Cheap Car Insurance in Lubbock, Texas

Interested in knowing more about Lubbock and how to obtain cheap car insurance? Well, with a population of nearly 250,000 and home to Texas Tech University, Lubbock is often called “Hub City,” since it is the economic and educational center of northwest Texas. Lubbock lies in an area known as the South Plains, just south of the Texas panhandle, known as the largest contiguous cotton-growing region in the world.

Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Lubbock, Texas. Get your auto insurance quote today!

Driving Conditions in Lubbock

Lubbock in recent years has earned bragging rights regarding its traffic and commute times. Compared to average U.S. cities commute of 25.2 minutes, Lubbock's average is only 16 minutes, according to Census Bureau data.

Interstate 27 bisects the city running north-south. The 289 Loop encircles Lubbock, but local drivers say this route is often congested and best avoided during rush hour.

Current information on accidents, construction and weather-related delays is available at transguide.dot.state.tx.us, or drivetexas.org.

Unique Laws in Lubbock

Despite the state's seat belt laws and recommendations, there's nothing illegal about riding in the back of a truck, if you're 18 or older. In fact, there are even exceptions to laws that allow children to ride in truck beds – one of those being if the truck is the family's only vehicle.

After an auto accident in Texas, there is a two-year statute of limitations on filing a lawsuit for personal injury or property damage.

Lubbock Crime Statistics

The Lubbock metro area for 2015 was listed at No. 32 on the National Insurance Crime Bureau’s most recent ranking of cities with the highest vehicle theft rates, with a rate of 394.98 incidents per 100,000 people. The national average for the same year was a rate of 220.2 per 100,000 people.

Lubbock Safety Requirements

Texas law requires everyone in a vehicle to buckle up or face fines and court costs up to $200. Children younger than 8 must be in a child safety seat or booster seat unless they’re taller than 4 feet 9 inches, according to the Texas Department of Transportation. If they aren’t properly restrained, the driver faces fines up to $250, plus court costs.

More information on seat belt and car safety is available at texasclickitorticket.com.

There are no current state laws addressing texting or cellphone use for drivers over 18, though cellphone use of any kind is banned in school zones.

Lubbock Impaired Driving Laws

Drivers in Texas are considered legally intoxicated and may be arrested and charged with DWI if they have a .08 BAC (blood or breath alcohol concentration) or higher. One can also be deemed intoxicated if impaired due to alcohol or other drugs – regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car.

DWI first offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver's license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver's license. Charges are enhanced if there is a passenger younger than 15 in the car.

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Car Insurance Lubbock, Texas Agents

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  • Hettler Insurance Agency

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    Ron Hettler
    Established in 1992, a lubbock insurance agency serving over 1800 households and businesses. We offer auto, home, health, and life insurance as well as business needs including liability, property, workers compensation and bonds. Our carriers include travelers, safeco, progressive, republic, blue cross blue shield of texas, and metlife


    What makes your specific agency stand out from your competition?
    We offer auto, home, health, and life insurance as well as business needs including liability, property, workers compensation and bonds. Our carriers include travelers, safeco, progressive, republic, blue cross blue shield of texas, and metlife.


    • Rates From 6 Different Auto Insurance Carriers Lead To Low Cost Plans

      Discounts And Specials From Multiple Carriers

    • General Lines Agency

    • 9513

    4432 S Loop 289
    Lubbock, TX 79414
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    Reviews

    I was able to get affordable health insurance quickly, what more could you ask for. Really pleased with my discussion with Ron.

  • Fred Loya Insurance

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    Rodrigo Montoya
    Cheapest car insurance available.


    5324 21 St.
    Lubbock, TX 79407
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  • Danny Leake

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    5137 69th St Ste E
    Lubbock, TX 79424
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    Reviews

    I really appreciate Danny and his staff. They are friendly, helpful; I feel as if I am talking to an old friend whenever I go there.

  • Ralph Beadle Insurance Agency

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    Po Box 53658
    Lubbock, TX 79453
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    Reviews

    THEY HAVE ALWAYS BEEN EXTREMELY HELPFUL! AND I WOULD RECOMMEND ANYONE TO USE THIS COMPANY!

  • The Sanford Agency

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    6303 Indiana Ave
    Lubbock, TX 79413
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    Reviews

    Diana is fantastic! She fully explains everything and provides fantastic customer service!

    I really like how they always provide me with clear and helpful service. They always handle everything in a timely manner as well.

  • Tommy Reece

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    3114 50th St
    Lubbock, TX 79413
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    Reviews

  • Adams Ewing Insurance Agency
  • Affordable Insurance
  • Alan Henry Insurance Agency
  • All Quote Insurance
  • All Risk Insurance Agency
  • All Write Insurance
  • Alliance Insurance Agency
  • Anco Us Producers Group
  • April Sandoval
  • Area Insurance Associates
  • Ashmore & Associates Insurance Agency
  • Autopartners Insurance Agency
  • Aycock & Fowler Insurance Agency
  • Bill Hatchett Aai
  • Bill Holliday
  • Bill Wolfe
  • Bledsoe Insurance Agency
  • Branden Armstrong
  • Brooke Agency - Chris Mealer
  • Brooke Agency - Erick Willcoxon
  • Budget Insurance
  • Butler-carson Insurance Agency
  • Cam Fannin Insurance Agency
  • Cecil-dunn Insurance Agency
  • Charles Short Insurance Agency
  • Cheri Louise Jeter
  • Chris C Jasper
  • Coby Schoenig
  • David Tate Insurance Agency
  • Dennis Stotts
  • Denton Rose
  • Dick Phillips
  • Doug Townsend
  • Eddie Wilt
  • Edwards & Abernathie
  • Elroy Carson Insurance Agency
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Farmers Insurance Group
  • Fiesta Statewide Insurance
  • Fransan Insurance Services
  • Gary L Jeter
  • Grimes Group Agency
  • Grimes Insurance Agency
  • Harold Bradley
  • Hershel Spears Insurance Agency
  • Holmes Insurance Agency
  • Ince Insurance Agency
  • Integra Financial Group
  • J B Mann Insurance Agency
  • J Biscoe
  • J E Murfee & Son
  • J Scott Biscoe
  • Jane Phillips
  • Jason Grisham
  • Jesse Powell
  • Joe Blacklock
  • Joel Clary
  • Joey Cooper
  • Johnny Vestal
  • Joshua D Blanchett
  • Jules A Minne
  • Keith Potts Insurance Agency, Inc.
  • Ken Marshall
  • Kevin Kerr Insurance Specialists
  • Kevin Watson
  • Kim S Emerson
  • Kizer Insurance
  • Lisa Caldwell
  • Lubbock Insurance
  • Lynn Alexander
  • Maeker Insurance Agency
  • Mark Jennings
  • Marvin Grimes
  • Michael Berg Insurance Agency
  • Nelda Jett
  • Nick Futrell
  • Patrick Bailey
  • Paula Montoya
  • Peter Griffith - State Farm Insurance
  • Quisenberry & Associates
  • Raider Insurance Agency
  • Randy Burris Insurance Agency
  • Randy Moore
  • Rebecca Egert
  • Rick Rosas
  • Roddy Simmons Jr
  • Russell Donaway
  • Shofner & Associates Insurance Agency
  • Sims-perrin Insurance Agency
  • Stan Cribbs
  • Statewide Insurance
  • Tammi Mcada
  • Texas American Insuers
  • Texas West Insurance Agency
  • The Christopher Agency
  • The Shropshire Agency
  • Trina Ehlers
  • Victor Gamez
  • Wayne Lawley
  • Wells Fargo Insurance Services
  • Wolfforth Insurance Agency

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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