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 AverageNational Average
$1,453$1,415$1,548

Skip to:

Or compare quotes from top insurance companies today:

Location pin icon
No spam. We take your privacy seriously.


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 CompanyAverage 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 $1,253per 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 groupAverage 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 StatusAverage 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
CitationAverage 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 LevelAverage 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.



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.

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

AAA Insurance Underwriters

311 N University Ave, Lubbock, TX 79415

Mark Flenniken

4501 14th St, Lubbock, TX 79416

Grimes Insurance Agency, Inc.

1651 Broadway, Lubbock, TX 79401

Upshaw Insurance Agency Inc

2321 50th Street Ste K, Lubbock, TX 79412

All Write Ins Agcy

P O Box 2647, Lubbock, TX 79408

Arthur J. Gallagher Risk Management Services, Inc.

2727 81st St, Lubbock, TX 79423

Cam Fannin Ins Agcy Inc

1810 50th St, Lubbock, TX 79412

Cecil Dunn Ins Agcy

4120 Ave Q, Lubbock, TX 79452

Texas American Insurers

7802 Indiana Ave #B, Lubbock, TX 79423

Ashmore & Associates Insurance Agency, LLC

6102 82nd Street, Lubbock, TX 79424

Charles Short Insurance Agency, Inc.

2415 20th Street, Lubbock, TX 79411

Sims-Perrin Insurance Agency, Inc

3302 34th Street, Lubbock, TX 79410

J. E. Murfee & Son

1310 Texas Ave, Lubbock, TX 79401

Area Insurance Associates

4202 Avenue Q, Lubbock, TX 79412

Alan Henry Insurance Agency, Inc.

3407 19th St, Lubbock, TX 79410

Sanford & Tatum Insurance Agency

6303 Indiana Ave, Lubbock, TX 79413

Alliance Insurance Agency

3307 82nd Street, Lubbock, TX 79423

TWFG Insurance Services

2802 34th St., Lubbock, TX 79410

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

Just enter your zip code to get started

or
Location pin icon
Your information is secure.