Best Auto Insurance Rates in Lubbock, Texas

On average, your neighbors pay $77 a month.

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Wednesday, May 9 2018 By Larry Canonica

Average Lubbock Car Insurance Rates

How much is car insurance in Lubbock, TX? Residents of Lubbock shouldn't be surprised that average rates here are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85

The graph below shows the change in average auto insurance rates in Texas from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Lubbock, Texas and save up to 40% on your premium.

Last year, 6,068 people used QuoteWizard to compare auto insurance quotes in Lubbock, TX from multiple companies.

Top 10 Vehicles in Lubbock

These are the most common car makes and models owned by Lubbock drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet C1500 Silverado
  3. Ford Mustang
  4. GMC Yukon
  5. Ford F250 Super Duty
  6. Nissan Altima 2.5 S
  7. GMC Sierra C1500
  8. Chevrolet Impala LS
  9. Ford Taurus SE
  10. Dodge Ram 1500
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Best Car Insurance Companies in Lubbock

These were the most common car insurance companies reported by QuoteWizard users living in Lubbock, TX last year. Of these users, 882 were uninsured.

  1. Progressive
  2. GEICO
  3. State Farm
  4. Farmers
  5. Allstate
  6. Esurance
  7. Liberty Mutual
  8. Nationwide
  9. AIG
  10. AAA
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Other popular Lubbock, Texas car insurance companies: USAA, Hartford, Texas Farm Bureau, 21st Century, Travelers, MetLife, Mercury, and Country Financial.

Lubbock Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Lubbock ranked 45th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.9 years, almost exactly the national average. Of the 6,068 Lubbock drivers that used QuoteWizard last year to request insurance quotes, 349 had incidents on their driving records.

Lubbock drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Several factors influencing your insurance rates are weather, driving, and road conditions.

Weather

Lubbock weather has a mild, semi-arid climate which is somewhat ironic considering the city's temperature swings in the summer. Summers are very hot, but overnight temperatures can be very cold, especially in the winter. In fact, this city gets an average of 8.2 inches of snowfall annually. While it does rain, there isn't much of it with most falling between May and September.

Road Conditions

The winter cycle of freezing and thawing roads creates numerous potholes which can appear anytime and anywhere throughout the city. The potholes can be large enough to cause serious damage to your car should you drive over a large one. If you see a pothole, please report it to the city immediately so road crews can repair it.

Moving Violations

Moving violations like speeding, failure to stop, speeding, and drunk driving will give you a bad driving record and raise your insurance rates.

Traffic Tickets

The City of Lubbock Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Lubbock DWI insurance.

Car Accident Statistics

Lubbock officials reported 5,411 car crashes in 2016. These crashes resulted in 3,848 injuries, 67 of them incapacitating.

DWI Crashes and Injuries

Lubbock reported 245 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 192 injuries and eleven fatalities.

Traffic Fatalities

Lubbock experienced 25 fatal collisions in 2016 resulting in 27 deaths in motor vehicle crashes.

This works out to a fatality rate of 10.69 per 100,000 residents. All traffic deaths are a tragic loss, and considering Lubbock’s estimated population of 252,506, this is an average city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Lubbock reported 950 vehicle thefts in 2016. This is a rate of 3.81 per 1,000 residents.

Legal Minimum Insurance Requirements

Lubbock, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The total amount your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The most your insurance company will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Lubbock, TX.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount.
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  5. Are you married or getting married soon? Some insurers offer a discount for married couples
  6. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  7. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  8. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  9. Take a defensive driving course at an accredited driver safety school
  10. Shop around and compare low-cost Lubbock car insurance quotes

Sources:

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