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How much is car insurance in Lubbock?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month cheaper to insure your vehicle in Lubbock than it is in the rest of Texas.
Likewise, the expected monthly payments for an auto insurance policy in Lubbock are below the national average. You can expect to pay about $23 less for your policy in Lubbock than in the rest of United States.
Bear in mind that while these are the average car insurance rates for Lubbock, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't sweat it however, we've broken down average rates for Lubbock residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Lubbock may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The price for auto insurance in Lubbock, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Lubbock, a driving record with a single accident will usually get you a rate around $73 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $74.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$56|
As you can see in the first table above, the cheapest vehicles to insure in Lubbock are typically 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.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, 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, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Lubbock can be as much as $13 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
One other element taken into consideration is your housing situation. Drivers who own property in Lubbock can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Lubbock, TX
Recent trends in car insurance for Lubbock drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for auto insurance in Lubbock increased from 2017-2018, where they hit a high of $62, before steadying out in 2019. Rates had been increasing again in 2020, and finished down at $54 in 2022.
How does Lubbock compare to neighboring areas?
Why are car insurance rates in Lubbock different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Availability of off-street parking
- Local regulations
- Frequency of car accidents
- Crime rates
- Number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Lubbock?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Lubbock in no time.
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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 like your gender and age, but also factors like your vehicle's year, make and model, 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?
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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Lubbock?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lubbock or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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