Lubbock Auto Insurance Rates, Quotes, Agents & Reviews in TX

Lubbock, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lubbock, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Lubbock, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Lubbock, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lubbock, TX with that of other cities in and around Lubbock.

Lubbock Slaton New Deal Shallowater Ransom Canyon Lubbock County
Average Insurance Rates $1,345 $1,861 $1,847 $1,891 $2,020 $1,880

Lubbock, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lubbock, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lubbock $2,804 $2,368
Lubbock County $1,815 $1,533
Wolfforth $1,252 $1,058
New Deal $1,512 $1,277
Buffalo Springs $1,453 $1,228
Ransom Canyon $1,319 $1,114
Shallowater $1,068 $902
Slaton $1,452 $1,227

Lubbock, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lubbock, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,364
20 Years $1,728
30 Years $1,331
40 Years $1,281
50 Years $1,186
60 Years $1,203
70 Years $1,400

Lubbock, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lubbock, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,287 $404
3 Vehicles $3,430 $605
4 Vehicles $4,573 $807

Savings on 2 Vehicles bundle:$404

Savings on 3 Vehicles bundle:$605

Savings on 4 Vehicles bundle:$807


Lubbock, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lubbock, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Lubbock $1,345 $2,094
Lubbock County $1,880 $2,927
Wolfforth $1,977 $3,078
New Deal $1,847 $2,875
Buffalo Springs $1,924 $2,995
Ransom Canyon $2,020 $3,145
Shallowater $1,891 $2,944
Slaton $1,861 $2,897

Lubbock, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,154
Excellent (740-799) $1,317
Good (670-739) $1,402
Average (580-669) $1,828
Poor (300-579) $2,194

Lubbock, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Charles Short Insurance Agency Inc Travelers 2415 20TH, LUBBOCK, 79411 806-763-4409
Michael Berg Farmers 5811 64TH ST Unit A, Lubbock, 79424 (806) 794-2584
Insurance Partners Travelers 7335 W 82Nd, Ste 4, Lubbock, 79424 None
Bledsoe Insurance Agency Inc Liberty Mutual Independent 5143 69Th St, Lubbock, 79424 None
Butler-Carson Insurance Travelers 4505 82ND ST STE 6, LUBBOCK, 79424 806-798-7979
Christopher Mardis Farmers 5124 82nd St, Lubbock, 79424 (806) 783-8717
Dennis Stotts State Farm 2819 74th St, Lubbock, 79423-1437 806-745-9013
Texas Insurance Partners Travelers 7021 Kewanee Ave. Ste. 2-102, Lubbock, 79424 None
Tammi Mcada State Farm 7021 Kewanee, Lubbock, 79424 806-793-2858
Elroy Carson Lutcf State Farm 3602 Slide Road, Lubbock, 79414-2532 806-794-2461

Lubbock, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$59 $1,404
Driver's Failure In Showing Documents +$130 $1,475
Driving With An Expired Registration +$139 $1,484
Driving At A Considerably Slow Pace +$292 $1,637
Using A Cellphone While Driving +$308 $1,653
Running A Red Light +$313 $1,658
Speeding +$330 $1,675
Driving A Vehicle Without The Required Permission +$418 $1,763
Driving With An Expired/Suspended License +$907 $2,252

Lubbock, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,291
Active Disabling Device $1,291
Tracking Device $1,264
Passive Disabling Device $1,251

Latest Auto Insurance Reviews in Lubbock, TX | Back to Top

Geico
I have had a good experience with this company's customer service department. I have filed claims against my policy and the responsiveness has been excellent.
Progressive
The offerings are competitive to any other major insurance agency. You can choose a very comprehensive policy or a more standard one. It can be catered to your exact needs and budget.
State Farm
We are very satisfied with State Farm as our car insurance company. Their customer service has always been top notch for us and we've never had a problem.
Geico
I have had to call Geico customer service on one occasion after an accident and I found them to be caring and prompt in their responses to me. I don't recall have to wait on the phone very long.
Usaa
They offer coverage for drivers without a car, cars that are in storage, etc. They also offer roadside assistance for about a dollar per month. I haven't really looked around at other providers.
Farmer's Insurance
Yes the premium is high because the state I live in. My deductible is reasonable should I need to submit a claim. The only claim I submitted thus far is for roadside service.
State Farm
Again I am completely happy with State farm. They are the best company with the cheapest price around anywhere.
State Farm
Again I am completely happy with State farm. They are the best company with the cheapest price around anywhere.
Geico
So far I did not have any reasons to dislike my provider. What I liked was the customer interaction being very friendly and courteous. Another thing was the good premium I have received on my two cars.
Allstate
I am a fairly new driver allstate offers low insurance rates along with safe driving bonus points where i can earn money back off of my policy. I can also redeem my points at allstate rewards for some cool things. the coverage they offer is amazing and low compared to everyone else. i love allstate.
Geico
Customer service for Geico is very helpful. If you are unhappy with something, the representatives always make sure to help fix the problem or offer a good solution.
State Farm
Honestly, I dont have much interaction with my insurance company. It is not that I am unable to use the help, I just don't need to use it a lot. With that being said, the few times I do need help, I have simply called my rep on the phone and was helped immediately.
The General Auto Insurance
I have great coverage from damage to the car to medical insurance for the family and damages to third parties I think I have the best coverage possible
Amica Mutual Insurance
They are good for customer services, prices, and accessability. I can get them on the phone in seconds it seems
Geico
It is a solid company that is straightforward and honest but knows their value.Basic coverage for a reasonable price
State Farm
Overall I have very few complaints, as State Farm's prices are decent and I haven't had any bad experiences with the company yet.