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Get Cheap Car Insurance in University Pines, Lubbock, TX
We monitor insurance prices, helping the average driver in University Pines save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in University Pines
The chart below shows the cheapest car insurance company in University Pines for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| University Pines Insurer | Monthly Cost |
|---|---|
| Clearcover | $44 |
| Mile Auto | $58 |
| Progressive | $59 |
| State Farm | $64 |
Savings for Every Kind of University Pines Driver
Based on our extensive insurance data, we know the average University Pines driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $349 per year by choosing the right vehicle insurance company. Some University Pines residents are paying out over $1,698 extra every year for auto insurance in University Pines. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
University Pines, Lubbock, TX Savings / Yr. |
|---|---|
$349 |
|
$800 |
|
$705 |
|
$807 |
|
$1,229 |
|
$464 |
|
$508 |
University Pines Car Insurance vs. Lubbock
People living in University Pines pay an average of 13.08% less than the typical driver in the state. The average driver in University Pines can expect to pay about $1,012 per year, or $1,698 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in University Pines for most people.
Car Insurance Prices by University Pines Neighborhood
Insurance Prices
Where is insurance cheapest within University Pines?
The map shows insurance prices in and around University Pines, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $92 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,719 to a low of $1,627. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of University Pines.Pick the Best Car Insurance Company for You in University Pines
The best car insurance provider for most drivers in University Pines
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $349 over the average University Pines car insurance company.
The best car insurance provider for University Pines drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $800 over the competition.
The best car insurance company for University Pines drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $705 better than other car insurance companies.
The best auto insurance for University Pines drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $807 less each year.
The least expensive car insurance company for new and young drivers in University Pines
In University Pines, State Farm costs young drivers $1,229 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in University Pines
State Farm gave the largest car insurance discounts to married couples, averaging $464 saved each year compared to an average University Pines couple's premiums.
The cheapest car insurance in University Pines for drivers with bad credit
The best University Pines car insurance company for customer service
Nationwide was the best company for customer service in University Pines according to the NAIC.
Recent price drops
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The cheapest large national provider in University Pines
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average University Pines driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In University Pines, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around University Pines
What Influences the Cost of Car Insurance in University Pines?
On average, car insurance in University Pines is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in University Pines is 23 minutes, which is far less than average for a driver in the city.
- Texas state insurance regulations may require higher prices.
- An average of 0 to 1 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in University Pines are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- University Pines is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in University Pines is $84 per month for minimum coverage and $142 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Waters: Insurance costs 2.18% less
- Caprock: Insurance costs 0.82% more
- Bayless Atkins: Insurance costs 4.36% more
- Clapp Park: Insurance costs 9.66% more
- Tech Terrace-U.N.I.T.: Insurance costs 1.47% more
- Wester: Insurance costs 4.42% more
- South Overton: Insurance costs 3.65% more
- Bowie: Insurance costs 0.47% more
- North Overton: Insurance costs 1.41% more
- Arnett Benson: Insurance costs 9.01% more
Neighborhoods with Similar Populations
- Downtown Hilo: Insurance costs 14.78% less
- SW Jones: Insurance costs 32.21% less
- Stonemeade: Insurance costs 56.95% more
- State and Cypress: Insurance costs 15.90% less
- Southwest Saginaw: Insurance costs 88.28% more
- Eastside Santa Barbara: Insurance costs 27.39% more
- Eastmorland: Insurance costs 31.51% less
- East Village: Insurance costs 47.29% more
- East Harriet: Insurance costs 3.95% more
- East Boulder: Insurance costs 15.72% more