Cheap Auto Insurance Quotes in Lubbock, TX (2021)

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Car Insurance in Lubbock, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lubbock, TX to find you the cheapest quotes in the area.

$58
$111
$157
$193
$198
ProgressiveAllstateState FarmNationwideDirect Auto

Cheapest Car Insurance in Lubbock

Here are the cheapest carriers in Lubbock for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

$216
$222
$225
$258
$203
$174
TexasHoustonSan AntonioDallasAustinLubbock

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Lubbock, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.

  • $25,000 propery damage liability per accident

The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Insurify Insights: How Lubbock Drivers Measure Up

chevrolet
Chevrolet Silverado
Most Popular Car in
Lubbock, TX
suspended licenses
#46
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lubbock drivers measure up to their fellow Texas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Lubbock

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lubbock drivers rank 133 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #133
  • Percent of drivers in Lubbock with an accident: 8.63%
  • Drivers in Lubbock, TX with an accident in their driving history paid on average 42.21% more than drivers with a clean record

Speeding Lubbock

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Lubbock drivers rank 23 in the number of speeding infractions per driver.

  • Rank within state: #23
  • Percent of drivers in Lubbock with a speeding ticket: 10.99%
  • Drivers in Lubbock, TX with a speeding ticket in their driving history paid on average 42.21% more than drivers with a clean record

DUI/DWIs Lubbock

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lubbock drivers rank 111 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #111
  • Percent of drivers in Lubbock with a DUI: 1.2%
  • Drivers in Lubbock, TX with a DUI in their driving history paid on average 62.81% more than drivers with a clean record

Most Popular Vehicle Lubbock

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lubbock is the Chevrolet Silverado.

Rude Lubbock

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Lubbock drivers rank 30 in rude driving infractions.

  • Rank within state: #30
  • Percent of drivers in Lubbock with a reckless driving violation: 1.75%
  • Drivers in Lubbock, TX with a reckless driving violation in their driving history paid on average 43.72% more than drivers with a clean record.

Safest Drivers Lubbock

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lubbock drivers rank 50 in clean driving records across all cities in Texas.

  • Rank within state: #50
  • Percent of drivers in Lubbock with clean record: 82.39%

Failure to Yield the Right of Way Lubbock

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lubbock drivers rank 2 in failure to yield violations per driver across all cities in Texas.

  • Rank within state: #2
  • Percent of drivers in Lubbock with a failure to yield violation: 0.45%
  • Drivers in Lubbock, TX with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record

Reckless Drivers Lubbock

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Lubbock drivers rank 18 in the number of reckless driving offenses per driver.

  • Rank within state: #18
  • Percent of drivers in Lubbock with a reckless driving offense: 0.03%

Hybrid/Electric Vehicle Ownership Lubbock

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lubbock drivers rank 107 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #107
  • Percent of drivers in Lubbock with a hybrid/electric vehicle: 0.66%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.