What's the Cost of Car Insurance in Lubbock?


Texas premiums surpass the national average by 14%, which is why the state is recognized for its costly rates. Premiums run high in the city as well, so if you are insuring a vehicle in Lubbock, saving money is critical. Let's compare car insurance costs in Lubbock versus premiums across the nation.


INSURANCE PREMIUMS: LUBBOCK VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,847$1,792$1,569


Lubbock Auto Insurance by Marital Status and Gender


Car insurance premiums in Lubbock can be influenced by driver traits such as marital status and gender. Premiums are more expensive for men than for women. Men typically pay 2% more than women each year for insurance. Did you know that in your city marital status can actually change your premiums substantially? Being single can cost you 12% more per year compared to being married. Rates for those who are widowed are also way cheaper than rates for those who are single.


LUBBOCK CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,818
Male$1,847
Single$1,847
Married$1,653
Divorced$1,847
Widowed$1,744


Lubbock Auto Insurance Rates by Age

Lubbock drivers see the biggest decline in premiums when they hit their 20s, as they save an average of 60% from moving out of the teenage age bracket. Rates in Lubbock continue to trend downward up until drivers turn 60. At $1,562, drivers in their 50s have the lowest car insurance premiums among any age group. Those in their 60s ($1,611) aren’t paying significantly more. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,777 on average.


LUBBOCK AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,777
20s$2,322
30s$1,821
40s$1,762
50s$1,562
60s$1,611
70s$1,822


Lubbock Car Insurance by Credit Score


People with Very Poor credit (300-579) pay an average of more than twice as much every year for car insurance than those with Exceptional credit (800-850). Drivers will see the biggest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,204 per year.


LUBBOCK CAR INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Auto Insurance Rate
Very Poor$3,357
Fair$2,152
Good$1,847
Very Good$1,740
Exceptional$1,613


Lubbock Car Insurance for High-Risk Drivers


Maintaining a clean driving record is vital to keep your premiums minimal. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. The amount of damage that results from an accident affects insurance rates. For those in Lubbock with at-fault accidents in which damages exceeded $2,000, rates are an average of 17% more than at-fault accidents with damages less than $1,000. In Lubbock, drivers with a DUI need to spend $687 more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with typical rates of $2,590.


AVERAGE LUBBOCK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Insurance Rate
DUI/DWI$2,534
Reckless Driving$2,590
At-fault Accident (damages less than $1,000)$2,357
At-fault Accident (damages greater than $2,000)$2,765
Speeding Ticket (16-20 mph over speed limit)$1,948


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

57

Rainy Days a Year

17"

Avg. Annual Rainfall

6"

Avg. Annual Snowfall

Be Prepared For

Driving in Lubbock

2
Major Highways
I-27 U.S. 62 U.S. 82
2
Public Transit
Citibus

Find Local Lubbock Agents

Grimes Insurance Agency, Inc.

1651 Broadway, Lubbock, TX 79401

Mark Flenniken

4501 14th St, Lubbock, TX 79416

Arthur J. Gallagher Risk Management Services, Inc.

2727 81st St, Lubbock, TX 79423

AAA Insurance Underwriters

311 N University Ave, Lubbock, TX 79415

Area Insurance Associates

4202 Avenue Q, Lubbock, TX 79412

Texas American Insurers

7802 Indiana Ave #B, Lubbock, TX 79423

Cam Fannin Ins Agcy Inc

1810 50th St, Lubbock, TX 79412

Sims-Perrin Insurance Agency, Inc

3302 34th Street, Lubbock, TX 79410

Alliance Insurance Agency

3307 82nd Street, Lubbock, TX 79423

Upshaw Insurance Agency Inc

2321 50th Street Ste K, Lubbock, TX 79412

Sanford & Tatum Insurance Agency

6303 Indiana Ave, Lubbock, TX 79413

J. E. Murfee & Son

1310 Texas Ave, Lubbock, TX 79401

Alan Henry Insurance Agency, Inc.

3407 19th St, Lubbock, TX 79410

TWFG Insurance Services

2802 34th St., Lubbock, TX 79410

Charles Short Insurance Agency, Inc.

2415 20th Street, Lubbock, TX 79411

Cecil Dunn Ins Agcy

4120 Ave Q, Lubbock, TX 79452

Ashmore & Associates Insurance Agency, LLC

6102 82nd Street, Lubbock, TX 79424

All Write Ins Agcy

P O Box 2647, Lubbock, TX 79408

2

$1,450

The average Lubbock resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

232

That's equal to 232 cups of coffee or $580 in savings

See How Much You Can Save in Lubbock

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