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Auto Insurance in Lubbock, TX (The Complete Guide)

Density2,211 people per square mile
Average Cost of Insurance in Lubbock$5,752.72
Cheapest Car Insurance CompanyUSAA
Road ConditionsPoor: 39%
Mediocre: 24%
Fair: 5%
Good: 32%

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Lubbock is the 11th-most populous city in the Lone Star State. The city has a pivotal role in the American music scene, with legends like Buddy Holly having called Lubbock home.

The city has grown rapidly, with population swelling by more than 27 percent since 2000. A large portion of its residents are young, with the median resident age being 29.4 years, whereas the median age for Texas as a whole is 34.7 years.

The city attracts visitors for several festivals it organizes during the year, including the annual Independence Day festival — the largest free festival in Texas.

With more than 80 percent of residents of this youthful city preferring to drive/ride in cars, there are a lot of vehicles on the road. Consequently, it’s crucial that you have the best auto insurance coverage possible while driving here.

In this comprehensive guide to auto insurance in Lubbock, we will discuss the local auto insurance market, including topics such as coverage type, coverage rates, factors impacting your premium, and much more.

We hope you can use this guide to choose the correct auto insurance policy for you.

You can also start your comparison shopping today using our FREE online tool. Enter your ZIP code above to get started!

Table of Contents

The Cost of Car Insurance in Lubbock

The average car insurance in Lubbock is $5,752.

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Lubbock, TX against other top US metro areas’ auto insurance rates.

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How can you save on your auto insurance premium? You must first understand what factors go into calculating your auto insurance rate.

In this section, we will look at the important factors that can impact your auto insurance in Lubbock.

Male vs. Female vs. Age

Your age is a critical factor in helping auto insurance companies determine your auto insurance rates — especially if you’re a young driver.

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Lubbock. TX does use gender, so check out the average monthly car insurance rates by age and gender in Lubbock, TX.

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Insurance companies consider young drivers more susceptible to reckless driving, accidents, and tickets. Because of the higher risk and lack of driving know-how, insurers play it safe and price the policy higher than the average.

Lubbock, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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As you gain experience as a driver, you move into a lower risk bracket and get cheaper rates.

Around the age of 35, you usually tend to see the average rates drop to near minimum. This is after you have kept a clean driving record and have favorable reports for other factors, such as your credit score.

As per DataUSA, the median age of residents in Lubbock is 29.4 years old.

Therefore, many residents are still paying relatively high premiums for their car insurance. Let’s look at the average insurance rates for different age brackets in Lubbock:

Average Annual Rate$7,591.97$3,184.30$2,560.57$2,404.5860

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As you can see, insurance rates are highest for teens and tend to come down drastically as you gain experience.

But the thing to remember here is that these are average annual rates and may not apply to you. Based on a number of factors, you may end up paying a different amount for your auto insurance coverage.

The next demographic factor we need to consider is gender. Does your gender play a role in determining your auto insurance rates?

Unfortunately, it does in Texas. Currently, only seven states, including California, Hawaii, Massachusetts, Montana, North Carolina, Pennsylvania, and parts of Michigan, do not allow insurance companies to consider gender as a factor in your auto insurance rates.

In Lubbock, the average insurance rate for males is $3,935, while for females, it is $3,719. In Lubbock, males have to pay slightly more for insurance coverage than females. On average, this is in line with what we have seen across the country.

Your marital status is also a factor that can influence your auto insurance rate.

Let’s look at the average insurance rate in Lubbock organized by gender, age, and marital status:

Single 17-year old female$6,924.22
Single 17-year old male$8,259.71
Single 25-year old female$3,088.20
Single 25-year old male$3,280.40
Married 35-year old female$2,523.67
Married 35-year old male$2,597.47
Married 60-year old female$2,342.02
Married 60-year old male$2,467.15
Overall Average$3,935.36

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As you can see, teens pay more than double the premium rate of a 25-year-old driver. By the age of 35, your marital status and driving experience can further decrease the rates by around $600-$700.

Why the difference?

Well, partly because by the age of 35 you have probably established a good driving record, credit score, etc. However, insurance companies have also observed that married people are less likely to engage in risky behavior in general, and therefore less prone to filing claims.

The lower the risk to the insurer, the lower the premium for you.

Cheapest ZIP Codes in Lubbock

What we discussed thus far are average rates by age and gender. However, where you live can significantly influence your auto insurance rate, because insurance companies use ZIP codes to determine your risk profile.

Find more info about the monthly Lubbock, TX auto insurance rates by ZIP Code below:

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Where you live can give insurers the following information:

  • Number of accidents reported per year from your neighborhood or ZIP code
  • Numbers of claims made
  • Cost of living
  • Car thefts in your ZIP code
  • Crime rate

Here are the average rates in Lubbock organized by ZIP codes:

Zip codeAverage Annual Rate
79424 $5,275.25
79407 $5,317.70
79423 $5,379.91
79413 $5,385.08
79414 $5,406.63
79416 $5,407.95
79410 $5,412.08
79406 $5,589.08
79401 $5,699.35
79412 $5,717.48
79411 $5,723.76
79415 $5,757.54
79404 $5,833.21
79409 $5,835.63
79402 $6,504.20
79430 $7,732.63

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In a smaller city like Lubbock, where you’re located can impact your insurance rate. The difference in the average annual auto insurance rate between the cheapest ZIP code in Lubbock (79424) and the most expensive (79430) is around $2,500.

What’s the best car insurance company in Lubbock?

Finding the “best” insurance company can be a little subjective. What is best for someone else may not be best for you.

The cheapest Lubbock, TX car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Texas car insurance company rates?” We cover that as well.

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Choosing an insurance company involves a number of different factors.

Insurance companies use sophisticated models to calculate risk and then determine their premiums from there. The risks are based on several factors that make up your risk profile.

Each insurance company may weigh risks a little differently, and their rates will reflect that. The best strategy is to shop around to check for the best insurance quotes.

In this section, we will discuss the most economical insurers based on different factors that can potentially impact your auto insurance rate.

Cheapest Car Insurance Rates by Company

Which is the most affordable insurance provider in Lubbock?

As almost all top insurers are licensed in the city, you have plenty of options to choose for your car insurance.

The competition usually provides an excellent opportunity for consumers to get some discounts. However, the cheapest insurance company for you will depend on your demographics.

Based on the data provided by Quadrant Data Solutions, here are the cheapest insurance providers across different demographics:

GroupSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleAverage
State Farm$4,928.64$6,290.66$2,213.74$2,279.30$2,032.25$2,032.25$1,812.00$1,812.00$2,925.11
American Family$7,431.57$9,743.09$4,103.20$4,674.33$2,881.11$3,200.74$2,654.33$3,036.76$4,715.64

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We saw earlier that average insurance rates decline with age. The insurance rate is highest for teens; however, the rates differ significantly among insurance companies.

A teen looking to save on premiums can move from Progressive (the most expensive) to USAA (the least expensive) and save around $6,262.

However, just as we mentioned that insurance companies use different models, Progressive is no longer the most expensive option for drivers at the age of 25. A 17-year-old driver with coverage from Progressive can potentially see their insurance rates drop by around $8,343 by the age of 25.

The four cheapest insurance companies in Lubbock are USAA, State Farm, Geico, and Nationwide.

We strongly suggest that you shop around and seek quotes from different insurance companies.

Nevertheless, you should not base your insurance purchase solely on who is offering you the cheapest rate. You should consider several factors before choosing an insurance company, including the policy coverage, service quality, claim settlement record, and many more.

Best Car Insurance for Commute Rates

How much you expect to drive throughout the year can impact your premium.

Insurance carriers will want to know how much you’ll be driving because it helps them calculate your risk accurately.

The more you drive, the greater the potential for an accident.

As we mentioned earlier, different carriers may use different risk models, and therefore you might be placed into different risk categories.

According to the Federal Highway Administration, the average annual mileage for a driver in Texas is 15,533 miles. This is slightly more than the U.S. average of 14,132 miles.

This can be used as a benchmark to calculate your risk.

We partnered with Quadrant Data Solutions to understand the impact of commute time on your insurance rate in Lubbock. Here’s the summary organized by insurer and annual commute:

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
State Farm$2,925.11$2,925.11$2,925.11
American Family$4,715.64$4,715.64$4,715.64

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As you can see, every carrier handles additional commute times differently. Some insurance carriers increase their premium amount based on length of commute.

However, State Farm, Nationwide, American Family, and Progressive do not increase insurance rates for a reasonable increase in annual commute.

Therefore, it is strongly advised that you shop around if you know you may have to clock a higher mileage in the coming year.

Best Car Insurance for Coverage Level Rates

If you choose to purchase additional coverage or supplement your policy with add-ons, your insurance rates might increase.

Your coverage level will play a major role in your Lubbock, TX car insurance rates. Find the cheapest Lubbock, TX car insurance rates by coverage level below:

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This is because any additional coverage or add-on is increasing the risk exposure of your insurance carrier.

In Lubbock, the good news is that the difference between levels of coverage is marginal. You are well-positioned to have the best coverage to protect yourself and your family.

In partnership with Quadrant Data Solutions, we analyzed the insurance rates offered by major carriers for varying levels of coverage. Here’s the average insurance rate in Lubbock organized by carrier and coverage level:

State Farm$2,768.08$2,916.88$3,090.36$2,925.11
American Family$4,399.83$4,548.68$5,198.41$4,715.64

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As you see from the table, the average difference between high and low coverage is only $288 in Lubbock. But you need to understand what low and high coverages are before you can make a decision.

Any car insurance policy in the United States is comprised of two parts: the mandatory required minimum liability coverage and the optional additional coverage.

The required compulsory coverage is the low coverage you must purchase to drive in Lubbock legally.

The minimum liability coverage that you must purchase in Lubbock is:

  • Bodily Injury Liability: $30,000 for one person/$60,000 per accident
  • Property Damage Liability: $25,000 per accident

However, these are not usually sufficient to provide adequate coverage. It is recommended that you buy additional liability insurance or additional optional coverage that will help you secure greater protection in times of need.

Some of the optional coverages that you can purchase are:

  • Collision
  • Comprehensive
  • MedPay
  • Uninsured/Underinsured Motorist
  • Personal Injury Protection

If you purchase higher liability and opt for additional coverage, you may end up with medium or high coverage. Evaluate your specific needs when choosing your coverage.

Watch this video to understand how you can save on premiums by dropping unnecessary coverage:

Best Car Insurance for Credit History Rates

Your credit history is usually an essential factor in determining your car insurance premium rate. It is used collectively with other factors to calculate your risk profile.

Your credit score will play a major role in your Lubbock, TX car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Lubbock, TX car insurance rates by credit score below.

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A high credit score (combined with other favorable factors) may indicate you are less of a risk to the insurance companies.

With the help of Quadrant Data Solutions, we analyzed the impact of credit score on insurance rates in Lubbock. Here’s the summary of the analysis:

State Farm$4,142.05$2,578.48$2,054.78$2,925.10
American Family$6,504.30$4,081.83$3,560.80$4,715.64

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All insurance carriers offer drivers with low credit scores the highest rate. What varies is the amount they choose to increase your rate based on your credit information.

On average, insurance companies in Lubbock may increase the premium by $2,213 for drivers with low credit scores. However, some companies may charge more than others. Geico and American Family tend to increase insurance rates by around $3,000.

The most expensive insurance company for a driver with a low credit score would be Allstate, while the most lenient carriers for drivers with low credit scores are Progressive and Nationwide.

Regardless, if you have a lower-than-average credit score, we recommend you seek quotes from multiple providers.

You can start seeking quotes today using our FREE online tool. You just need to enter your ZIP code below to get started!

Best Car Insurance for Driving Record Rates

One of the most significant factors in determining your insurance rate is your driving record, which provides insurance companies a direct measure of your risk profile.

Your driving record will affect your Lubbock car insurance rates. For example, a Lubbock, Texas DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Lubbock, Texas car insurance rates by driving record.

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Carriers obtain your driving record through your motor vehicle report (MVR). The MVR is a summary of your driving record and provides the following information:

  • Traffic tickets
  • Convictions
  • Accidents
  • And even little things like parking tickets

The table below provides the average premium rate in Lubbock broken down by insurance providers and violations:

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
State Farm$2,592.36$2,592.36$2,982.09$3,533.61$3,036.02
American Family$4,303.42$4,303.42$5,463.20$4,792.52$4,853.05

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A person with a clean driving record is much more likely to get discounts and low insurance rates. Traffic violations and accidents are good indicators of your risk level.

A speeding violation on your driving record increases the risk for your carrier. It indicates you are a reckless driver and there is a higher chance you’ll file a claim.

If you have caused an accident or are charged with a DUI, you are a greater risk, and therefore your rate will be significantly higher.

However, each insurance company may calculate the risk differently and, therefore, offer varying rates. In the case of a DUI charge, you may see your insurance rate jump by over $1,000. While Allstate may increase the rate by as much as $2,500, Geico may only increase the rate by $300.

Some insurance companies are harsher and some are more lenient. You have to shop around to get quotes from different companies.

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Car Insurance Factors in Lubbock

We’ve seen that your driving record, credit score, and annual mileage will impact your rates.

Factors affecting car insurance rates in Lubbock, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Lubbock, Texas car insurance.

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Your car insurance is based on factors specific to you and on factors not in your control, so the economic health of Lubbock may have some influence on your auto insurance rate.

In this section, we will look at these types of factors.

Metro Report – Growth & Prosperity

According to the Bureau of Economic Analysis (BEA), Lubbock ranked as the 158th largest U.S. metropolitan area in 2018.

The most prominent industries in Lubbock are healthcare, education, and food. The metropolitan area of Lubbock also employs individuals in mining, quarrying, and oil and gas extraction.

In terms of wages, Lubbock does not fare well when compared to the rest of the country. The per capita personal income in Lubbock was $42,181 in 2018, whereas it is $54,446 for the country.

From 2017-2018, Lubbock registered a lower growth in the per capita personal income (PCPI) than the rest of the country. While Lubbock registered a growth of 4.4 percent in PCPI during this period, the U.S. PCPI grew by 4.9 percent.

In a changing economic environment, it becomes even more essential to optimize your auto insurance coverage so you can get the best return for your investment.

Median Household Income

According to DataUSA, the median household income in Lubbock was $47,326 in 2017, whereas it was $57,051 for the state of Texas as a whole.

The median household income in Lubbock is also considerably less than the national median household income of $57,652.

Although there is a considerable gap between the average household income in Lubbock and the Texas-wide average, the average car insurance rate in Lubbock is almost equal to the average rate in Texas.


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This table clearly shows that residents of Lubbock pay a larger portion of their income toward car insurance.

You can also calculate how much of your income you are currently spending on your car insurance using our free calculator.


Homeownership in Lubbock

For many of us, owning a home is a dream. But do you know it can also have an impact on your auto insurance costs?

Although it does not directly impact your rate, homeownership can help you get some discounts from your insurer.

Not being a homeowner doesn’t impact your ability to qualify for a plan.

Homeownership only plays a role in showcasing your financial stability with the insurance carrier.

According to DataUSA, the homeownership rate in Lubbock is 52.1 percent, which is lower than the national average of 63.9 percent.

The median property value in Lubbock is only $123,800, which is significantly lower than the national median property value of $193,500.

Homeownership is not the only way to prove financial stability. A high credit score through steady rent payments is also seen as a good indicator.

Education in Lubbock

In 2016, universities in Lubbock awarded 6,883 degrees. The three most sought after disciplines in Lubbock are the following:

  • Registered Nursing (1,074 degrees awarded)
  • Engineering (630 degrees)
  • Other Multidisciplinary Studies (441 degrees awarded)

Lubbock, TX, is home to Texas Tech University, the sixth-largest college by enrollment in the state. The students in the city are also enrolled in Texas Tech University Health Sciences Center and Lubbock Christian University.

Lubbock High School has been recognized for three consecutive years by Newsweek as one of the top high schools in the United States.

Your education is a factor in helping insurance carriers determine your auto insurance rate. Carriers usually associate higher education with lower risk.

Wage by Race & Ethnicity in Common Jobs

In 2017, Asians were the highest-paid ethnicity in Lubbock, followed by Whites and American Indians.

Here’s the summary of wages in Lubbock organized by ethnicity:

American Indians$45,538

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Wage by Gender in Common Jobs

Gender not only plays a role in determining your insurance rates but may also influence your wages. Therefore, gender has a big role to play in determining how much of your income goes toward car insurance.

The average income for males in Lubbock is 1.41 times higher than the average income for females, which is $45,959.

Though on average, females tend to pay a lower premium than males, the wage disparity means that females have to shell out a more significant percentage of their income to maintaining car insurance.

The table below shows the summary calculation of what an average individual has to pay for auto insurance organized by gender:

GenderAverage IncomeAverage PremiumPremium % of income

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Poverty by Age & Gender

Over 19 percent of the population in Lubbock live below the poverty line, which is significantly higher than the national poverty rate of 13.4 percent.

However, the three most affected demographics are

  • Males age 18-24
  • Females age 18-24
  • Females age 25-34

For people living below the poverty line, auto insurance will take a larger percentage of their income. In fact, the rates applicable for people below the poverty line maybe even higher, taking into account their credit scores and financial stability.

Poverty by Race & Ethnicity

Poverty affects every ethnicity, not only in Lubbock but in the entire country. The Census Bureau has a set of income thresholds that help determine families living below the poverty line.

The following table shows poverty in Lubbock organized by ethnicity:

Two or more2.71
Native American1.01

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People of White, Hispanic, and Black ethnicities make up around 90 percent of those living in poverty in Lubbock, TX.

Employment by Occupations

In 2017, there were around 121,000 people employed in Lubbock across different professions. The number of people employed in the city grew by 2.33 percent between 2016-2017.

The major occupations in Lubbock providing employment are office and administrative support, sales, and management. A significant number of people are also employed in the education and food sectors.

Driving in Lubbock

While deciding on your auto insurance rate, insurance carriers also consider factors such as what cars you drive and what the roads and traffic are like where you live.

In this section, we will discuss factors related to driving that might have an impact on your auto insurance rate.

Roads in Lubbock

If you’re like most people, you probably often choose the route you take based on the conditions of the roads.

In this section, we will review the major roads in Lubbock and their respective conditions.

Major Highways in Lubbock

Lubbock is connected by several major interstates and highways.

Here’s the map of interstates and highways connecting the city:

Lubbock is connected to the nearby cities of Amarillo and Dallas through U.S. 27 and U.S. 84, respectively. The interstate U.S. 27 passes north-south through the Lubbock downtown area. Highways U.S. 84 and U.S. 62 also pass through downtown Lubbock.

To control congestion in the city, there is an internal connection through Marshall Formby Memorial Highway, Marsha Sharp Freeway, and the Texas 289 Loop.

The city is also in the planning stages of a Lubbock Loop 88 road that will connect U.S. 84, U.S. 62, and U.S. 87.

Popular Road Trips/Sites

Lubbock has a vibrant technology and music culture. The city was once home to the legendary musician Buddy Holly. You can visit the Buddy Holly Center, which celebrates the spirit of the legendary musician.

Apart from the Buddy Holly Center, some of the other things that you can do and see in the city include:

  • Museum of Texas Tech University
  • Silent Wings Museum
  • The National Ranching Heritage Center

Watch the following video to find more things to do in Lubbock:

Road Conditions in Lubbock

According to TRIP, a national transportation research group, around 63 percent of the roads in Lubbock are either in poor or mediocre condition.


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Due to the less-than-satisfactory road conditions, residents of Lubbock have to spend around $801 per year to maintain their vehicles.

Does Lubbock use speeding or red light cameras?

Texas used to have red light cameras; however, on June 2, 2019, Governor Greg Abbott signed a bill banning their use.

The cameras had already been banned in Lubbock by the City Council in July 2018. The city does use surveillance cameras at intersections to monitor traffic and adjust the timing of the traffic lights.

Vehicles in Lubbock

Texans are known for their love of cars, especially large trucks. More than 80 percent of the commuters in the state prefer to drive alone for their daily commute. Commuters in Lubbock are no different, as around 80.5 percent of residents drive by themselves to work.

The high percentage of people driving their cars to work in Lubbock is understandable, as public transportation is inadequate in the city.

In this section, we will discuss cars and how the car you drive can impact your insurance rate.

Most Popular Vehicles Owned

Considering the love for trucks in Texas, it is not surprising the Ford F-150 is the most popular vehicle in the state.

The F-150 has a reputation for reliability and can be used to haul, pull, or push heavy materials.

The F-150 is also a very safe vehicle on the road. The truck is fitted with various safety gadgets such as trailer backup assist, parking assist, a 360-degree camera system, collision prevention system, pedestrian detection, and lane-keep assist.

Ford’s F-150 has achieved the highest rating of “Good” on all measurable crash tests conducted by the Insurance Institute for Highway Safety (IIHS).

Cars Per Household

Given the relevance of cars in the daily commute, most households in Lubbock own two cars, and the same goes for the state of Texas as a whole.

It is understandable, as again, Lubbock doesn’t have a robust public transportation system.

Households Without a Car

Even though Lubbock has a high poverty rate and the median household income is lower than the state average, the number of households that do not own a car is significantly lower than it is in the rest of the country.

In Lubbock, around 5.6 percent of households do not own a car, whereas nationally, the number is about 9 percent.

Speed Traps in Lubbock

Remember, speeding tickets increase your auto insurance rate.

If you get a speeding ticket, insurance carriers will see this as risky driving behavior that can result in an accident. This will mean that your risk profile will change, and therefore, you may have to pay a higher premium.

So driving over the posted speed limit is not only dangerous for you and others, but it may also increase your insurance rate.

The city of Lubbock wants you to drive within the posted speed limits. Therefore, law enforcement may have several speed traps around the city to deter motorists from driving too fast. Police may use handheld radars or cars fitted with rooftop radars to measure your speed.

Vehicle Theft in Lubbock

Vehicle theft can be agonizing and frustrating. According to the FBI, in 2018, there were a total of 1,203 cases of vehicle theft in Lubbock. This means that around 25 cars per week are stolen in Lubbock.

Here’s the news coverage of the car theft menace in the Hub City:

Motor vehicle theft is part of the larger crime issue in the Hub City. According to neighborhoodscout.com, Lubbock is only safer than 7 percent of U.S. cities.

This means that you have a higher chance of being a victim of crime. In Lubbock, the possibility of becoming a victim of violent crime is one in 191, whereas it is one in 228 for all of Texas.

In terms of property crimes, you have a one in 25 chance of being a victim in Lubbock, whereas the chance is one in 39 in the state of Texas.

Property crimes include burglary, larceny over $50, motor vehicle theft, and arson.

However, there are safer neighborhoods in the city that may have a comparatively lower crime rate:

  • Hurlwood
  • Slide
  • Quaker Ave/98th St
  • Milwaukee Ave/98th St
  • Burris
  • Reese Village
  • Chicago Ave/Clinton Ave
  • 82nd St/Louisville Ave
  • 98th St/Memphis Ave
  • 98th St/Ave P

Traffic in Lubbock

You lose productive time getting stuck in traffic. You may miss meetings or time with family while making your way through traffic.

Getting stuck in traffic can be tiring and stressful.

With the correct information, you can be better equipped to handle the traffic.

Traffic Congestion

A great thing about living in Lubbock is there is little congestion compared to other cities in Texas.

According to a CNBC study, Lubbock is ranked among the top five cities for having minimal traffic. The study ranked U.S. cities according to the time spent by commuters in gridlock.

The city enacted a Congestion Management Plan in 2012 to help keep traffic under control, and it seems to have had a positive impact.


Residents of Lubbock spend considerably less time commuting than the national average.

According to DataUSA, commuters in Lubbock spent around 16 minutes for their daily commute, compared to the national average of 25.1 minutes.

Only around 5 percent of Lubbock’s commuters spend more than 45 minutes in the car for their daily commute. In contrast, nationally, about 17 percent of commuters spend more than 45 minutes on their daily commute.

The lack of congestion plays a significant role in the short commute time.

However, in the absence of robust public transportation, a vast majority (80.5 percent) of commuters prefer to drive alone to work.

Busiest Highways

According to a Texas A&M University study, Lubbock has no roads that feature in the top 100 most congested roads in Texas. This further highlights that Hub City does not have a problem with traffic congestion.

How safe are Lubbock’s streets & roads?

To understand the relative safety of the roads in Lubbock, we can refer to the National Highway Traffic Safety Administration (NHTSA) database.

According to NHTSA, Lubbock County is not among the 10 worst counties in Texas in terms of road fatalities. The worst 10 counties in Texas for traffic fatalities are:

  • Harris County (389 fatalities)
  • Dallas County (295 fatalities)
  • Bexar County (181 fatalities)
  • Tarrant County (169 fatalities)
  • Travis County (118 fatalities)
  • El Paso County (87 fatalities)
  • Smith County (58 fatalities)
  • Ector County (56 fatalities)
  • Denton County (52 fatalities)
  • Hidalgo County (51 fatalities)

Here are the total number of traffic-related fatalities in Lubbock County in the last five years:

Lubbock County4240434224

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The NHTSA provides some interesting data about traffic-related fatalities in Lubbock County, including some of the main causes of these accidents:

Fatalities (All Crashes)4240434224
Fatalities in Crashes Involving an Alcohol-Impaired Driver1917212413
Single Vehicle Crash Fatalities2323222418
Fatalities in Crashes Involving a Large Truck by County for 201744343
Fatalities in Crashes Involving Speeding17811126
Fatalities in Crashes Involving an Intersection131512142
Passenger Car Occupant Fatalities91314114
Pedestrian Fatalities91010107
Pedalcyclist Fatalities10022

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As you can see, alcohol-impairment and speeding are two of the most common factors involved in fatal accidents in Lubbock.

NHTSA can also help us understand the relative danger of different roads in Lubbock County:


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It seems that freeways and other principle arterial roads are the most fatal in Lubbock County.

Allstate America’s Best Drivers Report

Overall, driver behavior is a great indicator for insurance carriers to calculate overall claim risk.

Allstate publishes a periodic study comparing driver behavior across 200 major cities in the country.

We can use the report to understand the relative driving experience in different cities of our vast country.

2018 Best Drivers Report Ranking49th
Average Years Between Claims9.3

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The Hub City ranks 49th among 200 cities in the country for good driving behavior. This positive driving record and low traffic mean that, on average, there is a 9.3-year gap between claims for residents of Lubbock.


In a city with limited access to public transportation, ridesharing is an excellent alternative.

The following ridesharing options are available in Lubbock:

  • Lyft
  • Traditional taxis
  • Uber

E-star Repair Shops

Where can you find a reputable repair shop? This is one of the most important concerns after an accident.

Esurance offers an E-star network that can provide a list of reputable and top-quality repair shops near your location.

In Lubbock, you have the following repair shop listed on the E-star network:

GERBER – LUBBOCK/50TH ST. – 806 50TH ST. – (806) 747-3459

Weather in Lubbock

Lubbock has a cool, semiarid climate that is characterized by hot summers and mild winters. The city was called the “Toughest Weather City” in the U.S. by the Weather Channel.

Here’s a quick snapshot of the weather in Lubbock:

Average Annual High Temperature74.3°F
Average Annual Low Temperature47°F
Average Temperature60.65°F
Average Annual Rainfall19.18 inches

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Lubbock receives only 19.18 inches of rainfall, compared to the national average of 38 inches each year.

The city is prone to natural disasters, such as hurricanes (6), floods (4), tornadoes (4), fires (3), storms (3), and winds (3).

Public Transit in Lubbock

Citibus provides public transportation services in Lubbock. It operates nine fixed routes in the city, along with some nighttime routes.

One trip in Citibus costs around $1.75 for adults and $1.25 for children below 12. Senior citizens and people with special needs/disabilities pay only $0.85 for a single ride.

You can also buy daily, weekly, or monthly passes to help you save on your trip costs.

Cost of Alternate Transportation in Lubbock

The scooter/bicycle rental company Lime, in partnership with Texas Tech University and the City of Lubbock, launched Lime-S in 2018. Lime-S is an electric scooter service; it costs $1 to unlock the scooter and $0.15 for every minute of riding.

Parking in Lubbock

Parking is plentiful in Lubbock, even downtown. You can park for free in one of the designated parking spaces for up to two hours.

You can also purchase a resident parking permit that is applicable in residential areas of the city.

Air Quality in Lubbock

We know that vehicle emissions contribute to pollution in our cities. But with low congestion in Lubbock, the air quality is one of the best in the country.

According to the Environmental Protection Agency, here’s the summary of air quality in Lubbock:


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In 2018, there were no days in Lubbock when the air quality dropped to unhealthy or very unhealthy levels.


Although there are no military bases within Lubbock, the Cannon Air Force Base is nearby and is home to the 27th Special Operations Wing.

Lubbock was once home to Reese Air Force Base, established in 1941. The USAF base’s primary mission throughout its existence during World War II was pilot training.

Reese Air Force Base was closed in 1997 and it’s now a research and business park called Reese Technology Center.

Lubbock is home to many military veterans who served in Vietnam and the Gulf Wars.

The following insurers provide discounts for military personnel:

  • USAA
  • Allstate
  • Esurance
  • Farmers Insurance
  • Geico
  • Liberty Mutual
  • Metlife
  • State Farm

American Family4848.7219.92

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USAA is the most economical insurer for military personnel, followed by State Farm.

However, these are average annual rates in Texas. Remember to seek quotes from multiple insurers to get the best discounts.

Unique City Laws

Every state in the country has some unique laws that may give us a chuckle. However, there are also relevant laws that everyone must know when driving in Lubbock.

Handheld Device Laws

As of September 2017, it is illegal to read and write text while driving in Texas. You can still use your phone to make a phone call or use GPS while driving.

However, you cannot use your mobile phone for any purpose in a school zone. Also, you cannot use your mobile phone while driving if you are below the age of 18.

Food Trucks

Food trucks are gaining popularity across the nation. Lubbock also has a healthy food truck scene.

The City of Lubbock introduced an ordinance in 2014 to provide a legal way to operate a food truck in the city.

According to the rule, to operate a food truck in the city, you need to complete and submit a $250 application for a Mobile Food Vending Permit. Along with the permit, you are also required to complete all the required inspections through the Fire Marshal’s Office and the Environmental Health Department.

Tiny Homes

The Tiny Homes movement has the potential to reduce housing costs and provide a roof for the homeless. It is also getting traction in Lubbock, with several tiny homes popping up in the city.

However, tiny homes may not be relevant in Lubbock, considering the low property costs.

Lubbock Car Insurance FAQs

Let us review some routinely asked questions on car insurance in Lubbock:

How can teen drivers reduce their insurance premiums?

As a teen driver, your insurance costs will drop as you gain experience. However, you can do the following to score some discounts right away:

  • Add yourself to the policy of an older driver
  • Choose a cheap first car
  • Ensure the car has safety features that can count for discounts
  • Keep a clean driving record

Does Texas follow a no-fault or at-fault auto insurance law?

Texas is a comparative fault state. This means that in case of an accident, the driver that is more than 50 percent at-fault will bear the financial responsibility.

What is the minimum amount of coverage required to drive in Lubbock?

The minimum liability coverage that you must purchase in Lubbock is:

  • Bodily Injury Liability: $30,000 for one person/$60,000 per accident
  • Property Damage Liability: $25,000 per accident

Which is the cheapest car insurance company in Lubbock?

USAA is the cheapest car insurance carrier in Lubbock, with an average annual insurance rate of $2,738.

How can I get high-risk auto insurance in Lubbock?

You can apply for the high-risk insurance plan in Texas through the Texas Automobile Insurance Plan Association. You can only purchase the minimum liability insurance required to drive in the state legally.

Enter your zip code below to find your best insurance options.


  1. https://datausa.io/profile/geo/lubbock-tx
  2. https://www.fhwa.dot.gov/
  3. https://www.tdi.texas.gov/pubs/consumer/cb020.html
  4. https://apps.bea.gov/regional/bearfacts/action.cfm
  5. https://datausa.io/profile/geo/lubbock-tx#income_ethnicity
  6. https://datausa.io/profile/geo/lubbock-tx#income_gender
  7. https://www.census.gov/data/tables/time-series/demo/income-poverty/historical-poverty-thresholds.html
  8. https://www.txdot.gov/inside-txdot/projects/studies/lubbock/outer-route.html
  9. https://www.lubbockonline.com/news/20190513/our-view-fate-of-red-light-cameras-all-but-sealed
  10. https://www.kcbd.com/2019/07/12/lubbock-will-add-more-surveillance-cameras-intersections-monitor-traffic/
  11. https://www.usatoday.com/story/news/nation-now/2017/08/30/these-most-popular-cars-and-trucks-every-state/478537001/
  12. https://ucr.fbi.gov/
  13. https://www.neighborhoodscout.com/tx/lubbock/crime
  14. https://www.cnbc.com/2018/07/13/wallethub-study-us-cities-with-the-best-and-worst-traffic.html
  15. https://mobility.tamu.edu/texas-most-congested-roadways/
  16. https://www-fars.nhtsa.dot.gov/
  17. http://www.citibus.com/
  18. http://www.citibus.com/fixed-route-schedules.php
  19. http://www.citibus.com/questions-and-answers.php
  20. https://www.everythinglubbock.com/news/local-news/texas-tech-city-of-lubbock-lime-launch-new-electric-scooter-service/
  21. https://ci.lubbock.tx.us/departments/traffic-operations/parking
  22. https://www.epa.gov/outdoor-air-quality-data/air-quality-index-report
  23. https://www.txdot.gov/driver/laws/cellphones.html

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