Car insurance in Lubbock, Texas [Rates + Comparison Guide]

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Joel Ohman
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UPDATED: Feb 2, 2020

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Lubbock SummaryLubbock Stats
City Population253,880
City Density2,211 people per square mile
Average Cost for Car Insurance$5,275.25
Cheapest Car Insurance CompaniesState Farm, USAA
Lubbock, TX Road ConditionsPoor Share: 39%
Mediocre Share: 24%
Fair Condition: 5%
Good Condition: 32%
Vehicle Operation Cost (VOC)$801

Lubbock, Texas, is located on the lower northwest of the state. It’s described as a large town with a small-town feel. The town is rich in culture, music, and art. Lubbock shows a great appreciation for agriculture at the Bayer Museum of Agriculture and the National Ranching Heritage Center.

With all the appreciation for agriculture, it’s fair to say that Lubbock has its share of rural roadways. A population of over 200,000 also tells us that there are many metropolitan areas in Lubbock. What does this mean for motorists and how much they pay for car insurance premiums per year?

We’ve put together a guide to show you the ins and outs of car insurance in Lubbock, Texas. Also, we’ll give you some general information on driving, wage disparities, education, transportation options, and safety data for residents in Lubbock.

For a quick look at rates in Lubbock, Texas, insert your ZIP code in the box above to receive a free quote. For all the details regarding Lubbock, Texas, continue through the guide.

Table of Contents

The Cost of Car Insurance in Lubbock

The cost of car insurance varies by state, city, county, and even ZIP code. Car insurance can be expensive per year. It is quite a challenge to find options that both help you save money and insure your motor vehicle(s). This guide will help you make that decision.

The average annual cost of car insurance in Lubbock is $5,275.25

Annual cost refers to the amount of money you’ll pay within a year. Car insurance companies often give discounts to those with clean driving records, good credit, and other factors that decrease the average annual rate.

But what about other factors that determine car insurance rates per year? Let’s explore those factors in the sub-sections below.

Male vs. Female vs. Age

Did you know your age and gender can change your average annual cost? Older motorists often pay less than those who are much younger. In other words, a person who is 40 years old will likely pay less for car insurance than someone who is 24 years old.

The first table here shows the rates for Lubbock. We’ve included rates from Houston, as well, to give you an idea of the difference in costs from two Texas cities.

City17-Year-Old25-Year-Old35-Year-Old60-Year-Old
Lubbock$7,591.97$3,184.30$2,560.57$2,404.58
Houston$9,393.23$3,794.62$3,018.83$2,876.24

Teens who drive pay more per year than those who are 35 years and older. Also, people in Houston pay over $400 more than Lubbock residents.

Since Lubbock is in Texas, it is legal for car insurance companies to charge policyholders based on gender. Let’s look at the annual costs by gender.

CityMaleFemale
Lubbock$3,935.36$3,719.53
Dallas$4,682.06$4,420.69

Both Lubbock and Dallas show that male motorists pay more money for car insurance per year. For Dallas residents, however, car insurance is over $500 more than Lubbock’s annual rates.

Marital status is also a factor. Married, middle-aged motorists pay less for car insurance. Let’s take a closer look at annual rates that are affected by this factor.

Marital Status, Age, & Gender SummaryAverages
Average$3,935.36
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

The “average” summary is based on the average or median age of individuals living in Lubbock. We see that car insurance rates are at least $2,500 cheaper than the Lubbock average annual rate.

Cheapest ZIP Codes in Lubbock

Each ZIP code carries its own average annual rate. Different ZIP codes carry a different economic background. These diverse economic standings for each area are assessed regarding risk, which means car insurance companies analyze the average cost of vehicles in Lubbock, the number of drivers on Lubbock roadways, and who is likely to be in an accident.

If you live at one ZIP code and use another ZIP code to obtain a cheaper rate, it’s considered fraud.

It’s important to give car insurance companies accurate information, so you can avoid any discrepancies. For now, let’s examine some of the average annual rates by ZIP code.

Zip CodeAverage Annual Rate
79401$5,699.35
79402$6,504.20
79403$5,818.68
79404$5,833.21
79406$5,589.08
79407$5,317.70
79409$5,835.63
79410$5,412.08
79411$5,723.76
79412$5,717.48
79413$5,385.08
79414$5,406.63
79415$5,757.54
79416$5,407.95
79423$5,379.91
79424$5,275.25
79430$7,732.63

Car insurance rates throughout Lubbock range from $5,200 to $7,800. These estimates are what you’ll find on average, but discounts are given based on the company.

What’s the best car insurance company in Lubbock?

The best car insurance is the car insurance that works for you. The sole purpose of this guide is to provide you with information and tools to help you make the final decision on choosing the company that best meets your needs. Let’s continue through the guide to give you an idea of what you’re looking for.

Cheapest Car Insurance Rates by Company

Speaking of cheaper car insurance, we’ve compiled some data which you’ll find useful in your search for affordable car insurance. Car insurance is often discounted based on your mileage, driving record, credit history, and coverage level.

First, let’s look at some car insurance company annual rates. We’ve included marital status, age, and gender stats, as well, to give you a detailed look at how much you’ll pay per year.

CompanyAverageSingle 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 male
Allstate$5,578.14$9,381.13$11,363.19$4,529.55$4,738.59$3,662.70$3,708.56$3,620.71$3,620.71
American Family$4,715.64$7,431.57$9,743.09$4,103.20$4,674.33$2,881.11$3,200.74$2,654.33$3,036.76
Geico$3,262.85$5,312.09$5,511.72$2,640.11$2,643.49$2,435.69$2,618.02$2,321.22$2,620.46
Nationwide$3,601.91$6,342.84$8,174.45$2,664.09$2,888.50$2,277.85$2,321.62$2,010.85$2,135.08
Progressive$4,725.25$10,313.39$11,498.52$3,093.72$3,155.13$2,602.84$2,498.85$2,290.77$2,348.79
State Farm$2,925.11$4,928.64$6,290.66$2,213.74$2,279.30$2,032.25$2,032.25$1,812.00$1,812.00
USAA$2,738.59$4,759.91$5,236.36$2,373.02$2,583.47$1,773.27$1,802.23$1,684.26$1,696.23

The higher-than-average trend continues for 17-year-old drivers. Younger, single males pay more for annual rates regardless of the company they choose. Allstate and Progressive policyholders who are both 17 years old and male pay nearly double the cost of the average annual rate.

Motorists who are 25 years and older pay significantly cheaper rates.

But why? The purpose of higher rates is due to the risk that comes with younger drivers. Teen drivers are less experienced and are likely to take more risks when operating a motor vehicle. Therefore, car insurance companies’ annual rates reflect the estimated risk factors.

Best Car Insurance for Commute Rates

Some car insurance rates can be adjusted to the miles you travel per year. The annual commute mileage or the miles driven per year is divided into two categories: 6,000 annual commute mileage and 12,000 annual commute mileage. As such, their annual rates differ based on how much drive. Let’s examine these rates closely.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$5,448.80$5,707.48
American Family$4,715.64$4,715.64
Geico$3,199.98$3,325.72
Nationwide$3,601.91$3,601.91
Progressive$4,725.25$4,725.25
State Farm$2,925.11$2,925.11
USAA$2,703.05$2,774.14

American Family, Nationwide, Progressive, and State Farm do not issue higher rates based on commute mileage, which is not uncommon in states like Texas and towns like Lubbock.

Residents who live in Texas drive an estimated 15,533 miles per year.

Though Lubbock is more populated than some cities in Texas, commutes may take longer than expected. The two cheapest companies based on commute rates are USAA and State Farm.

Best Car Insurance for Coverage Level Rates

The coverage level is based on the liability coverage rule. In Texas, the minimum requirement for car insurance is liability. The lowest coverage available is the 30/60/25 rule, which says the minimum car insurance coverage covers $30,000 for bodily injury per person, $60,000 for total bodily injury per accident, and $25,000 for property damage.

What if you want more coverage to be sure you’ll be covered if you’re at fault in an accident? Lubbock residents have a choice to increase their coverage levels at a higher cost. Coverage level rules for medium and high coverage supersede the amount of coverage for minimum requirements.

Medium coverage in Lubbock is the 50/100/50 rule. The highest coverage you can receive in Lubbock is full coverage, which carries the 100/300/100 rule. Comprehensive, collision, uninsured/underinsured motorists, and many other insurance perks are included in the insurance policy.

You could pay higher-than-average premiums annually if you enroll in medium or high coverage. Here are some annual averages based on coverage levels in Lubbock.

CompanyLowMediumHigh
Allstate$5,445.11$5,528.38$5,760.94
American Family$4,399.83$4,548.68$5,198.41
Geico$3,100.88$3,227.05$3,460.62
Nationwide$3,446.77$3,473.17$3,885.79
Progressive$4,509.49$4,703.37$4,962.90
State Farm$2,768.08$2,916.88$3,090.36
USAA$2,653.07$2,728.58$2,834.13

The average rates are lower than the city’s average. Each company’s policy rates are different based on their assessment of risks and the average age of motorists in Lubbock.

It may be beneficial to enroll in medium coverage for some of the companies due to the low percent increase from low to medium and medium to high. It may be more cost-efficient in the long term.

Best Car Insurance for Credit History Rates

Texas is one of the states that can determine car insurance based on your credit history. The better your credit score, the more you’ll be discounted on car insurance rates per year.

Car insurance companies also consider your payment history. For example, if your car insurance policy was canceled due to nonpayment of a premium, the next car insurance company may deny you a policy. If you’re a high-risk driver, expect your car insurance to increase as well.

When we take a closer look at car insurance rates based on credit history, we’ll see a mixture of higher- and lower-than-average rates.

CompanyPoorFairGood
Allstate$7,113.70$5,188.54$4,432.19
American Family$6,504.30$4,081.83$3,560.80
Geico$5,035.55$2,851.13$1,901.87
Nationwide$4,323.99$3,464.99$3,016.76
Progressive$5,364.20$4,583.35$4,228.21
State Farm$4,142.05$2,578.48$2,054.78
USAA$4,056.10$2,310.50$1,849.18

Allstate appears to be the most expensive company when it comes to determining annual rates based on credit history. Geico has the greatest percent decrease. USAA has the cheapest rates based on credit history.

Be advised, USAA is only available to military members and their immediate families.

Best Car Insurance for Driving Record Rates

One of the most important factors for your car insurance rate is your driving record. Earlier we mentioned high-risk rates.

If you’re in multiple accidents, convicted of DUI, or have multiple driving violations, you may be considered a high-risk driver.

Car insurance rates can be higher than average if you’re in any of these three situations. Therefore, it’s helpful for your finances and insurance standing that you keep a clean driving record.

Let’s examine how much you’ll pay by looking at annual rates based on driving records.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$4,390.32$4,390.32$6,639.59$6,892.35
American Family$4,303.42$4,303.42$5,463.20$4,792.52
Geico$2,768.38$3,571.58$3,643.73$3,067.71
Nationwide$3,119.72$3,528.62$3,119.72$4,639.58
Progressive$4,123.85$4,662.28$5,283.46$4,831.42
State Farm$2,592.36$2,592.36$2,982.09$3,533.61
USAA$2,053.98$2,359.35$3,005.56$3,535.49

Allstate, American Family, and State Farm are lenient on policyholders who have at least one speeding violation. We see that when we compare the annual averages of a clean record and one speeding ticket. The other companies, however, issue higher rates.

Some car insurance companies will have accident forgiveness in their policy. It’s common among policyholders who’ve been using the same car insurance company consecutively over several years. Ask about accident forgiveness as you shop around for car insurance.

Car Insurance Factors in Lubbock

Commute rates, credit history, and driving record aren’t the only factors that determine how much you pay for car insurance. Remember, car insurance companies are extremely thorough when assessing risks.

Did you know that a city’s growth and prosperity can determine car insurance premiums?

A growing population increases the number of vehicles on the roadways, increasing the risk for drivers in the city. Prosperity could point to residents and nonresidents driving vehicles of higher-than-average value. Car insurance companies research the chances, cost of damage, cost of injury, and cost of business in the state and city.

This sub-section will cover all those factors that often go unnoticed when shopping for car insurance.

Metro Report — Growth and Prosperity

The Brooking Institute provided comprehensive growth and prosperity information on metropolitan areas. Unfortunately, Lubbock doesn’t have an extensive Metro Report from the Brooking Institute.

However, the Lubbock Chamber of Commerce provides some information on Lubbock’s growth. In 2011, it was reported that Lubbock’s job growth dropped to 6 percent after the market crash. As of 2019, the unemployment rate is now 3 percent.

Median Household Income

For Lubbock, Texas, the median or average household income is $48,709. The state of Texas averages $57,051, and the national average for household income is $60,336.

Car insurance rates can be expensive, but the percentage it takes away from your total annual income may not be as much as you think. This table will show those percentages based on the total annual income of Lubbock and the state of Texas.

CompanyAverageInsurance as a % of Income - Lubbock, TXInsurance as a % of Income - Texas
Allstate$5,578.1411.45%9.78%
American Family$4,715.649.68%8.27%
Geico$3,262.856.70%5.72%
Nationwide$3,601.917.39%6.31%
Progressive$4,725.259.70%8.28%
State Farm$2,925.116.01%5.13%
USAA$2,738.595.62%4.80%

USAA is the cheapest among the car insurance companies. Even car insurance as a percent of income is the lowest. State Farm is the second-cheapest company and carries the lowest percentage.

Do you want to know how car insurance affects your current income? By dividing your annual car insurance cost into your annual income, you can find the percentage that affects your overall income for the year. Or, you can insert your estimated annual income and annual car insurance rate into the calculator, which will do the math for you.

Homeownership in Lubbock

Data USA reported that the average home in Lubbock, Texas is valued at $123,800 in 2017, but the largest share of homes owned in Lubbock is between $100,000 and $125,00. Roughly 52 percent of Lubbock residents own their homes.

How does this involve car insurance? Homeowners often pay less for car insurance than those who rent.

Homeowners who enroll in home insurance with the same company as their car insurance can receive a discount on insurance.

Insurance companies may cut these costs to accommodate homeowner car insurance premiums and possibly attempt to attract current policyholders into enrolling in homeowner’s insurance with their company.

Education in Lubbock

The latest stats from Data USA state a large portion of graduates in Lubbock graduated with a degree in Registered Nursing, followed by Mechanical Engineering.

Texas Tech University, Texas Tech University Health Sciences Center, and Lubbock Christian University are the largest colleges in the city of Lubbock.

Let’s see the number of students that graduated by race and ethnicity.

Race and; Ethnicity# of Students Graduated% of Students Graduated
Asian4265.00%
Black5946.00%
Hispanic or Latino2,13621.00%
White6,54165.00%
Other1373.00%

More white students graduated from Lubbock college than any other ethnicity in 2016, which is the most recent data from Data USA.

Wage by Race and Ethnicity in Common Jobs

Race and ethnicity are vital factors that reflect a city’s diversity and economic prosperity. What does this look like for Lubbock residents? Let’s examine the data provided by Data USA and see if there are any major disparities in wages among race and ethnicity.

Wage by Race and Ethnicity in Common JobsMiscellaneous ManagersCar Insurance as % of Income (MM)Elementary & Middle School TeachersCar Insurance as % of Income (E&M Teachers)Drivers/Sales Workers & Truck DriversCar Insurance as % of Income (Drivers)Retail SalespersonCar Insurance as % of Income (Retail)CashiersCar Insurance as % of Income (Cashiers)
American Indian$74,9007.04%$42,57612.39%$41,19512.80%$23,48922.46%$14,07837.47%
Asian$107,9394.89%$38,97313.54%$32,91516.03%$24,53521.50%$17,71429.78%
Black$73,3117.20%$42,53812.40%$43,37112.16%$25,94520.33%$12,67941.60%
Native Hawaiin and Other Pacific Islander$46,95911.23%$35,68814.78%$38,58713.67%$28,96018.22%$18,53428.46%
Other$64,9558.12%$42,95612.28%$46,95711.23%$22,06623.91%$13,86038.06%
Other Native American$60,6778.69%$37,49314.07%$35,78714.74%$22,87023.07%$12,11343.55%
Two or More Races$89,7145.88%$44,96511.73%$40,90712.90%$24,54521.49%$11,24546.91%
White$103,7615.08%$44,28111.91%$43,22112.21%$30,21817.46%$14,44036.53%

Native Hawaiians and Pacific Islanders are paid the least, regardless of the job taken in Lubbock. Cashiers who identify as two or more races, who are Native American Indian, or African American (black) pay more for car insurance as a percent of income, which is nearly 50 percent.

Wage by Gender in Common Jobs

How does wage disparity affect gender? Are wage gaps as large as they say? Let’s take a deeper look at this table provided below.

Wage by Common Jobs SummaryMale StatsCar Insurance as % of Income (Male)Female StatsCar Insurance as % of Income (Female)
Miscellaneous Managers$113,9244.63%$79,7346.62%
Elementary & Middle School Teachers$51,76410.19%$49,59110.64%
Retail Salespersons$48,35210.91%$34,65115.22%
Drivers/Sales Workers & Truck Drivers$47,13011.19%$31,34816.83%
Cashiers$26,22620.11%$20,27726.02%

The largest wage disparity is between Miscellaneous Managers in Lubbock. Males in managerial positions make over $30,000 more than their female counterparts.

When we divided each annual income by the average annual rate for car insurance, we found that women pay more as a percentage of income.

Poverty by Age and Gender

Let’s continue to look at gender and review how poverty affects each gender. Poverty affects millions within the state of Texas. In Lubbock, about 47,000 people are affected by poverty. That’s nearly 20 percent of residents in Lubbock.

The national average for poverty is 13 percent. Lubbock’s poverty percentage is not far off the national average, but it does create a disadvantage for males 18 to 24, and females from 18 to 34.

Poverty by Age and GenderMales in PovertyFemales in Poverty
Younger than 53.71%4.36%
5 Years Old0.77%0.66%
6 to 11 Years Old4.50%4.83%
12 to 14 Years Old1.86%2.33%
15 Years Old0.60%0.82%
16 to 17 Years Old1.11%1.34%
18 to 24 Years Old19.60%17.60%
25 to 34 Years Old5.91%8.13%
35 to 44 Years Old2.63%3.46%
45 to 54 Years Old2.13%3.49%
55 to 64 Years Old2.01%3.19%
65 to 74 Years Old0.83%1.54%
75 Years and Older0.73%1.84%

The largest share of poverty is held by both males and females who are 18 to 24 years old. This may be due to the job requirements in Lubbock. Lately, jobs require at least a two-year degree for higher salaries despite the growing economy.

Why is this important to car insurance?

Poverty can put an economically challenged motorist at risk of not being prepared for an accident. If they have car insurance, what’s the likelihood that the motorist will have enough coverage for damages and injuries?

Poverty by Race and Ethnicity

When broadening the spectrum, we’re able to see how poverty affects race and ethnicity. How will car insurance premiums affect individuals based on impoverished motorists’ race and ethnicity?

Poverty by Race and Ethnicity% of People in Poverty# of People in Poverty
Asian2.05%1,356
Black7.82%5,171
Hispanic29.50%19,532
Native American1.01%667
Other4.24%2,807
Pacific Islander0.01%9
Two or More2.71%1,796
White52.60%34,816

According to the table, white residents living in poverty are more likely to encounter issues with car insurance. This may be due to the number of white residents living in Lubbock compared to the proportion of races and ethnicities.

Employment by Occupations

According to the Chamber of Commerce in Lubbock, the main industries affecting the city’s economy are agriculture, education, health care, and government service. This statement is reflected in the number of people that graduated from college in nursing and mechanical engineering.

Management and business are included as the third-most-popular occupation in Lubbock. As agriculture, education, and health care become much bigger, a side of those industries will require individuals who know their way around business and management.

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Driving in Lubbock

The city of Lubbock is approximately 124 square miles. In comparison to Houston, Texas, which is 669 square miles, the commutes around Lubbock may be shorter even in peak traffic times.

What is it like to drive in Lubbock? As mentioned before, Lubbock is a city built from the roots of agriculture. Is it possible for the city to be comprised of more rural roads than urban roads?

This section of the guide will explain what you can expect on most of the roadways in Lubbock. Also, we’ll explore the conditions of the roadways, major highways, popular attractions, automated enforcement systems, and extensive information on vehicles.

Roads in Lubbock

City-Data’s 2019 report says 99 percent of people live in urban areas and 1 percent live in rural areas. Lubbock County has its share of rural roads and small towns outside of the city of Lubbock.

Mostly, Lubbock is comprised of a web of urban streets and highways that loops around the city. Let’s review the roadways of Lubbock in this section.

Major Highways

The major interstates in Lubbock are Interstate-27 or I-27, which has a total mileage of 124.13 miles across Texas. Several major U.S. highways pass through Lubbock, such as U.S. Highway 62, U.S. Highway 84, and U.S. Highway 87.

Highway 62 comes from El Paso, Texas, and ends in Niagra Falls, New York.

Both ends of the highway lead to the border of another country in North America. In Lubbock, U.S. Highway 82 merges with Highway 62.

State highways that come through Lubbock are Texas Highway 114 and Texas Loop 289. Texas Loop 289 surrounds the city of Lubbock and leads to various exits from and entrances to Lubbock.

After reviewing the major highways, there appears to be an absence of toll roads.

Here’s a drive time video of Highway 62. Although it’s not a complete drive, it’ll give you a visual of how the highway looks.

Popular Road Trips/Sites

There are several places to go and things to do in Lubbock, Texas. Here’s a short video of places to visit if you’re moving to or visiting Lubbock.

Road Conditions

The condition of roadways in Lubbock is mostly poor and mediocre. The poor share of roadways in the city of Lubbock is 39 percent, and the mediocre share is 24 percent. Five percent of roads are in fair condition. However, 32 percent of the roadway is in good condition.

Road conditions are important because they affect vehicle operating costs or VOCs. Road conditions, in relation to VOC, can estimate changes in vehicle travel speeds and delays. Due to the condition of roads in Lubbock, the estimated VOC is $801.

Does Lubbock use speeding or red light cameras?

In 2007, Lubbock joined the state of Texas in issuing red light cameras to their urban roadways. Here’s a report announcing the introduction of red-light cameras in Lubbock.

In the summer of 2019, red light cameras were banned. Here’s a report from a local news station in Texas.

Vehicles in Lubbock

With more vehicles in urban areas, it’s likely motorists of Lubbock are searching for a fuel-efficient vehicle to curve costs and find a more practical use for their cars. This sub-section explores the most popular vehicle in Lubbock, the average number of cars per household, speed traps, vehicle theft data, and other major information that will give you an idea about vehicles on the roadways.

In addition to some general information, we’ll talk about fatality numbers to better explain why car insurance companies increase prices for accidents, convictions and roadway violations.

Most Popular Vehicles Owned

Lubbock is not as notable as other cities, like Houston or Dallas, so we’ll have to consider what is the most popular vehicle in the state of Texas.

The most popular vehicle in Texas is the Ford F150, as mentioned in our Texas Car Insurance Guide. As you go through the guide, you’ll notice that the pickup truck is the most popular vehicle owned in Texas, which may apply to Lubbock as well. The most popular sedan is the Honda, a car brand known for its practicality and fuel efficiency.

Pickup trucks can be gas guzzlers, such as the GMC Truck and SUVs. Although they lack fuel economy, their overall longevity makes up for the use of fuel.

How Many Cars Per Household

About 41 percent of U.S. citizens own two vehicles. In Lubbock, 46 percent of residents own two cars, about 54,300 households in total, while 25 percent of Lubbock residents own one car.

Close to 19 percent of car owners have three cars. Data USA reports that’s around 21,800 households.

Households Without a Car

When we collected data regarding households without a car, we found that 7.3 percent of households didn’t own a vehicle in 2015. By 2016, only 5.6 percent of households didn’t own a vehicle, which indicates some level of improving prosperity in Lubbock.

According to transportation information from Data USA, car ownership increased further as 2.29 percent of households in Lubbock were reported as not owning a vehicle.

Speed Traps in Lubbock

Speed traps are law enforcement operations that monitor the speed of drivers in a designated area. Motorists who are caught speeding are pulled over and issued a speeding ticket. Speed traps, much like any sting operation, stem from many complaints from residents, other motorists, or city officials.

One speed trap was reported recently for the city of Lubbock. The speed trap was located on 40th Street and Elgin.

Android and IoS GPS maps can alert you that a speed trap is nearby.

The best way to avoid a speed trap is to be cautious with your speed and follow the speed limit as much as possible. Ultimately, obeying speed laws will save you money and decrease your chances of a vehicle crash.

Here’s a national news story about speed traps. This report will give you the rundown on how most people in the nation feel about speed traps.

Vehicle Theft in Lubbock

According to data provided by the FBI, Lubbock had a total of 1,203 vehicle thefts in 2018.

Lubbock Crime SummaryViolentPropertyTotal
Number of Crimes1,32810,19511,523
Crime Rate (per 1,000 residents)5.2340.1645.39

The chances of becoming a victim of violent crime are one in 228 in Texas and one in 191 in Lubbock. The chances of becoming a victim in a property crime are one in 39 in Texas and one in 25 in Lubbock. Residents are more likely to encounter property crimes than violent crimes.

The top five safest neighborhoods in Lubbock are Hurlwood, Slide, Quaker Ave / 98th St, Milwaukee Ave / 98th St and Burris.

Neighborhood Scout rates a city’s safety using the crime index, which is measured from one to 100, where 100 is the safest. The crime index of Lubbock, Texas is seven.

Traffic

Lubbock is one of the cities in Texas with low commute times. In this sub-section, we’ll idle on some traffic information and review how traffic congestion, transportation, fatalities, and other related factors affect traffic conditions in Lubbock.

Traffic Congestion in Lubbock

To effectively analyze traffic congestion, we’ve collected information from Numbeo to show accurate traffic congestion results for the city of Lubbock. Numbeo has few terms on how it defines the traffic congestion summaries.

A Traffic Index is a composite index of time consumed in traffic. It includes commutes to the workplace, dissatisfaction with estimated time consumption, estimated CO2 consumption in traffic, and overall traffic system inefficiencies.

Time Index is an average one-way time needed to transport, which is measured in minutes. Time Exp. Index is dissatisfaction due to long commute times.

Numbeo explains Time Exp. Index as an assumption that the dissatisfaction of commute times increases with each minute in traffic, especially if commute time is longer than 25 minutes.

Inefficiency Index estimates traffic inefficiencies. High inefficiencies information is based on when people drive a car instead of using public transportation or have super commutes times. It’s often used as a traffic component to measure economies.

CO2 Emission Index is the estimate of CO2 consumption while sitting in traffic. The unit of measurement is in grams.

Numbeo representatives stated, “To calculate an average estimation of emission in grams for one way commute to work, divide CO2 Emission Index by 2.”

The CO2 Emission Index in Lubbock, Texas is 3,059 grams. That’s the average CO2 consumption from home to work and vice versa. When you’re calculating the ride from work to home only, your CO2 consumption is only half of the emission index, which is 1,530 grams.

So what does peak traffic look like for Lubbock, Texas? We’ve summarized Numbeo’s traffic results in a data table below.

Traffic Congestion SummaryTraffic Congestion Stats
Traffic Index90
Time Index (in minutes)22
Time Exp. Index22
Inefficiency Index75
CO2 Emission Index3,059.00

The total time of commute to and from work is about 90 minutes or an hour and 30 minutes each day a motorist goes to work. Peak times, such as eight in the morning or five in the evening, often carry longer commute times.

The Lubbock time index, which is the time it takes to get to work, is about 22 minutes. If you were taking public transportation, your arrival time would still be 22 minutes.

Lubbock is one of the least congested cities in Texas. Take a look at this news report, which details the traffic conditions of Lubbock.

Transportation

According to Data USA, Lubbock has an average commute time of 16 minutes. That’s nearly 10 minutes less than the U.S. average commute time of 25 minutes.

Most residents of Lubbock drive alone to work, which is about 81 percent of employed motorists in the city. Approximately 13 percent of people in Lubbock carpool to work, while 3 percent of people work from home.

Busiest Highways

The busiest highway in Lubbock is Texas Highway 289. Highway 289 in Lubbock is a looping highway that constantly has residents and visitors alike on its roadway. It can be an exit for those with a super commute or those just passing through.

Highway 289 can be an effective way to quickly get around the city.

How safe are Lubbock streets and roads?

Roadways can be quite dangerous. Each time we enter our vehicles, there is a chance we will get into an accident. It’s one of the reasons car insurance companies have expensive car insurance rates per year.

Sometimes car accidents have life-ending results. This sub-section will cover the number of deaths across 2017. We’ve included Lubbock County and counties next to Lubbock to compare the number of fatalities.

We’ll start by covering fatal crashes in all categories. See the total number of fatalities involving all crashes in Lubbock, Texas.

Counties in Texas2017 Fatalities (All Crashes)
Crosby County1
Floyd County2
Garza County2
Hale County4
Hockley County4
Lamb County2
Lubbock County42
Lynn County4
Terry County2

Lubbock had the most fatalities of all other adjacent counties combined.

What about crashes involving DUI? Here’s a data table showing fatalities that involved alcohol-impaired drivers.

Counties in Texas2017 Fatalities Involving Alcohol-Impaired Driver
Crosby County0
Floyd County1
Garza County1
Hale County2
Hockley County2
Lamb County0
Lubbock County24
Lynn County3
Terry County0

Crosby, Lamb, and Terry Counties had zero fatalities involving alcohol-impaired drivers. Lubbock had the most fatalities involving alcohol-impaired drivers.

How many fatalities involved single-vehicle crashes? Single-vehicle crashes involve crashes where one driver may be affected. This may crashes that involve trees, guard rails, ditches, and other objects involving a single-vehicle.

Counties in Texas2017 Fatalities Single-Vehicle Crashes
Crosby County1
Floyd County2
Garza County0
Hale County4
Hockley County1
Lamb County0
Lubbock County24
Lynn County2
Terry County0

Lubbock County had 24 fatalities involving single-vehicle crashes, which is the same as fatalities involving alcohol-impaired drivers. Could they be related somehow?

Next, let’s see how many fatalities occurred that involved speeding.

Counties in Texas2017 Fatalities Involving Speeding
Crosby County1
Floyd County0
Garza County0
Hale County1
Hockley County1
Lamb County1
Lubbock County12
Lynn County0
Terry County1

In 2017, the trend continued with Lubbock having the most fatalities of the other counties surrounding it combined.

The next data table will show the totals for roadway departure fatalities. Roadway departures are fatal accidents that involve vehicles that leave the roadway upon collision.

Counties in Texas2017 Roadway Departure Fatalities
Crosby County1
Floyd County2
Garza County1
Hale County3
Hockley County1
Lamb County0
Lubbock County15
Lynn County2
Terry County1

Lubbock County had a total of 15 roadway departure fatalities while the counties next to it saw none to a minimum amount of fatalities.

We mentioned that Lubbock is a large metropolitan area that’s too big to be a small town. With 99 percent of the residents living in the urban area of the city, it’s likely intersection fatalities will occur. Let’s take a look at how many fatalities there were involving intersections.

Counties in Texas2017 Intersection Fatalities
Crosby County0
Floyd County1
Garza County1
Hale County0
Hockley County3
Lamb County1
Lubbock County14
Lynn County0
Terry County0

While the surrounding counties had fatalities in the single-digit values, Lubbock County had the most, with 14 fatalities in 2017.

Drivers aren’t the only people affected by car crashes. Passengers can also be involved in fatal accidents. Let’s look at the total for passengers in fatal accidents.

Counties in Texas2017 Passenger Car Occupant Fatalities
Crosby County0
Floyd County0
Garza County1
Hale County0
Hockley County2
Lamb County2
Lubbock County11
Lynn County1
Terry County1

A total of 11 passengers were involved in fatal accidents. Crosby, Floyd, and Hale County had zero fatalities involving passengers.

Pedestrians can be involved in fatalities involving vehicles, as well. Let’s look at some of the totals for pedestrians.

Counties in Texas2017 Pedestrian Fatalities
Crosby County0
Floyd County0
Garza County0
Hale County1
Hockley County0
Lamb County0
Lubbock County10
Lynn County0
Terry County0

Fatalities involving individuals who are not in vehicles come with serious consequences. Ten people in Lubbock County were involved in pedestrian-related accidents.

Cyclists along the road have to follow the same road rules as many who are on the roadway, but sometimes cyclists or pedalcyclists are involved in fatal accidents. Let’s review the totals below.

Counties in Texas2017 Pedalcyclist Fatalities
Crosby County0
Floyd County0
Garza County0
Hale County0
Hockley County0
Lamb County0
Lubbock County2
Lynn County0
Terry County0

All surrounding counties around Lubbock County had zero fatalities involving pedalcyclists. Lubbock County, however, had two fatalities.

Fatality Analysis Reporting System (or FARS) track fatalities to certain types of roads. Those roads are known as arterial roads, minor arterial roads, and collector roads.

Arterial roads are roads heavily populated with traffic, while minor arterial roads are smaller roads that link cities and small towns. Collector roads connect motorists to collecting points on roadways and eventually connects to arterial roads within the county.

Road TypeFatalities in Lubbock CountyFatalities in Texas
Collector Arterial4600
Freeway and Expressway10260
Local3261
Minor Arterial6652
Rural Interstate0176
Urban Interstate0402
Other18982
Unknown010
Total413,343

Lubbock’s share of fatalities is small. It may be due to the number of people in Lubbock.

Are there a lot of fatalities that involve railroads? We have some data that involves Lubbock’s railroad crossing fatalities and injuries.

Highway CrossingHighway Driver TypeRail Equipment TypeNon-Suicide FatalityNon-Suicide Injury
34TH and ALCOVEAutomobileFreight Train01
50TH STREET EASTTruck-trailerYard/Switch00
CR 8006AutomobileFreight Train01
CR 9312Truck-trailerFreight Train10
EAST 38TH STREETAutomobileYard/Switch00
EAST 40TH STREETPick-up truckYard/Switch00
FARMERS COOPTruck-trailerFreight Train00
FEEDLOTTruck-trailerFreight Train00
FM 179 - INTER AVEAutomobileFreight Train00
FM 0400AutomobileFreight Train00
INLER AVENUEAutomobileFreight Train01
PRIVATEAutomobileFreight Train10
PRIVATETruck-trailerFreight Train00
SPUR331/SOUTHEAST DRPick-up truckYard/Switch10

Even though there’s a lot of fatalities involving motor vehicles, fatalities and even injuries are minimal when regarding railroad crossings.

Allstate America’s Best Drivers Report

Each year, Allstate provides an annual report on cities across the U.S. and their driving performance as a whole. Where does Lubbock, Texas, fit into these reports? What’s their rank among the cities of the U.S.?

Lubbock, Texas, ranks 53 in the nation for best drivers in the U.S. Lubbock’s rank dropped from 49 in the past year but estimates that motorists are usually in an accident every 10 years.

There’s no available information regarding hard braking, and many Lubbock motorists are less likely to file a claim than any other U.S. motorists.

Ridesharing

Although Lubbock is a metropolitan area, it doesn’t have many ridesharing services. The three main ridesharing services in Lubbock are traditional taxis, Uber, and Lyft.

E-star Repair Shops

We like to provide at least 10 E-star Repair Shops for our readers, but Lubbock only has one E-star Repair Shop — Gerber Collision. Here’s the location of the repair shop:

Gerber Collision — Lubbock

If you already have car insurance, consult your car insurance company about collision shops or E-star locations outside of Lubbock.

Weather

Lubbock’s average temperatures are about 60 degrees. The city has an annual high temperature of 74 degrees. During the summer, those temperatures can reach over 100 degrees. During the fall and winter months, the average low temperature is about 47 degrees. Polar vortexes can drop those averages dramatically.

Throughout the year, Lubbock has at least 19 inches of rainfall. Rainfall totals increase during hurricane season.

Speaking of hurricanes, the number of natural disasters in Lubbock are from hurricanes. City-Data reported a total of six hurricane natural disasters in 2017. The second-most natural disasters were floods and tornados.

With the increased likelihood of floods, there are a lot of storms that will be present, as well. Storm damage can cost thousands of dollars’ worth of damage to your vehicle.

To ensure that your car is covered by your insurance company, enroll in comprehensive coverage. Comprehensive car insurance coverage pays for damages that involve falling objects, storm damage, fire damage, and other forms of damage. Be sure to consult your car insurance company about comprehensive car insurance coverage.

Public Transit

Lubbock’s public transit system is Citibus. Citibus offers different service fares for various purposes. They label these services as Fixed Route.

Fixed Route services are provided to the public. They are a set of fixed routes circulating the city on a set schedule. Buses are fully accessible to all persons, even those with disabilities.

Fixed Route services start running public transportation from 5:25 a.m. and end at 7:45 p.m. on Monday through Friday. Saturday service begins at 6:45 a.m. and ends at 7:55 p.m.

There’s no fixed route service on Sunday or holidays like New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.

Medicare recipients, seniors, and people with disabilities pay reduced prices for fares.

Let’s have a look at some of the prices for commuting around Lubbock using Citibus services.

Commuter SummaryFixed Route Regular Fares
Adults$1.75
Children 6-12$1.25
Children under 5$0.00
Fares for Medicare, Seniors*, People w/ Disabilities$0.85

Medicare recipients, seniors, and people with disabilities receive a discount.

These are the prices of passes for Citibus.

Fixed Route PassesFixed Route Passes Cost
One-day pass$3.50
Weekly pass$14.50
Monthly pass$50.00
Passes for Medicare, Seniors, People w/ Disabilities$25.00

Medicare recipients, seniors and people with disabilities pay half price for Citibus passes.

Alternate Transportation

NiteRide and Citibus U Passes are alternatives for public transportation in Lubbock.

Citibus defines NiteRide as “a curb-to-curb evening service.” This service accommodates the needs of passengers who require service within the Lubbock city limits during the evening and the end of fixed-route and paratransit services. NiteRide services start at 6:45 p.m. to 10:30 p.m.

Here are the costs of using NiteRide services:

NiteRide Pass SummaryCost of NiteRide Passes
NiteRide 24-hour notice (per trip)$4.50
Same Day Notice$7.50
Reese Center & Turf Therapy (per trip)$12.00
25 Nite Ride Passes$100.00

Students who want to commute around the city of Lubbock using public transits can enroll in Citibus’s CitiKids, CitiSummer, orCitit U Passes.

The cost of CitiKids, CitiSummer, and Citi U Passes are $52.50

Citibus officials say that recipients must register at their offices. Pre-teens and teens younger than 16 will need a parent or legal guardian to verify registration and to verify proof of age.

A picture I.D. will be provided by Citibus and the picture I.D. must be carried with CitiKids and CitiSummer Passes.

Citibus U Passes are available to college students who commute around Lubbock. College students who attend Wayland Baptist University, Lubbock Christian University, Vista College, and Kaplan College have unlimited ride access around the city of Lubbock.

Passes can be purchased at the Citibus main office at 801 Texas Avenue or the Downtown Transfer Plaza at 801 Broadway. Proof of college enrollment will be required.

For now, there’s isn’t an alternate transit system around the entire city of Lubbock.

Parking in Metro Areas

Like any other city in the U.S., Lubbock has strict parking rules. Because the city is mostly comprised of urban areas, vehicles must be parked at least 150 feet away from buildings on public streets.

Permanent residents and long-term guests will require a parking permit. Parking for short-term guests and gatherings require passes from the city of Lubbock.

To receive a permit, you must complete an application with the city of Lubbock. Once approved, you will be able to park your vehicle on public streets. One guest pass will be issued once you receive your permit.

Service vehicles are exempt from permits and passes.

Air Quality in Lubbock

The commute times are short in Lubbock. Does that mean the city is less likely to encounter poor air quality? The Environmental Protection Agency (EPA) measures air quality through air quality index (AQI). Here’s a summary of Lubbock’s  AQI from good to unhealthy throughout the year.

# Days with AQIGoodModerateUnhealthy for Sensitive GroupsUnhealthyVery Unhealthy
24523311100

Throughout the year, there were more good days with good AQI. There was only one day where air quality was unhealthy for Lubbock residents.

Military/Veterans

Veterans by Service Period

At least 8,000 veterans are living in Lubbock. Most veterans who live Lubbock were in the Vietnam Conflict, which is about 3,100 people.

Military Bases within an Hour

For new military members and recent veterans, good news: a military base is not far away. The table below lists three military bases that are less than an hour away from Lubbock.

Military BaseAddressEstimated Time via Interstate
U.S. Reese AFB Conversion Agency9801 S Reese Blvd # 300, Lubbock, TX 7941618 to 21 minutes
U.S. Naval Reserve Center301 E Regis St, Lubbock, TX 794037 to 11 minutes
U.S. Army Lubbock Medical Recruiting Station6502 Slide Rd Suite 407, Lubbock, TX 7942411 to 15 minutes

The airbase is less than 10 minutes away, depending on where you are in Lubbock.

Military Discounts by Provders

Military members and veterans can receive discounts from car insurance companies. USAA is one of the companies that exclusively insures vehicles and homes for military members, veterans, and military immediate families.

Companies such as Allstate, Esurance, Farmers, Geico, Liberty Mutual, Metlife, Safe Auto, State Farm, and The General have discounts for military and veterans.

USAA Available in Lubbock

Let’s have another look at car insurance companies in Lubbock and compare average annual rates to USAA.

CompanyAverage
Allstate$5,578.14
American Family$4,715.64
Geico$3,262.85
Nationwide$3,601.91
Progressive$4,725.25
State Farm$2,925.11
USAA$2,738.59

Car insurance companies outside of their discounted rate are more expensive per year than USAA. If you’re shopping for car insurance, ask other car insurance companies about military discounts. and compare them to USAA’s current annual rate.

Unique City Laws

Lubbock has a few laughable and unique laws. We’ll bring you some of the best we’ve seen.

  • For anyone to hold office in Lubbock, they first must acknowledge a supreme being.
  • It’s illegal to sell an eye in Lubbock.
  • Did you know you can’t have three sips of beer while standing in Lubbock? Police are likely to arrest a person on public intoxication, but you’ll have to fall all over the place for them to enforce it.

Hands-Free Laws

What about Hands-Free Laws? Lubbock complies with Texas’s law of banning devices while operating a motor vehicle. It is a primary offense, so a police officer can pull you over for using your device while driving on the road.

Food Trucks

Food trucks can be only operated if the food truck owner establishes a business license and receives a permit to operate their food truck in the city of Lubbock. Last year, Lubbock City Council approved food truck owners with permits to operate their food truck services in parks.

Tiny Homes

Texas, in general, has tons of rural land. Within the city of Lubbock, you’ll likely run into some issues with building a tiny house. But you may have more luck with vacant land around Lubbock. Tiny laws are very specific to the area. As you research tiny homes or tiny houses, you’ll see several listings throughout Lubbock.

Parking Laws

Lubbock has made parking law simple. If you are in the city limits of Lubbock, you have to get a permit. Motorists who do not have permits could be ticketed and fined. Residents who are having gatherings should alert the city and issue passes to their guests. Long-term guests have to get a permit.

Lubbock Car Insurance FAQs

Finally, let’s cover some questions and other things we may have missed in the guide. But first, glance through the guide for more information. You may be able to find the answer to your questions.  If you have any additional questions, post them in our comment section and we’ll post our answers.

Does Lubbock have state-sponsored car insurance?

No. Only three states in the U.S. have state-sponsored or government assistant car insurance. Those states are California, Hawaii, and New Jersey.

Are there speeding cameras in Lubbock?

It’s not likely that speeding cameras are in Lubbock, considering that red light cameras were banned in the Summer of 2019. But you should be cautious of speed traps.

I live outside the city of Lubbock. Do I need a parking permit if I come into the city?

No, but you may need a parking pass to park on a public street. Parking passes from the city of Lubbock expire in one year of the day you get the pass.

I’m a high-risk driver. How do I enroll in car insurance when other car insurance companies turn me down for a policy?

By law, car insurance companies have to tell you the reason why they can’t give a policy. If you have spent the last 60 days, trying to enroll in car insurance voluntarily with no avail, you can ask the local DMV to enroll you in the Texas Auto Insurance Plan.

They will find a car insurance company that will ensure you for at least three years or until you are no longer a high-risk driver.  Get more information from our comprehensive Texas Car Insurance Guide.

Is there an airport in Lubbock, Texas?

Yes. The Lubbock Preston Smith International Airport is located in the city of Lubbock.

For another quick look at car insurance rates in Lubbock, use our FREE quote tool below by entering your ZIP code to see the rates for your area.

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