Find Car Insurance in Lubbock, TX

What You Should Know About Car Insurance in Lubbock, Texas

Located in the heart of the South Plains, Lubbock offers a blend of urban amenities and small-town charm. With over 270,000 residents, the city is known for its rich history, cultural events, and Texas Tech University. Lubbock’s economy thrives on education, agriculture, and healthcare, and the city hosts popular events such as the Lubbock Arts Festival, the Pancake Festival, and Culture Fest.

Driving in Lubbock is generally smooth, thanks to major highways like I-27 and U.S. 62/82. However, the area is prone to severe weather, particularly thunderstorms and occasional tornadoes, which can affect driving conditions, especially in the spring. Staying updated on weather alerts is important for safe travel.

Living in Lubbock County, as well as across Texas, it’s essential to have car insurance. Minimum liability coverage is required to cover damages or injuries you may cause in an accident. Adding additional coverage, such as collision or uninsured motorist protection, can provide extra security. At InsureOne, we offer top-rated insurance carriers, flexible Texas car insurance plans and affordable options to residents of Lubbock.

How Much Does Car Insurance Cost in Lubbock, Texas?

How much you pay for car insurance depends on multiple factors, including your location. In Lubbock, the average cost for minimum required coverage is around $45 per month. For full coverage, that price increases to $167. Nationwide, the average is $66 for minimum liability and $223 for full coverage.

In Texas, the average costs are $60 for minimum liability and $214 for full coverage, so Lubbock drivers might find rates that are more affordable compared to other regions.

What Does Full Coverage vs Minimum Liability Mean?

Across Texas, liability insurance is mandatory, covering the damages you cause to others if you’re at fault in an accident. This includes bodily injury and property damage, but it doesn’t cover your own vehicle or medical expenses.

Full coverage, on the other hand, includes both comprehensive and collision coverage, which protects your own vehicle in accidents and incidents like theft or damage, such as hail, which is common in Lubbock. While full coverage costs more, it provides greater financial security by covering both your car and medical bills.

Affordable Car Insurance Rates Comparison by Cities in Texas

There are many factors that go into an insurance quote – location is a major one since some areas have more congestion, which leads to more accidents, which causes more claims. That is why where you live plays a part. Compare some other cities in Texas to the average in Lubbock to see an illustration of how that works.

City	Full Coverage Insurance	Liability Insurance Coverage
Lubbock	$167	$45
Arlington	$181	$51
Dallas	$184	$54
Athens	$149	$41
Plano	$162	$52

How Bundling Your Car and Homeowners Insurance Can Save You Money in Lubbock

Bundling your car and homeowners insurance in Texas can save you money with discounts from insurers for combining policies. Insurance companies often reward customers who bundle by offering lower rates on both car and home coverage. Here’s how bundling can benefit you:

• Save Money: Insurance companies often offer discounts of up to 20% when you bundle your car and homeowners insurance, providing substantial savings over time.
• Simplified Management: With a single point of contact for claims, payments, and policy updates, managing both policies becomes much easier.
• Better Coverage Options: Bundling often gives you access to enhanced coverage, such as improved liability coverage or added protection for your home.
• Convenience: By combining policies, you reduce paperwork and administrative tasks, making it simpler to track your coverage.

In addition to the financial benefits, bundling can ensure that both your home and car are adequately protected under one comprehensive plan.

What Types of Car Insurance Discounts are Available in Lubbock?

Many insurers offer discounts to help lower your car insurance premiums, and InsureOne provides a range of savings options. Discounts may be available for factors such as your driving history, vehicle safety features, or multi-policy bundling. Safe drivers, students with good grades, and those with anti-theft systems in their cars can also qualify. InsureOne offers additional discounts for military personnel, first responders, and loyal customers. Here’s an example:

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Anti-lock brakes	3% Off
Auto-pay	5%
Military	15% on base, 90% deployed
Good Student	15%

Notable Car Insurance Laws in Lubbock

Drivers are required to carry proof of insurance when operating a vehicle in Lubbock. If stopped by law enforcement, you must provide this proof in either physical or electronic form. Vehicles must also be properly registered and insured before they can be legally driven.

Failure to comply with insurance requirements can lead to fines, vehicle impoundment, and license suspension. Additionally, ride-sharing services, such as Uber and Lyft, must carry the appropriate insurance coverage while operating within the city limits. See below for a closer look into important car insurance laws in Texas.

What are the Mandatory Car Insurance Requirements in Lubbock?

Liability insurance with minimum coverage of $30,000 for bodily injury per person, up to $60,000 per accident, and $25,000 for property damage is mandatory in Lubbock. This coverage ensures that if you’re at fault in an accident, you can cover the costs of injuries and property damage to others.

While additional coverage options like Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM/UIM) are not required, they must be offered by insurers, and you can opt out if desired. Additionally, vehicles used by transportation network companies must also meet these minimum insurance requirements.

What is the Penalty for Driving without Insurance in Lubbock?

It’s never a good idea to drive without proof of insurance in Lubbock. The penalties for driving uninsured can be severe:

• Fines: First offense fines range from $175 to $350, with repeat offenses reaching up to $1,000.
• Vehicle Impoundment: Your vehicle may be impounded, and you’ll incur daily storage fees.
• License and Registration Suspension: If you’re involved in an accident while uninsured, your license and registration may be suspended.
• SR-22 Requirement: You may be required to file an SR-22 certificate to reinstate your driving privileges.
• Additional Costs: A $250 annual surcharge for three years, totaling $750, may also apply.

Having proof of insurance is essential not only to avoid these legal and financial consequences but also to protect yourself and others on the road.

What Factors Go into My Car Insurance Cost in Lubbock?

Car insurance premiums are influenced by a combination of personal, vehicle-related, and geographic factors. Understanding these elements can help you anticipate your insurance costs and identify potential savings opportunities.

• Type of Vehicle: The type of car you insure plays a part in your price. Vehicles that are expensive to repair or lend themselves to theft may be more expensive to cover.
• Age: Young, inexperienced drivers will always have a high insurance bill. This is because as a group, they file more claims, plus there is no driving history to examine. There are ways to reduce auto insurance costs for teen drivers, including choosing the right type of car.
• Other Demographics: Insurers look at a variety of specific demographics, including marital status, level of education completed and job title.

Typical Driving Conditions in Lubbock

Driving in the “Heart of the Plains” is generally straightforward, with a well-planned grid system and major roads like Loop 289, U.S. Highways 62/82, and Interstate 27 making navigation easy. The area’s lower traffic volume compared to larger cities contributes to a smooth driving experience. However, weather can present challenges, especially in the spring and summer.

Severe thunderstorms, hail, and even tornadoes are common, making road conditions hazardous with little warning. It’s important to stay updated on weather forecasts and real-time road conditions. Additionally, the dry climate can create dusty roads, reducing visibility, particularly on windy days. Ensuring your vehicle is well-maintained and familiarizing yourself with emergency procedures for extreme weather can help keep you safe on the road.

How Many Car Accidents Happen in Lubbock Per Year?

Besides a high number of DUI incidents, aggressive drivers and accidents, Lubbock saw crashes involving 12,027 vehicles and resulting in 3,263 possible injuries in 2022. For a closer look into that year, Texas Department of Transportation reported these numbers:

CRASH CATEGORY	TOTAL
Total Fatal and Injury	6,624
Fatalities	35
Serious Crashes	79
Non-Injury Crashes	3,629
Unknown Severity	418

How Many Uninsured/Underinsured Motorists are in Lubbock?

The Texas Department of Motor Vehicles reports 1 in 5 drivers are driving without insurance. Look around you while driving on Skyline Drive, Big Town Boulevard or Motley Drive. It’s scary to think that out of 5 cars around you, one may be driving with no way to help you pay for repairs and medical bills if they cause an accident and you are injured.

Uninsured motorist coverage (UM) is not required in Texas, but it is an inexpensive way to protect yourself in the event of a wreck involving someone with no insurance. For a cost that usually amounts to 5% of your annual bill, it is truly a bank balance saving tool to add to your protection package.