Car Insurance in Lubbock
Premiums in Texas are 27% greater than the national average, which is why the state is known for its costly rates. Premiums run high in the city as well, so it is critical to save while insuring a vehicle in Lubbock. Let’s go over some tips on how to save on car insurance in Lubbock.
- City Average: $1,818
- State Average: $1,810
- National Average: $1,427
Lubbock Car Insurance by Age
Among all age groups, drivers in their 50s have the smallest car insurance payments, with rates of $1,536/year. Those in their 60s ($1,591) also have relatively low premiums. With typical rates of $5,711, teenage drivers pay the most in car insurance premiums. In Lubbock, drivers see the largest decrease in premiums when they reach their 20s, as they save an average of $3,505 from moving out of the teenage age range. Car insurance premiums continue to trend downward up until drivers turn 60.
- Teenagers: $5,711
- 20s: $2,207
- 30s: $1,788
- 40s: $1,724
- 50s: $1,536
- 60s: $1,591
- 70s: $1,947
Lubbock Car Insurance by Credit Rating
Average car insurance premiums in Lubbock for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) has the greatest favorable impact on premiums, as it saves drivers close to $365 per year.
- Very Poor: $3,261
- Fair: $2,739
- Good: $2,254
- Very Good: $1,882
- Exceptional: $1,517
Lubbock Car Insurance by Accident or Violation History
Do you have a history of accidents or violations? That can have an impact on your prices on car insurance. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Expect your annual car insurance payments to increase by $860 if you are found at-fault in an accident in Lubbock. In Lubbock, drivers with a DUI need to spend $736 more than the city average to insure their vehicle. Reckless driving will drive your rates up as well, with average rates of $2,495. That is 37% higher than the city average.
- DUI: $2,554
- Reckless Driving: $2,495
- At-fault Accident (damages less than $1000): $2,678
- At-fault Accident (damages greater than $2000): $2,678
- Speeding Ticket (16-20 mph over speed limit): $1,896
Lubbock Car Insurance by Gender and Marital Status
There are a lot of factors, including gender and marital status, that affect car insurance premiums in Lubbock. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you approximately 12% more per year. Rates for those who are widowed are also much cheaper than rates for those who are single. Premiums are more pricey for men. Men usually pay 2% more than women each year for insurance.
- Female: $1,788
- Male: $1,818
- Single: $1,818
- Married: $1,627
- Divorced: $1,818
- Widowed: $1,647
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Lubbock Agents
J. E. Murfee & Son
1310 Texas Ave Lubbock, TX 79401
Sims-Perrin Insurance Agency, Inc
3302 34th Street Lubbock, TX 79410
Cam Fannin Ins Agcy Inc
1810 50th St Lubbock, TX 79412
Area Insurance Associates
4202 Avenue Q Lubbock, TX 79412
Alliance Insurance Agency
3307 82nd Street Lubbock, TX 79423
Grimes Insurance Agency, Inc.
1651 Broadway Lubbock, TX 79401
Sanford & Tatum Insurance Agency
6303 Indiana Ave Lubbock, TX 79413
AAA Insurance Underwriters
311 N University Ave Lubbock, TX 79415
Upshaw Insurance Agency Inc
2321 50th Street Ste K Lubbock, TX 79412
Texas American Insurers
7802 Indiana Ave #B Lubbock, TX 79423
Charles Short Insurance Agency, Inc.
2415 20th Street Lubbock, TX 79411
TWFG Insurance Services
2802 34th St. Lubbock, TX 79410
Ashmore & Associates Insurance Agency, LLC
6102 82nd Street Lubbock, TX 79424
Alan Henry Insurance Agency, Inc.
3407 19th St Lubbock, TX 79410
All Write Ins Agcy
P O Box 2647 Lubbock, TX 79408
Cecil Dunn Ins Agcy
4120 Ave Q Lubbock, TX 79452
Arthur J. Gallagher Risk Management Services, Inc.
2727 81st St Lubbock, TX 79423
4501 14th St Lubbock, TX 79416
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Lubbock Car Insurance
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