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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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 drivers have to contend with more than busy roads. They must also make room in their budgets for an overall average monthly premium of $167 for Lubbock car insurance.
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.
Texas law requires drivers to carry 30/60/25 insurance coverage.
Drivers need an endorsement or Mexican liability coverage before crossing the border.
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Rates start as low as $105 for liability coverage
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Best 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 Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$36/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.
$58/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$89/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.
$154/mo
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
Very good service but too expensive
Dewey - February 2, 2023
Verified
I called with questions; the answers were complete and to the point.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$52/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.
$82/mo
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
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
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 $105 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 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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 $2,754 per year. 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 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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 coverage per accident, and $25,000 of property damage liability.
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
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$25,000
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.
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 coveragehelps 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.
TAIPA
Another notable program in Texas is the Texas Automobile Insurance Plan Association (TAIPA). TAIPA offers basic coverage if you can’t get a company to provide you with a standard car insurance policy. However, TAIPA only provides liability coverage, PIP, and uninsured/underinsured motorist coverage — not collision or comprehensive coverage.[2]
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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Cheapest car insurance for drivers with a speeding ticket
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.[3]
Lubbock drivers with a speeding ticket face an average monthly cost of $145 for liability-only 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 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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 average $245 per month for auto insurance overall. 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 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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.[4] You’ll also notice higher car insurance rates after driving under the influence, making it more expensive to maintain coverage.
The overall average monthly cost of car insurance with a DUI in Lubbock is $279. 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 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
Car insurance premiums tend to become more affordable around age 35. However, once you hit age 75, you may see rates start to climb. Fatal accident rates increase for drivers 70 and older, according to the Insurance Institute for Highway Safety.[5] The increased risk translates to higher insurance prices, underscoring the importance of shopping around for coverage.
Senior drivers in Lubbock can find liability rates as low as $24 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 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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.[6]
But you aren’t doomed to pay sky-high insurance costs. A few strategies can help lower your rates, such as:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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. However, 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.
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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Lubbock car insurance quotes by credit tier
Lubbock car insurance companies can factor in your credit score when giving you a quote. Drivers with poor credit scores pay more for car insurance than drivers with excellent or good credit.[7] Here’s what you can expect to pay for car insurance in Lubbock based on your credit score.
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 $167 per month, while the average U.S. driver pays a monthly premium of $139.
More cities in Texas
Lubbock isn’t the most expensive city for car insurance in Texas — Houston earns that title, with average rates about 16% higher than Lubbock. You can find some of the cheapest premiums in Austin, where drivers pay about 14% less on average.
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.
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 $167 per month, on average. Drivers pay an average of $230 per month for full-coverage insurance and $105 per month for liability coverage. Your unique rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
What company has the cheapest car insurance in Lubbock?
Lubbock drivers will find the cheapest rates with State Farm, which offers liability-only coverage as low as $36 per month. GEICO and Mile Auto are also good options for Lubbock motorists — they have liability rates as low as $39 and $47, 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 4.4 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 $175 per month in Texas overall.
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 50+ 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.
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
State Farm
Progressive
Allstate
