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.
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 Rates
- Lubbock, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lubbock, TX
- Multi Vehicle Insurance Savings in Lubbock, TX
- How Credit Score Affects Car Insurance Rates in Lubbock, TX
- How DUI Affects Auto Insurance Premiums in Lubbock, TX
- Top Auto Insurance Agents Near Lubbock, TX
- How Driving Violations Affect Auto Insurance Rates in Lubbock, TX
- Lubbock, TX Auto Insurance Discounts on Anti Theft Feature
- Lubbock, TX Auto Insurance Company Reviews
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
GeicoI 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.
ProgressiveThe 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 FarmWe 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.
GeicoI 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.
UsaaThey 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 InsuranceYes 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 FarmAgain I am completely happy with State farm. They are the best company with the cheapest price around anywhere.
State FarmAgain I am completely happy with State farm. They are the best company with the cheapest price around anywhere.
GeicoSo 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.
AllstateI 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.
GeicoCustomer 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 FarmHonestly, 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 InsuranceI 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 InsuranceThey are good for customer services, prices, and accessability. I can get them on the phone in seconds it seems
GeicoIt is a solid company that is straightforward and honest but knows their value.Basic coverage for a reasonable price