How Much Does Auto Insurance Cost in Lubbock?
On average, premiums in Texas are 27% greater than the national average. Premiums also run high in the city, so in Lubbock, it is vital to save while insuring a vehicle. We've analyzed how auto insurance rates in Lubbock compare to premiums nationwide.
CAR INSURANCE PREMIUMS: LUBBOCK VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Lubbock Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Lubbock is determined by many things, including gender and marital status. Females have premiums that are nearly 2% cheaper than those for males. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you close to 12% more per year on car insurance. Rates for those who are widowed are also way cheaper than rates for those who are single.
LUBBOCK AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Lubbock Car Insurance by Credit Rating
For individuals with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 53% less a year. Drivers will see the biggest percent drop in premiums when they upgrade their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 19% per year.
LUBBOCK CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Car Insurance Rate|
Lubbock Auto Insurance for Drivers With At-Fault Accidents or Violations
By avoiding driving mishaps that can make the expense of insurance rates spike, you can not only save yourself money, but become a safer driver. Drivers with a DUI in Lubbock have rates $736 higher than the city average ($1,818). Reckless driving will also bump your premiums up, with typical rates of $2,495. Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. For those in Lubbock with at-fault accidents, $860 is the amount by which annual insurance premiums can be expected to rise.
AVERAGE LUBBOCK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,678|
|At-fault Accident (damages greater than $2,000)||$2,678|
|Speeding Ticket (16-20 mph over speed limit)||$1,896|
Lubbock Car Insurance Premiums by Age
With rates of $5,711 on average, teenage drivers are the ones who pay the most in car insurance premiums. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,536 per year. Those in their 60s ($1,591) have premiums that aren't much higher. In Lubbock, drivers see the biggest fall in premiums when they reach their 20s, as they pay an average of $3,505 less after moving out of the teenage age range. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time.
LUBBOCK CAR INSURANCE RATES BY AGE
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
Alan Henry Insurance Agency, Inc.
3407 19th St Lubbock, TX 79410
AAA Insurance Underwriters
311 N University Ave Lubbock, TX 79415
Upshaw Insurance Agency Inc
2321 50th Street Ste K Lubbock, TX 79412
J. E. Murfee & Son
1310 Texas Ave Lubbock, TX 79401
Area Insurance Associates
4202 Avenue Q Lubbock, TX 79412
4501 14th St Lubbock, TX 79416
Cam Fannin Ins Agcy Inc
1810 50th St Lubbock, TX 79412
Texas American Insurers
7802 Indiana Ave #B Lubbock, TX 79423
Ashmore & Associates Insurance Agency, LLC
6102 82nd Street Lubbock, TX 79424
Sanford & Tatum Insurance Agency
6303 Indiana Ave Lubbock, TX 79413
Sims-Perrin Insurance Agency, Inc
3302 34th Street Lubbock, TX 79410
All Write Ins Agcy
P O Box 2647 Lubbock, TX 79408
Charles Short Insurance Agency, Inc.
2415 20th Street Lubbock, TX 79411
Alliance Insurance Agency
3307 82nd Street Lubbock, TX 79423
Arthur J. Gallagher Risk Management Services, Inc.
2727 81st St Lubbock, TX 79423
TWFG Insurance Services
2802 34th St. Lubbock, TX 79410
Cecil Dunn Ins Agcy
4120 Ave Q Lubbock, TX 79452
Grimes Insurance Agency, Inc.
1651 Broadway Lubbock, TX 79401
The average Lubbock resident's annual cost of coverage
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Lubbock Car Insurance
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