What's the average car insurance rate in Lubbock?
The typical Lubbock driver pays $1,453 per year for car insurance coverage. That's more than the average across Texas ($1,415) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Lubbock.
LUBBOCK CAR INSURANCE RATES
|Lubbock Average (annual)||Texas Average||National Average|
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Lubbock auto insurance rates by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Lubbock's most affordable premiums. We've gathered the best cheap car insurance companies in Lubbock below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
LUBBOCK CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
Lubbock auto insurance premiums by age
Lubbock drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,253per year, on average. Drivers in their 60s pay marginally higher rates — $1,284 per year.
Teenage drivers pay Lubbock's most expensive auto insurance rates. When Lubbock drivers hit their 20s, their insurance rates drop substantially. In Lubbock, teenage drivers pay $3,570 — a full $2,286 more than the second-most expensive rate paid by an age group.
CAR INSURANCE RATES BY AGE TIER IN LUBBOCK
|Age group||Average Yearly Rate|
Lubbock car insurance rates by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Lubbock pay $107 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lubbock, widowed drivers pay less than those who are single.
Gender is another factor that can influence auto insurance rates. In Lubbock, male drivers pay $25 more per year for car insurance than do female drivers.
LUBBOCK CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Annual Rate|
Lubbock car insurance rates by accident and citation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most costly citations to receive are DUI and reckless driving. Lubbock drivers found guilty of reckless driving face insurance rate increases of $755 per year, compared to the citywide average. A DUI violation may lead to a $773 increase, while a citation for speeding leads to a $125 rate hike.
AVERAGE LUBBOCK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,813|
|At-fault Accident (damages greater than $2,000)||$2,168|
|Speeding Ticket (16-20 mph over speed limit)||$1,578|
Lubbock car insurance rates by credit tier
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Lubbock drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Lubbock, moving into the "Fair" credit tier corresponds to an average of $1,255 in savings on insurance each year.
LUBBOCK CAR INSURANCE RATES BY CREDIT SCORE
|Credit Level||Average Yearly Rate|
What drives up car insurance rates in Lubbock?
Where you live in Lubbock affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Lubbock is no exception to the rule. From ZIP code 79410 to 79402, premiums rise by 18 percent—that’s $249.
Expensive Lubbock ZIP codes: 79406, 79404, 79403, 79430, 79402
Cheap Lubbock ZIP codes: 79410, 79413, 79424, 79407, 79414
Lubbock Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Lubbock, you can expect 57 rainy days with an annual rainfall of 17 inches. Lubbock is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Lubbock
Find Local Lubbock Agents
TWFG Insurance Services
2802 34th St., Lubbock, TX 79410
Arthur J. Gallagher Risk Management Services, Inc.
2727 81st St, Lubbock, TX 79423
Upshaw Insurance Agency Inc
2321 50th Street Ste K, Lubbock, TX 79412
Texas American Insurers
7802 Indiana Ave #B, Lubbock, TX 79423
Sanford & Tatum Insurance Agency
6303 Indiana Ave, Lubbock, TX 79413
Area Insurance Associates
4202 Avenue Q, Lubbock, TX 79412
Alan Henry Insurance Agency, Inc.
3407 19th St, Lubbock, TX 79410
J. E. Murfee & Son
1310 Texas Ave, Lubbock, TX 79401
Alliance Insurance Agency
3307 82nd Street, Lubbock, TX 79423
Charles Short Insurance Agency, Inc.
2415 20th Street, Lubbock, TX 79411
Ashmore & Associates Insurance Agency, LLC
6102 82nd Street, Lubbock, TX 79424
4501 14th St, Lubbock, TX 79416
AAA Insurance Underwriters
311 N University Ave, Lubbock, TX 79415
Cam Fannin Ins Agcy Inc
1810 50th St, Lubbock, TX 79412
Sims-Perrin Insurance Agency, Inc
3302 34th Street, Lubbock, TX 79410
Cecil Dunn Ins Agcy
4120 Ave Q, Lubbock, TX 79452
Grimes Insurance Agency, Inc.
1651 Broadway, Lubbock, TX 79401
All Write Ins Agcy
P O Box 2647, Lubbock, TX 79408
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