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 Average||State Average||National Average|
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/Gender||Average Rate|
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
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 Level||Average Auto Insurance Rate|
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 Violation||Average Insurance Rate|
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Lubbock
Find Local Lubbock Agents
Grimes Insurance Agency, Inc.
1651 Broadway Lubbock, TX 79401
Sims-Perrin Insurance Agency, Inc
3302 34th Street Lubbock, TX 79410
J. E. Murfee & Son
1310 Texas Ave Lubbock, TX 79401
Arthur J. Gallagher Risk Management Services, Inc.
2727 81st St Lubbock, TX 79423
TWFG Insurance Services
2802 34th St. Lubbock, TX 79410
4501 14th St Lubbock, TX 79416
All Write Ins Agcy
P O Box 2647 Lubbock, TX 79408
Ashmore & Associates Insurance Agency, LLC
6102 82nd Street Lubbock, TX 79424
Alan Henry Insurance Agency, Inc.
3407 19th St Lubbock, TX 79410
Area Insurance Associates
4202 Avenue Q Lubbock, TX 79412
Cam Fannin Ins Agcy Inc
1810 50th St Lubbock, TX 79412
Alliance Insurance Agency
3307 82nd Street Lubbock, TX 79423
Cecil Dunn Ins Agcy
4120 Ave Q Lubbock, TX 79452
Charles Short Insurance Agency, Inc.
2415 20th Street Lubbock, TX 79411
Sanford & Tatum Insurance Agency
6303 Indiana Ave Lubbock, TX 79413
AAA Insurance Underwriters
311 N University Ave Lubbock, TX 79415
Texas American Insurers
7802 Indiana Ave #B Lubbock, TX 79423
Upshaw Insurance Agency Inc
2321 50th Street Ste K Lubbock, TX 79412
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