Lubbock, TX Car Insurance

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 be quoted for an auto insurance policy based on your marital status, age, credit score and other factors in Lubbock.

LUBBOCK CAR INSURANCE RATES

Lubbock Average (annual)	Texas Average	National Average
$1,453	$1,415	$1,548

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• Provider
• Age group
• Marital status/gender
• Driving history
• Credit score

Lubbock auto insurance rates by insurance company

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
GEICO	$1,189
State Farm	$1,251
USAA	$1,348
Allstate	$2,396

Read our guide to finding the best cheap auto insurance.

Lubbock auto insurance premiums by age

Lubbock drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,253 per 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
Teenagers	$3,570
20s	$1,876
30s	$1,427
40s	$1,385
50s	$1,253
60s	$1,284
70s	$1,547

Learn more about how age influences auto insurance rates.

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
Female	$1,428
Male	$1,453
Single	$1,346
Married	$1,346
Divorced	$1,453
Widowed	$1,317

Read more about the relationships between gender, marital status and insurance rates.

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
DUI/DWI	$2,226
Reckless Driving	$2,209
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

Get more info on how a bad driving history can impact your car insurance costs.

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
Very Poor	$3,065
Fair	$1,810
Good	$1,453
Very Good	$1,349
Exceptional	$1,201

Learn more about the relationship between poor credit and car insurance rates.

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