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Howdy! Welcome to Lubbock, Texas! This lively city is known for its friendly people and wide-open spaces. One of the most famous spots here is the Buddy Holly Center, celebrating the amazing rock 'n' roll pioneer. As you explore this lively city, you'll also see the beautiful West Texas scenery. Take advantage of the joy of visiting Mackenzie Park, where you can enjoy picnics, walking trails, and even a charming prairie dog town! And for those who love art and history, the National Ranching Heritage Center is a true gem.
When it comes to getting around Lubbock, having reliable car insurance is key. The road can sometimes throw surprises your way, and having the right coverage ensures you're protected on your journeys through the Hub City. Whether heading to Tech Terrace Park, the Silent Wings Museum, or simply cruising down Broadway, having dependable car insurance in Lubbock means you can explore it worry-free.
Allow CINCO Auto Insurance to be your dependable traveling companion. Get an insurance estimate right now!
Quick Facts About the Auto Insurance in Lubbock:
- Total Workforce Population (2021): Lubbock is home to a thriving workforce totaling around 131,000 individuals.
- Percentage of People Driving to Work Daily (2021): A significant 87% of Lubbock's workforce relies on personal vehicles for their daily commutes.
How much does Auto Insurance in Lubbock Cost?
We looked at many insurance companies in Lubbock and found that basic coverage costs around $111 each month or $1,328 per year. If you want more coverage, it's about $147 each month or $1,759 per year. It's good to know these average prices, but remember, what you pay can depend on the kind of car you have, your driving history, any past insurance claims, and other important details about you.
Auto Insurance Costs by Zip Code in Lubbock:
The cost of your Vehicle Insurance in Lubbock may vary depending on your location, from the city to the neighborhood. The insurers take into account a variety of factors, including the population, crime rates, frequency of accidents, and even the local climate. They take into consideration variables such as population density, safety level, traffic volume, weather, and frequency of accidents in a certain location.
| Zip Code | Average Monthly Quote (Liability) |
| 79401 | $90 |
| 79403 | $75 |
| 79404 | $78 |
| 79407 | $70 |
| 79410 | $61 |
| 79411 | $93 |
| 79412 | $70 |
| 79413 | $87 |
| 79414 | $105 |
| 79415 | $72 |
| 79416 | $76 |
| 79423 | $68 |
| 79424 | $54 |
Car Insurance Rates by Age in Lubbock:
Your age may have an impact on the cost of Lubbock auto insurance. Younger, inexperienced drivers may pay the highest rates, but older, more seasoned drivers typically pay less. This is due to the fact that as you age, you often gain more experience and exhibit greater responsibility.
But at CINCO Auto Insurance , we believe everyone should get access to affordable auto insurance in Lubbock, no matter their situation. We work closely with our customers to find a price that fits their budget. Here are the average monthly rates for different age groups within Texas: But At we believe everyone should get access to affordable auto insurance in Lubbock ,no matter their situation. We work closely with our customers to find a price that fits their budget. Here are the average monthly rates for different age groups within Texas:
Driving Conditions in Lubbock:
How many accidents happen in Lubbock every year?
Lubbock, Texas, had approximately 634,000 crash reports in 2022 - this is very important data. That equals out to one every 57 seconds. Although the roads in Lubbock are often kept in good condition, they occasionally require repair and, like any other place, can be affected by the weather. Therefore, it's wise to drive carefully. And always remember that having proper auto coverage in Lubbock could prove very useful if anything unexpected occurs.
How bad is Lubbock Traffic?
Lubbock is one of the top five U.S. cities with the best traffic, with an average yearly commute time of just 10 hours. This ranking comes from a CNBC study examining how much time commuters spend in traffic each year. Thanks to Lubbock's well-planned roads, drivers can reach their destinations in only 16 minutes. You can easily hop on the Loop and get to work quickly, which is confirmed by a study from Smartasset that found Lubbock has one of the shortest commutes.
Lubbock also ranks as the fourth-best city in terms of work-life balance, according to Smartasset. The study shows that only 3% of Lubbock residents have commutes lasting over 60 minutes. This short travel time gives locals more opportunities to enjoy everything the 'Hub City' offers.
Minimum Car Insurance Requirements in lubbock:
In Texas, you need to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25" plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident.
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in Lubbock:
The easiest way to save money is by opting for discounts. CINCO Auto Insurance offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. A few major discounts that we provide are listed below.
| Military discounts | Renewal Discounts | Continuos insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
| Occupational discounts | Paperless Billing | Vehicle Safety Ratings and Features |
| First Responders | Affiliation Discounts | Low Mileage Discounts |
| Mature, retired, or senior discount | User-Based | Telematics-Based |
Penalties for Traffic Violations/Offenses in Lubbock:
The average fine in Texas for going about 10 miles per hour faster than the speed limit is roughly $223. However, if you drove even faster, like 15 miles per hour over the limit, it might be about $255. And if you were flying 20 miles per hour over, the fine could be around $291.
You could be looking at a fine between $175 and $350 for a first-time offense. However, if you repeat the same mistake, the penalty could jump to anywhere between $350 and $1000. Remember, these are just average numbers; the actual fine could be slightly different. Sticking to speed limits is important to keep everyone safe on the roads. If you receive a ticket, note the fine amount and follow any instructions provided by the authorities to handle the situation properly. Below mentioned are some common traffic violations in Texas, along with the increase in premium it may lead to.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in Lubbock:
Lubbock is a city in Texas that's super easy to get around. They have special locations where you can get your important legal work done. For example, if you need a driver's license, there's a busy DMV office on 19th Street. There's also a big center at the South Plains Mall and another office on North University Avenue. They're there to help you with your driver's license and other car-related issues.
And guess what? Lubbock has cool libraries, too! The Mahon Library and the Patterson Branch Library are like treasure chests of books and fun stuff. They're places where you can learn and have a great time. Plus, there are places to look after your taxes. The Lubbock County Tax Office and the City of Lubbock Tax Office are there to help you with that grown-up stuff. All these places are easy to find, which makes living in Lubbock super convenient for everyone!
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| Name | Address | Contact Number | Official Website |
| Lubbock County Registration & Titling Of Lubbock | 916 Main St. Ste. 102 Lubbock, Texas 79401 | 806-775-1344 | Link |
| Lubbock Driver License Office Of Lubbock | 1404 Lubbock Business Park Blvd. Suite 100 Lubbock, Texas 79403 | 1 806-472-2800 | Link |
| Lubbock County Registration & Titling – City Bank South Of Lubbock | 5219 City Bank Pkwy Lubbock, Texas 79423 | 1 806-792-0806 | Link |
| Lubbock County Registration & Titling – City Bank Office Of Lubbock | 5219 City Bank Pkwy Lubbock, Texas 79407 | 1 806-792-0806 | Link |
Get a Quote for Car Insurance in Lubbock Right Away!
Being a responsible driver demands more than just hitting the road - it includes taking care of yourself and your vehicle side by side. At CINCO Auto Insurance , we realize the great importance of safety alongside stability. We provide Affordable Auto Insurance in lubbock at the most suitable rates!
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy. Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com .