Cheapest Auto Insurance in Lubbock, Texas (2024)

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 $170 for car insurance, which is just below the overall Texas average of $185 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.

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.

Best insurer for cheap rates: State Farm

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

Best insurer for college students: Allstate

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.

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Monthly rates start as low as $34 for liability coverage

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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 $106 for liability-only car insurance. Here are some of the best quotes for liability coverage in Lubbock.

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 $234 per month. Below are some of the cheapest options for full-coverage auto insurance in Lubbock.

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]

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:

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  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.

• 

  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.

• 

  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.

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Rates start at $42 for drivers with incidents on their records

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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 $151 for liability-only coverage and $333 for full coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.

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 $358 per month for full coverage and $162 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.

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 $405 per month for full coverage and $183 for liability only. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.

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 $77 per month and full-coverage rates of $170 per month. Below are average monthly car insurance quotes for seniors in the city.

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 $411 per month for full coverage and $186 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.

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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.

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 $170 per month, while the average U.S. driver pays a monthly premium of $160. But this is below the Texas average of $185 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.

Lubbock car insurance FAQs