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.

57

Rainy Days a Year

17"

Avg. Annual Rainfall

6"

Avg. Annual Snowfall

Be Prepared For

Driving in Lubbock

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

Car Insurance Companies in Lubbock

Aggressive Insurance Allstate Cal Casualty Direct General Elephant Encompass Falcon Foremost GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Liberty Mutual Mercury MetLife Pronto Safe Auto The General Travelers

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

Mark Flenniken

4501 14th St Lubbock, TX 79416

See All

Not sure about Lubbock

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$1,450

The average Lubbock resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

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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Lubbock Car Insurance

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