Cheapest Auto Insurance in Lubbock, Texas (2025)

State Farm, Mile Auto, and Allstate offer the cheapest car insurance rates in Lubbock.

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Cheapest recent rates near Lubbock, Texas

Recent Lubbock, Texas car insurance prices for Mitsubishi, Chrysler, Honda , and more.

*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Danny Smith
Written byDanny Smith
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Danny Smith
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  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Amy Beardsley
Edited byAmy Beardsley
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Amy BeardsleyInsurance Writer
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Lubbock is the intersection of a sprawling landscape and modern urban living in West Texas. Located between two major interstates, the city is prone to heavy traffic. 

But Lubbock drivers have to contend with more than busy roads. They must also make room in their budgets for an overall average monthly premium of $166 for car insurance, which is just below the overall Texas average of $171 per month.

Whether you’re a new driver or an experienced one, you’ll learn how to find the right auto insurance policy for you below. Remember to always compare quotes before buying a policy.

Quick Facts
  • Lubbock drivers with poor credit pay nearly twice as much for car insurance.

  • On average, drivers in Lubbock pay $219 per month for full coverage and $112 for liability only.

  • State Farm, Mile Auto, and Allstate offer the cheapest car insurance rates in Lubbock.

3 of the cheapest car insurance companies in Lubbock

The cheapest car insurance company may not always be your best choice. Insurance companies consider many factors when setting rates, such as age, ZIP code, driving record, vehicle type, and credit score. Your rate will differ from every other driver, so it’s crucial to compare quotes from multiple insurers to find the best fit. The average quotes listed in the table below apply to Texas overall, not just Lubbock.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
State Farm9.3$94$58Cheap rates
Progressive8.7$186$99Drivers with an at-fault accident
Allstate8.9$132$82College students
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$85/mo
4.1
Best choiceBased on 11,547 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,141)
Rancita
Verified Review
Retiree rates are expensive even with minimal mileage
Reviewed in Delaware on September 2025
Fair. I had them for five years and rates are getting expensive.
Sergey
Verified Review
State Farm rocks
Reviewed in Pennsylvania on September 2025
To understand why I rated this company so highly, I would say that the coverage I recently had cost at least 40-45% less than that of other providers with comparable quality overall.
Annabelle
Verified Review
Best value for the money
Reviewed in Utah on September 2025
Best price for the most coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Drivers can find the cheapest car insurance in Lubbock at State Farm. The company has 23 agents available in the city and earns high marks for customer service from J.D. Power. You can also cut up to 30% off your premiums by enrolling in State Farm’s Drive Safe & Save program.

Pros
  • 23 agents in the city

  • Among the cheapest companies in Lubbock

  • Savings of up to 30% for driving fewer miles

Cons
  • 38 National Association of Insurance Commissioners (NAIC) complaints filed in Texas in 2022

  • Average grade of C- for claims handling from the CRASH Network

  • Can’t buy a policy online

Best insurer for drivers with an at-fault accident: Progressive

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$96/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$169/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,060)
Kimberly
Verified Review
I've been with Progressive for a while. I had to file a claim last year for an accident, and the agent was very prompt, caring, and friendly.
Reviewed in Arizona on September 2025
I've been with Progressive for a while. I had to file a claim last year for an accident, and the agent was very prompt, caring, and friendly.
Apryl
Verified Review
Review
Reviewed in New Mexico on September 2025
Easy to navigate the app and add to the policy. Easy access to policy and cards.
Primitivo
Verified Review
Excellent
Reviewed in Ohio on September 2025
The best in insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive is a top choice for Lubbock car insurance if you have an at-fault accident on your record. The company offers three types of accident forgiveness to help lower your rates. “Small accident forgiveness” helps for claims under $500, while “large accident forgiveness” keeps your rates steady after an accident. You can also purchase extra accident forgiveness perks.

Pros
  • 22 agents in Lubbock

  • Average bundling discount of 20%

  • No NAIC complaints filed in Texas in 2022

Cons
  • Charges higher rates for drivers with an at-fault accident

  • Below-average J.D. Power customer satisfaction rating in Texas

  • Average grade of C for claims handling from the CRASH Network

Best insurer for college students: Allstate

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$76/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo
3.9
A solid optionBased on 7,027 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,707)
Scott
Verified Review
Allstate review
Reviewed in Ohio on August 2025
Good policy premium pricing
Teresa
Verified Review
Rip off
Reviewed in Tennessee on August 2025
Priced fairly high to start, but the rates have kept going up with no added bonuses.
Michael
Verified Review
Top Rate
Reviewed in Texas on August 2025
Rates are too high, but they pay off quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

More than 52,000 students attend college in Lubbock. If you’re one of them and need car insurance, consider Allstate. The company has nine insurance agents in the city, giving you easy access to in-person support if you need it. If you’re younger than 25, ask about discounts for completing a driver education program, getting good grades, or attending school at least 100 miles from home.

Pros
  • 9 agents available in the city

  • Numerous discounts for college students

  • Rideshare coverage options available

Cons
  • No agents on the east side of Lubbock

  • 5 NAIC complaints filed in Texas in 2022

  • Below-average J.D. Power customer satisfaction rating in Texas

How to get the cheapest car insurance in Lubbock

Insurers consider age, marital status, vehicle choice, household members, and whether you own a home when setting premiums. But your driving record, auto insurance history, and credit score also have an effect.

Considering all that, finding wallet-friendly car insurance in Lubbock isn’t impossible. Here’s how to lock in affordable rates:

  • Bundle your auto and home coverage. Combining your car insurance with other policies, like home or renters insurance, can qualify you for discounts of up to 25%.

  • Increase your deductible. A higher deductible can lower your premiums. Just make sure you can cover the cost when the time comes to file a claim.

  • Drive safely. A clean driving record is key to qualifying for the best rates.

  • Plan ahead. Purchase your new policy before your current one expires to qualify for savings.

  • Shop around. Don’t settle for the first quote you get. Compare quotes from different insurers to make sure you get the best coverage at the lowest price.

Find Cheap Car Insurance in Lubbock, Texas

Monthly rates start as low as $55 for liability coverage

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Lubbock: State Farm

Liability car insurance offers protection for damages or injuries you may cause to others while driving. It’s a type of minimum-level coverage that meets the legal requirements for auto insurance for Texas drivers. A liability policy doesn’t cover your damages, injuries, or vehicle repairs. It covers only the other party’s medical expenses and property damage.

Lubbock residents pay an average monthly rate of $112 for liability-only car insurance. Here are some of the best quotes for liability coverage in Lubbock.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Average Monthly Quote
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State Farm$55
Mile Auto$67
Allstate$76
Mercury$92
Progressive$96
USAA$97
Dairyland$116
Root$116
The General$118
Bristol West$118
AssuranceAmerica$121
Nationwide$122
Commonwealth Casualty$125
GEICO$125
Safeco$125
Clearcover$129
Direct Auto$139
National General$139
GAINSCO$141
Elephant$149
Chubb$165
Foremost$189
21st Century$191
Liberty Mutual$246
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lubbock: State Farm

The difference between liability and full-coverage car insurance is that full coverage also pays for damages to your own vehicle. Full coverage is a collection of policies, including liability insurance, collision insurance, and comprehensive insurance.

Drivers who want the broadest protection and minimal out-of-pocket costs in the event of an incident should consider full-coverage car insurance. On average, full coverage costs Lubbock drivers $219 per month. Below are some of the cheapest options for full-coverage auto insurance in Lubbock.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$85
Allstate$120
Mile Auto$137
Mercury$152
USAA$152
Progressive$169
GEICO$174
Nationwide$191
Safeco$202
Clearcover$210
Root$211
Direct Auto$233
The General$233
Elephant$234
Bristol West$245
National General$245
Chubb$258
AssuranceAmerica$262
GAINSCO$285
21st Century$298
Dairyland$316
Liberty Mutual$320
Commonwealth Casualty$330
Foremost$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Lubbock, Texas

Recent Lubbock, Texas car insurance prices for Mazda, Mitsubishi, Toyota , and more.

*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 8, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Texas

Texas law requires 30/60/25 coverage. That means your policy must have $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability coverage.

Your Texas car insurance will also include personal injury protection (PIP), which pays medical expenses, lost wages, and other non-medical costs for you and your passengers. But you can opt out of PIP coverage by notifying your insurer in writing.[1]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

A crucial consideration is that the minimum coverage requirements may not be enough to protect you financially in an accident. Because you’re responsible for covering damages and injuries if the cost exceeds your policy limit, the Texas Department of Insurance recommends increasing your coverage levels.[1]

You can also purchase additional coverage for even more protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage takes care of costs to repair or replace your vehicle following an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers stolen vehicles and damage from non-collision events, like fire, flood, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured or underinsured motorist coverage steps in to cover hit-and-run accidents and situations when the other driver lacks insurance or has insufficient coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    Towing and labor coverage pays for roadside assistance, such as towing expenses and labor costs for tasks like changing a flat tire and jump-starting your battery.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    Rental reimbursement coverage helps pay for the cost of renting a car after an accident while your vehicle is undergoing repairs.

Texas insurance laws and programs

Texas has a few other notable insurance laws and programs for Lubbock drivers. For instance, your insurer automatically covers new cars you buy for about 20 days after purchase. And if you rent a car, your insurance policy coverage for your vehicle generally covers you if you drive it for personal use but not if you use it for work.

Although you’re probably less likely to venture into Mexico than someone who lives in Candelaria, it’s important to note that your insurance policy isn’t any good once you cross the border — American auto policies won’t protect you in Mexico. At a minimum, you’ll need an endorsement from your insurer, but you should consider a Mexican liability policy.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are all types of incidents that can show up on your driving record. Violations like this can classify you as a higher-risk driver. Because insurers look at your driving record when quoting coverage, they’ll likely charge you higher rates for coverage.

But you can still find affordable car insurance from plenty of insurers. Below, you’ll find the best options for drivers with blemishes on their driving records.

Find Car Insurance in Lubbock, TX

Rates start at $64 for drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurance companies view speeding as a risky behavior that increases the possibility of accidents, and they quote higher premiums to offset the higher likelihood of future claims. It’s not uncommon to get a speeding ticket in Lubbock. “Failure to control speed” is a top factor in car accidents, according to the Lubbock Police Department’s 2022 annual report.[2]

Lubbock drivers with a speeding ticket face an average monthly cost of $134 for liability-only coverage and $262 for full coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$55$67
Mile Auto$67$78
Allstate$76$93
Mercury$92$123
Progressive$96$115
USAA$97$119
Dairyland$116$141
Root$116$148
The General$118$154
Bristol West$118$146
AssuranceAmerica$121$141
Nationwide$122$150
Commonwealth Casualty$125$146
GEICO$125$157
Safeco$125$157
Clearcover$129$164
Direct Auto$139$171
National General$139$170
GAINSCO$141$166
Elephant$149$174
Chubb$165$202
Foremost$189$231
21st Century$191$239
Liberty Mutual$246$301
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

When you’re at fault in an accident, it suggests you’re more likely to engage in unsafe driving practices, putting you and others at risk on the roads. The higher risk often leads to higher insurance premiums. The circumstances of the accident determine how much your rate changes. For instance, a high-speed crash or fatal accident might result in higher premiums.

In Lubbock, drivers with at-fault accidents pay an average of $280 per month for full coverage and $143 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$55$70
Mile Auto$67$87
Allstate$76$97
Mercury$92$131
Progressive$96$123
USAA$97$124
Dairyland$116$150
Root$116$145
The General$118$159
Bristol West$118$152
AssuranceAmerica$121$145
Nationwide$122$157
Commonwealth Casualty$125$162
GEICO$125$152
Safeco$125$169
Clearcover$129$185
Direct Auto$139$185
National General$139$179
GAINSCO$141$177
Elephant$149$191
Chubb$165$211
Foremost$189$244
21st Century$191$248
Liberty Mutual$246$317
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI on your record can have significant financial consequences. In Lubbock, you’ll pay a fine of up to $2,000, spend up to 180 days in jail, and possibly lose your license for a year after your first offense.[3] You’ll also notice higher car insurance rates after driving under the influence, making it more expensive to maintain coverage.

The average monthly cost of car insurance with a DUI in Lubbock is $353 per month for full coverage and $180 for liability only. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$55$86
Mile Auto$67$105
Allstate$76$119
Mercury$92$140
Progressive$96$155
USAA$97$151
Dairyland$116$181
Root$116$181
The General$118$184
Bristol West$118$184
AssuranceAmerica$121$189
Nationwide$122$190
Commonwealth Casualty$125$195
GEICO$125$195
Safeco$125$207
Clearcover$129$201
Direct Auto$139$217
National General$139$217
GAINSCO$141$220
Elephant$149$233
Chubb$165$258
Foremost$189$295
21st Century$191$298
Liberty Mutual$246$384
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Car insurance premiums tend to become more affordable as drivers reach age 25. But once you hit age 70, you may see rates start to climb. Fatal accident rates increase for drivers 70 and older, according to the Insurance Institute for Highway Safety.[4] The increased risk translates to higher insurance prices, underscoring the importance of shopping around for coverage.

Senior drivers in Lubbock pay average liability rates of $95 per month and full-coverage rates of $186 per month. Below are average monthly car insurance quotes for seniors in the city.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$33$51
Mile Auto$43$89
Allstate$51$80
Mercury$65$108
USAA$66$103
Progressive$70$124
Nationwide$71$111
GEICO$79$110
AssuranceAmerica$80$174
Dairyland$81$222
The General$82$162
Bristol West$82$169
Root$83$151
Commonwealth Casualty$88$231
National General$88$154
Direct Auto$91$152
Chubb$93$145
Safeco$96$156
Clearcover$103$167
GAINSCO$107$217
Elephant$108$169
21st Century$121$189
Foremost$140$282
Liberty Mutual$169$220
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

It’s no secret that teen drivers pay higher car insurance rates than other drivers. Young drivers present a greater risk than other age groups due to a lack of experience behind the wheel and a higher probability of engaging in risky behavior when driving, especially when friends are in the car.[5]

On average, teen drivers in Lubbock pay $429 per month for full coverage and $219 per month for liability-only coverage.

But you aren’t doomed to pay sky-high insurance costs. A few strategies can help lower your rates, such as:

  • Staying on a parent’s insurance policy

  • Driving a safe car with advanced safety features

  • Maintaining good grades to qualify for a good student discount

Below are average insurance quotes for teens in the city.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
State Farm$109$168
Mile Auto$142$290
Allstate$154$244
Mercury$178$293
USAA$185$289
Progressive$188$331
Dairyland$201$547
Root$210$382
The General$212$418
Bristol West$219$454
Clearcover$228$372
GEICO$233$324
Commonwealth Casualty$238$629
Nationwide$245$384
AssuranceAmerica$250$542
Safeco$257$416
Elephant$267$419
GAINSCO$275$555
Direct Auto$282$473
National General$292$515
Chubb$357$559
21st Century$361$563
Foremost$367$740
Liberty Mutual$451$587
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Lubbock car insurance quotes by credit tier

Lubbock car insurance companies can factor in your credit history when giving you a quote. Drivers with poor credit pay more for car insurance than drivers with excellent or good credit.[6] Here’s what drivers pay for car insurance in Lubbock based on their credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Lubbock?

Car insurance rates can vary depending on a number of factors, including the ZIP code where you live. Insurance companies take into account the rate of car theft, frequency of accidents, and severity of weather conditions when determining insurance rates.

Unfortunately for Lubbock residents, car insurance is more expensive than the national average. It costs $166 per month, while the average U.S. driver pays a monthly premium of $143. But this is below the Texas average of $171 per month.

More cities in Texas

Lubbock isn’t the most expensive city for car insurance in Texas — Houston earns that title, with average rates much higher than Lubbock’s. You can find some of the cheapest premiums in El Paso, where drivers pay a bit less than in Lubbock.

City
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Liability Only
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Full Coverage
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Arlington$131$231
Austin$134$219
Dallas$138$257
El Paso$105$198
Fort Worth$124$223
Houston$177$292
Irving$131$238
Plano$127$221
San Antonio$129$229
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lubbock car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Lubbock.

  • How much is car insurance in Lubbock?

    Car insurance in Lubbock costs $166 per month, on average. Drivers pay an average of $219 per month for full-coverage insurance and $112 per month for liability coverage. Your unique rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.

  • Which companies have the cheapest car insurance in Lubbock?

    Lubbock drivers will find the cheapest rates with State Farm, which offers liability-only coverage as low as $55 per month. Mile Auto and Allstate are also good options for Lubbock motorists — they have liability rates as low as $67 and $76 per month, respectively.

  • What are the best car insurance companies in Lubbock?

    State Farm is the best car insurance company in Lubbock, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Lubbock choices include Progressive and Allstate.

  • How much does car insurance cost per month in Texas?

    Car insurance costs an average of $171 per month in Texas overall. Drivers pay $218 per month for full coverage and $124 for liability only, on average.

  • Can you avoid paying for car insurance in Texas?

    No. Drivers must carry and pay for car insurance in Texas to drive legally.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. Texas Department of Insurance. "Auto insurance guide."
  2. Lubbock Police. "2022 Annual Report."
  3. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
  4. Insurance Institute for Highway Safety. "Older drivers."
  5. National Highway Traffic Safety Administration. "Teen Safe Driving: How Teens Can Be Safer Drivers."
  6. Texas Department of Insurance. "Credit Scoring and Insurance."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

Amy Beardsley
Edited byAmy BeardsleyInsurance Writer
Photo of an Insurify author
Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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