Cheap Car Insurance in Lubbock, TX

Are you unhappy with your cheap auto insurance in Lubbock, TX? At AutoInsuranceEZ.com, you don’t have to be after today. We have the best resources on the internet to point you in the right direction towards car insurance companies in your area that offer comprehensive coverage at an affordable price.

Lubbock, Texas is such a well-known “Hub City” that that also happens to be the nickname of this Township. Economically, it’s one of the best places to start a new business and even attracts students from all of the world thanks to its international educational opportunities and extensive Baccalaureate programs.

  • Fun fact: The City of Lubbock is on the short list of most populous cities; it’s the number 83 most populous cities in the US, and it’s number 11 of the most populous cities in the state of Texas. Uncover more about Lubbock.

Auto Insurance Coverage Requirements in Texas

Driving legally in Lubbock requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

It’s your responsibility as a driver to work with your insurance company and pick just the right amount of coverage for your vehicle. Liability only is it popular option because it is the least expensive; but not purchasing enough coverage on certain types of vehicles can get very expensive very quickly. It’s a delicate balancing act.

The average monthly premium for car insurance in Texas is around $194. Unfortunately, for motorists in Lubbock, that can be even higher! Some drivers who use the resources on our website have been able to cut that number in half – and you can too.

Average Monthly Auto Insurance Premiums Legend: Lubbock Safe Auto The General Allstate Jupiter Auto Dairyland 20 40 60 80 100 120 140 160 180 200 220 $76 $229 $74 $80 $78

 
The Texas Farm Bureau is a local insurance company that offers some of the cheapest monthly premiums for Lubbock residents. Major providers like GEICO, Progressive, and 21st Century also operate within the state. It’s important to find a premium that you can afford, but it’s also important to find a company that will be there for you when you need to file a claim and so you can get back on the road. Thankfully, these two attributes are not mutually exclusive.

Companies that provide Texas auto insurance coverage are calculating your monthly premium based on the number of different factors. Some of the more important ones include your location, your vehicle, and specific statistics about driving risks in your area. Your job and your driving record may also drive your premium up or down.

Major Car Insurance Factors in Lubbock

There are several ways in which your car insurance rate can be calculated. But not all of it is out of your control; there are actions you can take to be able to influence which discounts you are eligible to acquire. Listed below are some of these elements in greater detail:

Your Zip Code

There are hundreds of thousands of people living in Lubbock right now according to the latest US Census. That’s a lot of other drivers on the road! The more populated your city is, the more likely you are to get into an accident. This is especially true if you spend a lot of time driving both recreationally and to and from work. As of 2016, 252,514 people were reportedly living in Lubbock. The estimated average income is $48,103 annually.

Auto Insurance by Zip Code Legend: Lubbock Dallas Fort Worth Safe Auto The General Allstate 20 40 60 80 100 120 140 160 180 200 220 240 $76 $80 $49 $229 $247 $218 $74 $110 $90

Automotive Accidents

If you need any inspiration to drive safely in Lubbock, remember this one important fact: based on the statistical data, you have a 1 in 100,000 chance of getting into a fatal accident at any moment while you are behind the wheel. For some cities, this number is relatively low. In other areas, this is extremely high. If your insurance company decides that these numbers but the odds in your favor of avoiding a crash, they will likely charge it lower premiums for your coverage.

Fatal Accidents in Lubbock, TX Legend: Lubbock Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes 5 10 15 20 25 30 35 40 45 50 55 60 $25 $40 $7 $28 $61

Auto Thefts in Lubbock

There were over 1,000 auto thefts in Lubbock during 2016. For many insurance providers, this is a very frightening number! This may not raise your monthly premium too much if you are driving an older car that isn’t typically targeted by auto thieves. On the other hand, newer and higher-priced vehicles are definitely at risk – and so is your ability to find an affordable car insurance premium.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Safe Auto The General Allstate 20 40 60 80 100 120 140 160 180 200 220 240 $76 $229 $229 $242 $74 $237

Your Credit Score

How is your credit? You don’t have to tell us now, but you will have to answer that question for your insurance company. The higher your credit, the more likely you are to get a low rate. Whether it’s conflation or correlation, insurance companies have observed a pattern between safe drivers, drivers who pay their premiums on time, and a higher credit score. That’s why monthly premiums tend to be cheaper for people with good scores.

Auto Insurance by Credit Score Legend: Good Credit Poor Credit Safe Auto The General Allstate 20 40 60 80 100 120 140 160 180 200 220 240 260 280 $76 $85 $229 $299 $74 $116

Your Age

Drivers with more experience – up to a certain point – are more likely to avoid an accident and than younger, inexperienced ones. As a matter of fact, teenagers within their first year or two of driving are statistically more likely to get into an accident than not. This is the main reason why auto insurance for teenagers and young adults in their early twenties can seem astronomically high.

Auto Policy Age Comparison Legend: 17 Year Old Driver 35 Year Old Driver Safe Auto The General Allstate 35 70 105 140 175 210 245 280 315 350 385 420 $287 $76 $449 $229 $264 $74

Your Driving Record

Your driving record says a lot about who you are as a motorist, how likely you are to file a claim in the future, and how expensive those claims will be. Even something as seemingly trivial as a small speeding ticket can send your premiums soaring through the roof if it rings alarm bells for your insurance provider. Having a clean record at least three to five years out before applying for a new policy will help you get lower rates.

Driving Violations Legend: Perfect Record Minor Violation Major Violation Safe Auto The General Allstate 20 40 60 80 100 120 140 160 180 200 220 240 260 280 300 320 $76 $104 $238 $229 $229 $242 $74 $133 $321

Your Vehicle

Certain types of vehicles require more coverage than others. And more expensive coverage at that! Basically, the younger, shinier, prettier, and more expensive your vehicle is, the more you will have to pay to keep it financially protected. Drivers of older yet reliable vehicles won’t have to suffer such a financial burden when it comes to paying their premiums.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette Safe Auto The General Allstate 25 50 75 100 125 150 175 200 225 250 275 300 $76 $178 $229 $301 $74 $224

Minor Car Insurance Factors in Lubbock

While the factors below tend to have a smaller effect in making your premium more or less expensive, they are none the less important:

Your Marital Status

Oh, to be in love…it isn’t just a wonderful thing in general. It’s also good news in the eyes of your insurance company. Married individuals tend to be a little bit safer behind the wheel. They also tend a bundle insurance policies with their spouse, which gives your insurance company more business and which prompts them to reward you with a nice discount.

Your Gender

You’ve probably heard theories that men are more aggressive drivers than women, and therefore more dangerous behind the wheel. While some statistical data shows this to be true, more and more auto insurance companies are ignoring it in favor of giving their customers a relatively equal rate – regardless of gender. But that doesn’t mean you shouldn’t ask your insurance agent what their company policy is when it comes to pricing coverage by gender.

Your Driving Distance to Work

Despite Lubbock being such a big city with so many people, it usually doesn’t take that much time for people to get to work. Your average commute can be anywhere from 10 to 20 minutes, which means you’ll be spending less time on the road and more time saving money on a lower car insurance premium.

You may also want to try driving fewer miles each year in order to get a discount from your provider. Granted, some commuting – such as driving back and forth to and from work – simply cannot be helped. But carpooling with coworkers or with friends on the weekend when you go out is a good way to start reducing your annual mileage.

Your Coverage and Deductibles

Lots of drivers know that there’s an inverse relationship between your deductible and your car insurance premiums. The higher your deductible, the less money your insurance provider will have to pay out if you do file a claim. They like to reward drivers who agree to take more financial responsibility by lowering their premiums. But if you have a $500 or a $1,000 deductible and you get into a serious accident, it could take a long time for you to get back on the road if you don’t have any money saved up.

Education in Lubbock, TX

There’s little more than a 4-6% difference between people in Lubbock with a high school diploma and a bachelor’s degree. While nearly a quarter of the population stopped after they graduated high school, another 22% went on to improve their lives by pursuing a higher education.

Texas Tech University is one of the most prestigious institutions of Higher Learning in Lubbock. The highest level of Education they offer is a Doctorate Degree, and they specialize in the Health Sciences. Lubbock Christian University is a less popular religious institution of higher learning which may also offer Doctorate Degrees in certain subjects. Beyond that, you have private colleges such as Kaplan and the Covenant School of Nursing and Allied Health.

At the end of the day, your education, your credit score, and your driving record will all play a part in determining how much your car insurance cost. But the biggest player in that equation is you! You can take charge of your financial destiny and compare rates right now with our car insurance comparison quotes tools. We can virtually guarantee you a lower rate in 5 minutes or less.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov