Cheapest Auto Insurance in Lubbock, Texas (2024)

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

Danny Smith
Written byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 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.

Featured in

media logo
Amy Beardsley
Edited byAmy Beardsley
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.

Featured in

media logomedia logo

Updated July 18, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Lubbock, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $61/mo for full coverage in Lubbock and other Texas cities.

*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

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

  • On average, drivers in Lubbock pay $234 per month for full coverage and $106 for liability only.

  • State Farm, GEICO, 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm9.3$65$37Cheap rates
Progressive8.4$172$98Drivers with an at-fault accident
Allstate8.9$92$53College students
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.
  • 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.3
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.
$34/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.
$60/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

  • Can’t buy a policy online

Read more driver reviews of State Farm
Maryann - July 18, 2024
Verified

I Hardly Drive and Never Get a Discount

They sign you up for a policy and then it's see ya later.

Don - July 18, 2024
Verified

Disappointed

After being with State Farm for 48 years, I am seriously considering moving all of my insurance elsewhere. Rates on our vehicles, all of which are accident-free, even with discounts, are 40 percent higher than other well-known companies. Our farm and ranch policy, which used to be a blanket policy, has been gutted. But the biggest difference is our agent. Our former agent, who is now retired, always had our best interest in mind. The new agents seem only to care about the company.

Karla - July 18, 2024
Verified

Overpriced Coverage Despite No Accidents or Tickets

I recommend checking around for better quotes and pricing on coverage.

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

Compare personalized, real-time quotes
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
8.4/10
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.
$90/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.
$158/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

Read more driver reviews of Progressive
Wanda - July 18, 2024
Verified

I don't have time for that.

I am not pleased with your insurance pricing.

William - July 18, 2024
Verified

Disappointed with Progressive

My car was vandalized. It took several calls to get roadside assistance, and it took two weeks to get to a Progressive-linked repair shop. Subsequently, Progressive decided not to renew my policy.

Michelle - July 18, 2024
Verified

Bill too expensive

Not to use

Best insurer for college students: Allstate

Compare personalized, real-time quotes
User Reviews
3.1
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.
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.
$49/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

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

Read more driver reviews of Allstate
George - July 18, 2024
Verified

Very Poor Treatment of Client

They cancelled my policy based on some hidden item. They never called me, but sent a letter 12 days after I had paid for the insurance. They still have not returned my money.

Richard - July 18, 2024
Verified

Allstate Rocks!

Allstate appears to be the best insurance provider at this time.

Philip - July 18, 2024
Verified

Communication

Allstate terminated my agent without any warning.

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 $34 for liability coverage

Secure. Free. Easy-to-use.
Based on 3,806+ 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 $106 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, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$34
GEICO$37
Allstate$49
Mile Auto$51
Hugo$53
USAA$61
Nationwide$76
Mercury$78
Safeco$79
Midvale Home & Auto$89
Progressive$90
Dairyland$96
Chubb$104
Clearcover$104
National General$110
21st Century$119
Elephant$120
Direct Auto$121
Commonwealth Casualty$125
Liberty Mutual$125
The General$128
Bristol West$138
GAINSCO$145
State Auto$159
AssuranceAmerica$161
Infinity$179
Hallmark$180
Foremost$202
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: 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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$60
GEICO$65
Allstate$85
Mile Auto$105
USAA$107
Clearcover$130
Mercury$130
Hugo$132
Nationwide$153
Progressive$158
Safeco$159
Midvale Home & Auto$164
Chubb$181
Elephant$203
21st Century$210
AssuranceAmerica$216
National General$238
Direct Auto$245
Dairyland$248
Liberty Mutual$255
The General$272
Bristol West$286
Infinity$288
State Auto$308
GAINSCO$319
Commonwealth Casualty$334
Foremost$423
Hallmark$425
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 recent rates near Lubbock, Texas

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $61/mo for full coverage in Lubbock and other Texas cities.

*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 18, 2024. 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]

CoverageMinimum Requirements
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 $42 for drivers with incidents on their records

Secure. Free. Easy-to-use.
Based on 3,806+ 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 $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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$34$44
GEICO$37$48
Allstate$49$63
Mile Auto$51$70
Hugo$53$72
USAA$61$79
Nationwide$76$99
Mercury$78$108
Safeco$79$104
Midvale Home & Auto$89$120
Progressive$90$117
Dairyland$96$125
Chubb$104$137
Clearcover$104$136
National General$110$142
21st Century$119$159
Elephant$120$171
Direct Auto$121$157
Commonwealth Casualty$125$178
Liberty Mutual$125$178
The General$128$168
Bristol West$138$178
GAINSCO$145$206
State Auto$159$223
AssuranceAmerica$161$213
Infinity$179$242
Hallmark$180$233
Foremost$202$287
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: 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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$34$47
GEICO$37$52
Allstate$49$68
Mile Auto$51$76
Hugo$53$71
USAA$61$85
Nationwide$76$106
Mercury$78$115
Safeco$79$107
Midvale Home & Auto$89$131
Progressive$90$127
Dairyland$96$133
Chubb$104$145
Clearcover$104$154
National General$110$154
21st Century$119$169
Elephant$120$163
Direct Auto$121$172
Commonwealth Casualty$125$171
Liberty Mutual$125$189
The General$128$181
Bristol West$138$189
GAINSCO$145$194
State Auto$159$241
AssuranceAmerica$161$223
Infinity$179$245
Hallmark$180$241
Foremost$202$305
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: 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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$34$58
GEICO$37$63
Allstate$49$84
Mile Auto$51$78
Hugo$53$80
USAA$61$104
Nationwide$76$130
Mercury$78$120
Safeco$79$135
Midvale Home & Auto$89$152
Progressive$90$154
Dairyland$96$164
Chubb$104$178
Clearcover$104$178
National General$110$188
21st Century$119$203
Elephant$120$205
Direct Auto$121$207
Commonwealth Casualty$125$213
Liberty Mutual$125$213
The General$128$219
Bristol West$138$236
GAINSCO$145$248
State Auto$159$272
AssuranceAmerica$161$275
Infinity$179$306
Hallmark$180$307
Foremost$202$345
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: 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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$18$32
GEICO$21$38
Hugo$28$70
Mile Auto$28$59
Allstate$29$50
USAA$36$63
Nationwide$38$76
Progressive$42$73
Mercury$44$73
Midvale Home & Auto$49$90
Safeco$50$100
Chubb$51$88
Dairyland$58$150
21st Century$63$112
Clearcover$64$80
National General$66$143
Direct Auto$70$141
Elephant$73$123
Liberty Mutual$74$151
Commonwealth Casualty$82$220
The General$82$173
Bristol West$83$172
State Auto$87$169
AssuranceAmerica$91$122
Infinity$100$160
GAINSCO$101$221
Hallmark$107$253
Foremost$118$246
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: 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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$57$101
GEICO$58$101
Allstate$85$148
Hugo$91$227
Mile Auto$98$202
USAA$100$176
Nationwide$129$259
Mercury$140$234
Midvale Home & Auto$152$280
Dairyland$158$409
Progressive$161$282
Safeco$162$326
Chubb$191$332
Elephant$196$331
21st Century$197$348
Clearcover$200$250
The General$204$434
National General$210$455
Commonwealth Casualty$218$584
Direct Auto$218$442
Liberty Mutual$227$464
Bristol West$232$481
GAINSCO$254$560
State Auto$279$541
AssuranceAmerica$296$397
Hallmark$315$744
Infinity$325$523
Foremost$355$743
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.

Shop for Car Insurance in Lubbock

Comparing rates can save you up to $852 annually

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $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.

CityLiability OnlyFull Coverage
Arlington$127$255
Austin$129$243
Dallas$135$284
El Paso$93$215
Fort Worth$121$245
Houston$170$324
Irving$132$270
Plano$125$244
San Antonio$123$245
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 $170 per month, on average. Drivers pay an average of $234 per month for full-coverage insurance and $106 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 $34 per month. GEICO and Allstate are also good options for Lubbock motorists — they have liability rates as low as $37 and $49 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 $185 per month in Texas overall. Drivers pay $250 per month for full coverage and $119 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 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.

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.

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.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all