Full Coverage Car Insurance in Lubbock


Providing you a seamless experience to finding full coverage car insurance in Lubbock.





Why You Should Get Full Coverage Car Insurance in Lubbock



Have you searched for the full coverage car insurance in Lubbock but ended up with just the minimal coverage required due to prices? Though it may look like you got a great deal, you might regret not getting complete full coverage car insurance. If you should get into an accident and find after that the repair expenses won't be covered by your insurance provider on your own vehicle, this may be problematic. Unfortunately, numerous drivers in Lubbock have found out the hard way. Paying for full coverage car insurance in Lubbock offers you greater protection than the minimums; especially for accidents where you're not at fault. However, this would mean higher costs. The upside of high costs of full coverage car insurance is comfort knowing that your car, you, and anyone involved in an accident are covered. Think about getting full coverage car insurance in Lubbock if you've got a car and drive own a home, and have assets to protect.

Percentage of Traffic Fatalities Caused by Alcohol in Lubbock

27 %

Percentage of Traffic Fatalities Caused by Speeding in Lubbock

25 %

Percentage of Traffic Fatalities Involving Cyclists in Lubbock

29 %

Percentage of Traffic Fatalities Involving Pedestrians in Lubbock

12 %


Average Price of Full Coverage Car Insurance in Lubbock by Credit Score



  • 3,408.92

    Very Poor (300-579)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 2,142.52

    Fair (580-669)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,795.09

    Good (670-739)

    Average Cost of Car Insurance for those with a good credit history.

  • 1,680.72

    Very Good (740-799)

    Average Cost of Car Insurance for those with a very good credit history.



What’s Included if You Get Full Coverage Car Insurance in Lubbock

Complete full coverage auto insurance coverage isn’t a singular type of coverage but rather an combination. It’s a phrase which may have origins within finance as a way to summarize a combination of coverages required to finance or lease a car. It generally is comprised of collision and comprehensive coverage, which covers your car if damage and liability Insurance, which covers accidents and damages you cause to others. Complete auto insurance coverage tends to be more expensive than liability coverage on its own, so it may be best to hunt for cheaper prices. To sum it all up: “full coverage = liability + comprehensive + crash”. Collision insurance pays for repair prices to your vehicle if you are accountable for the collision.
cheap full coverage car insurance Lubbock TX content image

The upside of high prices of getting coverage car insurance in Lubbock is comfort knowing that your car, you, and anyone else involved in an accident are covered.


When Do You Not Need Full Coverage Car Insurance


If you have an older vehicle, it could be best to ditch obtaining collision coverage in Lubbock. Let's say your vehicle is worth ,500, and you've got a ,000 deductible. If you get into an accident, your insurer in Lubbock will contribute at most ,500 to fix or replace your car. Bear in mind, your insurance policy won't kick in unless you get into accident --one over ,000 in damages. Meaning, you might be spending over /year paying. A more financially sound idea is to put money aside and make an accident fund if the worst were to happen --then at least you will be ready. By law, you're required to carry liability insurance. Obtaining liability insurance ensures that if you're at-fault, property damages or other people's bodily are covered by your own insurance. So in with an older car, you might want to opt for only getting liability insurance coverage.

Percentage of Traffic Fatalities Caused by Alcohol in Lubbock

26 %

Percentage of Traffic Fatalities Caused by Speeding in Lubbock

15 %

Percentage of Traffic Fatalities Involving Pedestrians in Lubbock

29 %



How Much More You'll Pay for Full Coverage in Lubbock By Age


Age DemographicPercentage More You'll Pay
Full Coverage in Lubbock for Drivers Between 16-196,859.94
Full Coverage in Lubbock for Drivers Between 20-293,151.95
Full Coverage in Lubbock for Drivers Between 30-392,471.88
Full Coverage in Lubbock for Drivers Between 40-492,391.79
Full Coverage in Lubbock for Drivers Between 50-592,120.31
Full Coverage in Lubbock for Drivers Between 60-692,186.82
Full Coverage in Lubbock for Drivers Between 70-792,473.24



How to Get the Best Full Coverage Car Insurance in Lubbock

It's true that having full coverage car insurance in Lubbock will be more costly than other types of coverages, but there are ways to make it low-cost and save you money on your bill. First, regulate your deductible on your auto insurance coverage. The lower your deductible, the more you will find yourself covering every month for your full coverage car insurance. As previously mentioned, if you put aside some money and produce an accident fund you have lower monthly payments and can end up raising your deductible. Another thing you can do is make sure you maintain any discounts. Estimates comparison shopping can save you thousands annually on your auto insurance bill. There are a large number of insurance companies in Lubbock vying for your business and many will vary in prices by hundreds. If you're not comparing quotes you will never know if you are really getting the quote on your full coverage car insurance plan.


Having coverage car insurance in Lubbock will be more costly than other types of coverages, but there are ways to make it cheap and save you money on your bill.