120+ more*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on April 15, 2026. 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 April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in Lubbock pay an average cost of $101 per month for liability insurance and $207 per month for full coverage. Lubbock is the 10th-largest city in Texas, but it’s not as dense as cities like Houston or Dallas. That helps keep the city’s car insurance rates affordable.
State Farm is the cheapest option for liability-only coverage in Texas, with rates starting at $49 per month. Lubbock’s rates are slightly cheaper than the overall Texas average of $116 per month.
Texas requires drivers to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage. You also need $25,000 of property damage liability coverage.[1]
Lubbock drivers may want to consider full-coverage car insurance due to the area’s dust storms.[2] Full coverage costs more but typically includes coverage for weather damage. Full-coverage rates average $215 per month in Texas.
The following table shows the cheapest liability-only and full-coverage rates in Lubbock, according to Insurify data.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $49 | $101 |
| Allstate | $70 | $142 |
| Mile Auto | $71 | $157 |
| Progressive | $75 | $143 |
| GEICO | $80 | $176 |
| USAA | $89 | $179 |
| Mercury | $99 | $164 |
| First Acceptance | $104 | $260 |
| The General | $105 | $244 |
| Alinsco | $108 | $217 |
| Freedom National | $110 | $297 |
| Lone Star | $110 | $270 |
| Nationwide | $111 | $225 |
| Dairyland | $113 | $285 |
| Commonwealth Casualty | $114 | $262 |
| GAINSCO | $117 | $232 |
| Clearcover | $118 | $211 |
| Root | $118 | $201 |
| Bristol West | $119 | $235 |
| Mendota | $120 | $245 |
| Covercube | $121 | $292 |
| AssuranceAmerica | $126 | $252 |
| Direct Auto | $133 | $217 |
| Safeco | $133 | $203 |
| Sun Coast | $133 | $267 |
| National General | $135 | $232 |
| Loop | $139 | $265 |
| Elephant | $141 | $224 |
| Chubb | $150 | $304 |
| Trexis One | $152 | $323 |
| 21st Century | $174 | $351 |
| Liberty Mutual | $214 | $320 |
Car insurance rates vary depending on where you live in Texas. Houston has some of the most expensive premiums, while Big Spring and Abilene have the cheapest. Lubbock’s average rates are typically higher than in Abilene but significantly lower than in Houston.
The following table shows the average monthly rates for different Texas cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Abilene | $131 |
| Amarillo | $158 |
| Arlington | $171 |
| Austin | $170 |
| Beaumont | $180 |
| Brownsville | $165 |
| Corpus Christi | $171 |
| Dallas | $187 |
| Denton | $161 |
| El Paso | $144 |
| Fort Worth | $164 |
| Galveston | $168 |
| Garland | $187 |
| Grand Prairie | $177 |
| Houston | $222 |
| Huntsville | $156 |
| Irving | $176 |
| Killeen | $151 |
| Laredo | $159 |
| Lubbock | $154 |
| McAllen | $175 |
| Mesquite | $187 |
| Midland | $152 |
| Odessa | $166 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $164 |
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Lubbock drivers should be prepared for rapidly changing weather and road conditions. The city is located in the South Plains, where wind and dust storms can quickly reduce visibility — especially on highways outside the city. Blowing dust and high winds are common hazards and can make travel dangerous.
You’ll usually encounter less traffic in Lubbock because it’s more spread out than other major metro areas. That said, areas near Texas Tech University can become crowded during the school year, particularly on game days. Parking in the city also tends to be easier, but it’s still a good idea to watch for street parking restrictions and pedestrian traffic near campus.
Lubbock has a relatively high percentage of drivers with a speeding ticket — 4%, which is higher than in Dallas, Fort Worth, and Houston. But an average number of drivers have an accident on their record.
Texas is an at-fault state, so the driver who caused the accident must pay for any repairs and medical bills. The following table shows the average monthly rates for different types of driving records in Lubbock, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $154 |
| Speeding ticket | $192 |
| At-fault accident | $204 |
| DUI | $211 |
In Texas, teen drivers can get a provisional license at age 16 after having a permit for at least six months. The state also requires teens to complete 14 hours of driving instruction and 30 hours of practice behind the wheel.[3]
Your age has a significant effect on your car insurance costs. Teen drivers pay some of the highest rates, while senior drivers usually pay the lowest. The following table shows cheap car insurance options for Lubbock drivers by age, according to Insurify data.
Age | Average Monthly Quote |
|---|---|
| Teens | $205 |
| 20s | $139 |
| 30s | $112 |
| 40s | $106 |
| 50s | $97 |
| 60s | $88 |
| 70+ | $92 |
*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on April 15, 2026. 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 April 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Finding the right car insurance can be difficult. Below, we answered some common questions from Lubbock drivers about auto coverage in the city.
Car insurance in Lubbock costs an average of $154 per month. Liability coverage averages $101 per month, and full coverage averages $207 per month. That said, your exact rate will vary based on factors like your ZIP code, driving history, and age.
State Farm has the cheapest car insurance in Lubbock, with rates starting at $49 per month. That said, you should compare rates from multiple insurers to find the cheapest coverage for you.
Typically, no. Car insurance in Lubbock costs an average of $154 per month, which is usually lower than the state average. Lubbock has relatively affordable rates for a midsize metropolitan area.
Many factors influence car insurance rates in Lubbock, including your ZIP code, age, and the car you drive. Local weather risks, theft rates, and accident rates also affect how much you pay for auto coverage.
You have a few ways to lower your car insurance rates in Lubbock. Comparing rates from multiple insurers is one of the easiest ways to find the best price for your coverage. You can also ask your insurer what discounts it offers. Many companies offer savings for maintaining a clean driving record and bundling auto and homeowners insurance.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Featured in
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.