Lubbock, TX Car Insurance

What rates should residents of Lubbock expect to pay for their car insurance? How does Lubbock compare to the surrounding area and the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Lubbock?

Compared to the rest of the Texas, coverage in Lubbock is about $7 a month cheaper.

When stacked up against the national average, the average monthly policy payment for Lubbock is more affordable. It's about $22 cheaper than the national average to insure your vehicle in Lubbock.

These rates may be the average amount Lubbock residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

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 sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Lubbock Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Lubbock may see their rates begin to increase again once they hit retirement age.

Lubbock Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. The price to insure your vehicle in Lubbock, however, is about the same for either group.

Lubbock Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. In Lubbock, having a single accident on your record will usually get you rates around $75 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $73.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Lubbock Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Lubbock are usually trucks and vans, which run about $54 per month.

SUV drivers will see rates of about $55, while the rates for car owners average out to about $60 per month.

Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Lubbock, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Lubbock Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Lubbock can be as much as $13 a month, so it's worth taking into consideration.

Lubbock Car Insurance Rates by Housing Situation

Your housing situation is another factor that affects your monthly rate. In Lubbock, homeowners can expect to pay around $9 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Lubbock, TX

Recent trends in car insurance for Lubbock drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Lubbock, auto insurance rates had been increasing from 2017-2018 -- where they hit a high of $62 -- before steadying out in 2019. Car insurance rates increased again in 2020, and finished down at $57 in 2022.

How does Lubbock compare to neighboring areas?

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

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

• Total amount of drivers in the area
• Access to off-street parking
• Road safety
• Regional laws
• Local crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Lubbock?

Arming 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.

Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Lubbock.

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Lubbock Auto Insurance FAQs

What factors affect car insurance quotes in Lubbock?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.

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

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lubbock or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.