Lubbock, TX Car Insurance

Residents of Lubbock pay, on average, about $58 per month for car insurance. To learn more about what you're likely to pay in the Lubbock area, read our guide below.
Are rates in Lubbock higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What can Lubbock residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Lubbock?

Area Average Monthly Car Insurance Premium
Lubbock$58
TX$64
United States$80

Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Lubbock than it is in the rest of Texas.

Compared to the national average cost of auto insurance coverage, Lubbock has lower rates. The average monthly payment in Lubbock is about $22 cheaper than the rate for the rest of the U.S.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for Lubbock so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$54
35-44$49
45-54$45
55-64$42
65+$49

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to go back up in Lubbock.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$57

Car insurance rates for men are usually slightly more expensive than they are for women. In Lubbock, however, the difference in the monthly cost of coverage is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$91
Multiple Accidents$87
1 Ticket$75
Multiple Tickets$79

Your driving record can have a huge impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. In Lubbock, a driving record with a single accident will usually get you a rate around $75 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$55
4-5 Years$54
6-7 Years$64
8-10 Years$61
11-14 Years$57
15 Years or Older$56

In terms of affordable coverage, the cheapest vehicles to insure in Lubbock are usually SUVs, trucks, and vans, at $55 per month.

Car owners, meanwhile, pay on average $60 a month to insure their vehicle.

Your rates can also vary depending on how old your vehicle is. Overall, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Lubbock, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$49
Divorced$46
Widowed$48

Generally, people who are married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

The cost of auto insurance in Lubbock reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$59
Live with parents$91

Another factor that comes into play is your living accommodations. If you rent your home or apartment in Lubbock, expect to pay around $10 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Lubbock, TX

Recent trends in car insurance for Lubbock drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The rates for auto insurance in Lubbock have been steadily increasing, reaching a high of $63 in 2021.

How does Lubbock compare to neighboring areas?

Why are car insurance rates in Lubbock different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. Many factors affecting your policy are based around your home address. These factors include things like:

  • Local crime rates
  • Total number of drivers in the community
  • Laws
  • Road Safety (how many accidents each locality has)
  • Off-street parking accessibility

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Lubbock?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Lubbock.

Compare the cheapest quotes from dozens of insurance companies

Lubbock Insurance FAQs

What factors affect car insurance quotes in Lubbock?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Lubbock different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Lubbock?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lubbock?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lubbock or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes