Best Auto Insurance Rates in Lubbock, Texas

On average, your neighbors pay $77 a month.

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Monday, January 7 2019 By QuoteWizard

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
Source: Facts + Statistics: Auto insurance

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 to find the cheapest rates.

Best Car Insurance Companies in Lubbock, TX

These were the most common car insurance companies reported by QuoteWizard users living in Lubbock, Texas 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
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular Lubbock, Texas car insurance companies: USAA, Hartford, Texas Farm Bureau, 21st Century, Travelers, MetLife, Mercury, and Country Financial.

Top 10 Vehicles

These are the most common car makes and models owned by Lubbock, TX 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Lubbock, TX

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.

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 premium. That's because each ticket or accident can add points to your driver's license. If your insurer finds out, they won't like it and increase your rates. If you get a lot of points in a short preiod of time, your insurance company may change your status to non-preferred. They may even ask you to switch to an expensive non-standard or high-risk insurance policy.

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.

DWI Crashes and Injuries

Lubbock reported 265 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 148 injuries and nine fatalities.

Car Accident Statistics

Lubbock officials reported 5,552 car crashes in 2017. These crashes resulted in 3,607 injuries. 89 of them serious.

Traffic Fatalities

Lubbock experienced 14 fatal collisions in 2017 resulting in 18 deaths in motor vehicle crashes. All traffic deaths are a tragic loss, and considering Lubbock’s estimated population of 253,888, this is an average city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Lubbock reported 1,630 vehicle thefts in 2017. This is a rate of 5.14 per 1,000 residents. The national average is 2.37 thefts per 1,000 people. This makes Lubbock, TX one of the worst cities in the country for auto theft.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the auto 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 20%
  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. Are you married or getting married soon? Some insurers offer a discount for married couples
  4. 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
  5. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  6. Take a defensive driving course at an accredited driver safety school

Sources:

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