance policy isn’t any good once you cross the border — American auto policies won’t protect you in Mexico. At a minimum, you’ll need an endorsement from your insurer, but you should consider a Mexican liability policy.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are all types of incidents that can show up on your driving record. Violations like this can classify you as a higher-risk driver. Because insurers look at your driving record when quoting coverage, they’ll likely charge you higher rates for coverage.

But you can still find affordable car insurance from plenty of insurers. Below, you’ll find the best options for drivers with blemishes on their driving records.

Find Car Insurance in Lubbock, TX

Rates start at $45 for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket

Insurance companies view speeding as a risky behavior that increases the possibility of accidents, and they quote higher premiums to offset the higher likelihood of future claims. It’s not uncommon to get a speeding ticket in Lubbock. “Failure to control speed” is a top factor in car accidents, according to the Lubbock Police Department’s 2022 annual report.[2]

Lubbock drivers with a speeding ticket face an average monthly cost of $150 for liability-only coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7646
GEICO8551
Allstate11067
USAA13983
Mile Auto14073
Clearcover178142
Nationwide195114
Progressive208120
Mercury211133
Midvale Home & Auto221123
Safeco228107
Elephant239151
Chubb240144
21st Century285171
AssuranceAmerica298224
Direct Auto307172
Liberty Mutual321159
Dairyland323130
National General326146
Bristol West350197
Infinity355238
The General365185
Commonwealth Casualty374150
GAINSCO374171
State Auto441241
Hallmark546282
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

When you’re at-fault in an accident, it suggests you’re more likely to engage in unsafe driving practices, putting you and others at risk on the roads. The higher risk often leads to higher insurance premiums. The circumstances of the accident determine how much your rate changes. For instance, a high-speed crash or fatal accident might result in higher premiums.

In Lubbock, drivers with at-fault accidents average $252 per month for auto insurance overall. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm8250
GEICO9154
Allstate11872
USAA14989
Mile Auto15179
Nationwide209121
Clearcover220175
Mercury225142
Progressive225130
Midvale Home & Auto241134
Safeco249117
Chubb255152
Elephant257163
21st Century302181
AssuranceAmerica311234
Direct Auto329184
Dairyland342138
Liberty Mutual343170
National General350157
Infinity353236
Bristol West367207
The General392199
GAINSCO403185
Commonwealth Casualty413166
State Auto472258
Hallmark547283
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI on your record can have significant financial consequences. In Lubbock, you’ll pay a fine of up to $2,000, spend up to 180 days in jail, and possibly lose your license for a year after your first offense.[3] You’ll also notice higher car insurance rates after driving under the influence, making it more expensive to maintain coverage.

The overall average monthly cost of car insurance with a DUI in Lubbock is $286. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm9860
GEICO10865
Allstate14085
Mile Auto14877
USAA177106
Clearcover216173
Mercury239150
Nationwide247144
Progressive256148
Midvale Home & Auto266148
Safeco271127
Chubb302181
Elephant303192
Direct Auto336188
21st Century348210
AssuranceAmerica350263
Liberty Mutual381189
Dairyland400161
National General413185
Infinity429287
Bristol West440248
Commonwealth Casualty441177
The General452229
GAINSCO489224
State Auto505276
Foremost624334
Hallmark679352
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Car insurance premiums tend to become more affordable around age 35. However, once you hit age 75, you may see rates start to climb. Fatal accident rates increase for drivers 70 and older, according to the Insurance Institute for Highway Safety.[4] The increased risk translates to higher insurance prices, underscoring the importance of shopping around for coverage.

Senior drivers in Lubbock can find liability rates as low as $26 per month. Below are average monthly car insurance quotes for seniors in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm3119
GEICO3722
Allstate4930
Mile Auto5428
USAA6338
Progressive7242
Nationwide7544
Chubb8853
Mercury9258
Clearcover10886
Elephant10868
Safeco11353
21st Century11569
AssuranceAmerica12392
Direct Auto12771
Liberty Mutual13768
Dairyland15261
Bristol West16191
National General17076
The General18694
Commonwealth Casualty19277
GAINSCO19690
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

It’s no secret that teen drivers pay higher car insurance rates than other drivers. Young drivers present a greater risk than other age groups due to a lack of experience behind the wheel and a higher probability of engaging in risky behavior when driving, especially when friends are in the car.[5]

But you aren’t doomed to pay sky-high insurance costs. A few strategies can help lower your rates, such as:

  • Staying on a parent’s insurance policy

  • Driving a safe car with advanced safety features

  • Maintaining good grades to qualify for a good student discount

On average, teen drivers in Lubbock pay $186 per month for liability-only coverage. Below are average insurance quotes for teens in the city.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm10262
GEICO10361
Allstate14991
Mile Auto17189
USAA177106
Clearcover235188
Nationwide255148
Mercury262165
Progressive279162
Safeco295139
Elephant305193
Midvale Home & Auto307171
Chubb336201
21st Century352212
Dairyland393158
Liberty Mutual395196
AssuranceAmerica400300
Direct Auto410229
The General436221
Bristol West443250
National General474213
Infinity483323
Commonwealth Casualty525211
GAINSCO537246
State Auto549300
Foremost679363
Hallmark790409
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Lubbock

Insurers consider age, marital status, vehicle choice, household members, and whether you own a home when setting premiums. However, your driving record, auto insurance history, and credit score also have an effect.

Considering all that, finding wallet-friendly car insurance in Lubbock isn’t impossible. Here’s how to lock in affordable rates:

  • Bundle your auto and home coverage. Combining your car insurance with other policies, like home or renters insurance, can qualify you for discounts of up to 25%.

  • Increase your deductible. A higher deductible can lower your premiums. Just make sure you can cover the cost when the time comes to file a claim.

  • Drive safely. A clean driving record is key to qualifying for the best rates.

  • Plan ahead. Purchase your new policy before your current one expires to qualify for savings.

  • Shop around. Don’t settle for the first quote you get. Compare quotes from different insurers to make sure you get the best coverage at the lowest price.

Shop for Car Insurance in Lubbock

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Lubbock car insurance quotes by credit tier

Lubbock car insurance companies can factor in your credit score when giving you a quote. Drivers with poor credit scores pay more for car insurance than drivers with excellent or good credit.[6] Here’s what you can expect to pay for car insurance in Lubbock based on your credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Lubbock?

Car insurance rates can vary depending on a number of factors, including the ZIP code where you live. Insurance companies take into account the rate of car theft, frequency of accidents, and severity of weather conditions when determining insurance rates.

Unfortunately for Lubbock residents, car insurance is more expensive than the national average. It costs $171 per month, while the average U.S. driver pays a monthly premium of $139.

More cities in Texas

Lubbock isn’t the most expensive city for car insurance in Texas — Houston earns that title, with average rates about 16% higher than Lubbock. You can find some of the cheapest premiums in Austin, where drivers pay about 14% less on average.

CityAverage Quote: Liability CoverageAverage Quote: Full Coverage
Austin$129$218
Plano$123$229
San Antonio$125$233
El Paso$93$206
Fort Worth$123$232
Irving$135$262
Arlington$125$235
Dallas$139$265
Houston$168$296
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lubbock car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Lubbock.

  • How much is car insurance in Lubbock?

    Car insurance in Lubbock costs $171 per month, on average. Drivers pay an average of $234 per month for full-coverage insurance and $109 per month for liability coverage. Your unique rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.

  • What company has the cheapest car insurance in Lubbock?

    Lubbock drivers will find the cheapest rates with State Farm, which offers liability-only coverage as low as $37 per month. GEICO and Mile Auto are also good options for Lubbock motorists — they have liability rates as low as $40 and $48, respectively.

  • What are the best car insurance companies in Lubbock?

    State Farm is the best car insurance company in Lubbock, with an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Lubbock choices include Progressive and Allstate.

  • How much does car insurance cost per month in Texas?

    Car insurance costs an average of $178 per month in Texas overall.

  • Can you avoid paying for car insurance in Texas?

    No. Drivers must carry and pay for car insurance in Texas to drive legally.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Texas Department of Insurance. "Auto insurance guide." Accessed September 8, 2023
  2. Lubbock Police. "2022 Annual Report." Accessed September 8, 2023
  3. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI." Accessed September 8, 2023
  4. Insurance Institute for Highway Safety. "Older drivers." Accessed September 8, 2023
  5. National Highway Traffic Safety Administration. "Teen Safe Driving: How Teens Can Be Safer Drivers." Accessed September 8, 2023
  6. Texas Department of Insurance. "Credit Scoring and Insurance." Accessed September 8, 2023
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Amy Beardsley
Edited byAmy BeardsleyInsurance Writer
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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