The Cheapest Auto Insurance in Lubbock, TX, in 2024

Despite busy roads and heavy traffic, drivers in Lubbock, Texas, pay an average of $174 per month for car insurance, according to Compare.com data. But regardless of what you pay now, you can find cheaper coverage with the right company.

Here’s the good news — several top insurance companies offer affordable rates in the Lone Star State, with State Farm currently boasting the cheapest average premiums. This guide explores the cheapest car insurance companies in Lubbock for different types of drivers and strategies to save on your insurance costs.

Key Takeaways:

• State Farm is the cheapest auto insurance company in Lubbock, at $49 per month, on average.
• The average car insurance premiums in Lubbock are $110 per month for a liability policy and $237 for full coverage.
• Texas requires all drivers in Lubbock and beyond to have at least 30/60/25 in liability limits.

In This Article:

• Average Price for Car Insurance in Lubbock
• Cheapest Lubbock Car Insurance Companies
• Best Lubbock Car Insurance Companies of 2024
• Lubbock Rate Breakdowns by Driver and Coverage Type
• Texas Auto Insurance Requirements
• Frequently Asked Questions

How Much Is Car Insurance in Lubbock?

Lubbock drivers pay an average monthly cost of $174 for car insurance. But don’t put too much stock in average rates — insurance premiums vary widely based on your unique driving profile and coverage needs.

Why pay more for auto insurance than you have to? The following section highlights the cheapest car insurance companies in Lubbock.

Lubbock’s Cheapest Car Insurance Companies

Although the average Lubbock auto insurance rate is $174 per month, you can still save on your insurance premium by comparing quotes from the cheapest car insurance companies.

The table below lists the five cheapest auto insurers with the lowest average premiums for Lubbock drivers, according to our research.

State Farm offers the cheapest car insurance in Lubbock, with an average monthly premium of $49, according to Compare.com data.

Next, we’ll explore the cheapest companies across different demographics.

Top 3 Best Lubbock Insurance Companies of 2024

There’s no single best auto insurance company for all drivers because many unique factors determine which insurer is best for you. We analyzed dozens of companies to find a few of the best options in Lubbock based on a combination of average premiums, discounts, customer satisfaction, and available coverages.

Here are the top three best Lubbock car insurance companies to consider.

Best overall value: State Farm

• Average premium: $49 per month
• Compare.com Rating: 4.90 out of 5

Pros:

• Cheapest average rates
• Higher-than-average customer satisfaction ratings
• Plenty of available discounts

Cons:

• Doesn’t offer mechanical breakdown coverage
• Few senior discounts
• Higher-than-average number of consumer complaints

State Farm’s average rates are among the cheapest across several age groups, coverage levels, and driving records, according to our analysis. Though it doesn’t offer as many coverages as other insurers, it makes up for it in customer satisfaction — State Farm ranked second in Texas for customer satisfaction on J.D. Power’s 2023 Auto Insurance Study.

You can also bundle your car insurance with other insurance products, such as life insurance or renters insurance, for more savings.

Best for maximum coverage: Allstate

• Average premium: $86 per month
• Compare.com Rating: 4.93 out of 5

Pros:

• Wide range of coverages
• Higher-than-average claims satisfaction score
• Plenty of available discounts

Cons:

• Lower-than-average Texas customer satisfaction score
• Average full-coverage insurance premiums
• Slower-than-average claims process

Allstate is a great choice if you want maximum coverage to protect you and your vehicle. Its vehicle protection coverage combined with a full-coverage policy can provide bumper-to-bumper protection after your manufacturer warranty ends.

Allstate also offers rideshare insurance, coverage if you’re driving to Mexico, and a generous number of discounts to help keep rates affordable.

Best for basic coverage: GEICO

• Average premium: $42 per month
• Compare.com Rating: 4.65 out of 5

Pros:

• Affordable auto insurance rates
• Many discounts available
• Highly rated mobile app

Cons:

• Below-average customer satisfaction scores
• Few optional coverages available
• Higher-than-average number of consumer complaints

GEICO may be the right fit if you’re searching for basic, liability-only coverage. It provides the state-minimum coverage you need at a budget-friendly rate. GEICO also has multiple discounts, including for teens and seniors, that can help you save even more.

Although GEICO doesn’t have dedicated insurance agents like State Farm and Allstate, it makes up for it with a mobile app that provides a virtual assistant and allows you to file and track claims, get roadside assistance, and keep track of your vehicle maintenance and service checkups.

Cheapest Company for Liability Insurance: State Farm

Your coverage level is one factor that determines your insurance premiums. Liability-only coverage is the cheapest option that meets state-minimum requirements in Texas. Lubbock drivers pay an average of $110 per month for liability insurance. This only covers injuries and property damage you cause to others, not yourself or your vehicle.

Here are five of the cheapest car insurance companies for liability-only coverage.

State Farm is the cheapest company in Lubbock for liability-only insurance, at $38 per month, according to Compare.com data.

Let’s find out which insurer offers the cheapest full-coverage policy in Lubbock.

Cheapest Company for Full-Coverage Insurance: State Farm

Full-coverage insurance usually includes liability insurance, comprehensive coverage, and collision coverage. It’s more expensive because it provides physical damage coverage for your vehicle, regardless of fault. It’s a good idea if you want to avoid paying the total cost of fixing or replacing your car if you get into an accident.

Lubbock drivers pay an average of $237 per month for full coverage, but some insurers offer lower rates. The table below shows the cheapest full-coverage options in Lubbock, according to our research.

State Farm offers the cheapest full-coverage car insurance in Lubbock, averaging $61 per month, according to our analysis.

Compare Lubbock Auto Insurance Rates by Driving Record

Your driving record is another factor that affects your car insurance rates. Car insurance companies view drivers with tickets, accidents, and DUIs as riskier to insure. Drivers with clean records get the best rates, while high-risk drivers pay higher premiums.

The table below shows how your driving record can affect your insurance costs, the average Lubbock premium by driving record, and the cheapest insurer.

Let’s explore Lubbock’s cheapest car insurance companies for drivers with a speeding ticket, an at-fault accident, and a DUI.

Cheapest car insurance in Lubbock after a ticket: State Farm

If you get a speeding ticket on your record, your auto insurance costs will likely increase. A speeding ticket causes your auto insurance rates to go up by 26%, according to Compare.com data.

We found that State Farm offers the cheapest car insurance for Lubbock drivers with speeding tickets, with an average monthly premium of $85.

Cheapest car insurance in Lubbock after an accident: State Farm

If you cause an accident, expect an average rate increase of 34% at your next renewal, according to Compare.com data. If you get an accident on your record, insurance companies consider you to be at a greater risk for future accidents. Insurers manage that risk by charging you higher monthly premiums.

State Farm drivers with an accident on their record pay the cheapest rates, $90 per month on average, in Lubbock.

Cheapest car insurance in Lubbock after a DUI: State Farm

A DUI is one of the most severe violations you can receive. A first-time DUI conviction raises your insurance premiums by 50%, according to Compare.com data.

State Farm is the cheapest auto insurer in Lubbock for drivers with DUIs, with an average rate of $103 per month.

Compare Lubbock Auto Insurance Rates by Age

Your age is one rating factor you can’t control, yet it’s one of the most important attributes when it comes to car insurance. Generally, car insurance rates are higher when you’re younger but decrease as you age and gain experience behind the wheel. But your rate may increase a bit once you hit your 70s.

The following table also shows the cheapest insurer by age in Lubbock and the cheapest insurer’s average rate, according to our analysis.

Let’s take a look at rates for teens and seniors and the insurer offering the best premiums.

Cheapest car insurance for Lubbock teens: State Farm

Teens are by far the most expensive age group to insure. Per mile driven, teens are almost four times as likely to get into an accident as drivers 20 and older, according to the Insurance Institute for Highway Safety (IIHS). Lack of experience and increased crash chances explain why young drivers pay higher rates than other age groups.

State Farm offers the cheapest car insurance policy for teens in Lubbock, at $104 per month, according to our analysis.

Cheapest car insurance for Lubbock seniors: State Farm

Retirement comes with good news for Lubbock seniors — they have some of the cheapest premiums of all age groups. Seniors typically drive less, and more rarely at night, resulting in lower rates. But once you reach age 70, your chance of a fatal crash increases, according to the IIHS, along with your premiums.

Whether you’re approaching your 60s or 70s, State Farm is the cheapest car insurer for senior drivers in Lubbock — rates average $45 per month, based on our data.

Texas Auto Insurance Requirements

Texas requires all drivers to have certain minimum limits of liability insurance to drive legally. You must have at least 30/60/25 liability coverage, according to the Texas Department of Insurance. That breaks down to the following coverages:

• $30,000 of bodily injury liability coverage per person
• $60,000 of bodily injury liability coverage per accident
• $25,000 of property damage liability coverage per accident

Since you’re financially responsible for any injuries or damage you cause that exceeds your liability insurance, many insurance experts recommend buying enough liability coverage to protect your assets.

Texas insurers must also include personal injury protection (PIP) in your auto insurance policy. It covers your medical bills and lost wages if a car accident injures you — no matter who caused the accident. But you can waive PIP coverage in writing if you don’t want it.

How to Get Cheaper Car Insurance in Lubbock

Many factors go into calculating your car insurance rates, such as your age, marital status, driving record, and ZIP code. While you can’t control all the different factors, you can do some things to save on your auto insurance premiums in Lubbock, including:

• Bundle your policies: You can save up to 30% if you bundle your auto and home insurance policies with the same insurance company.
• Ask about discounts: Many insurers offer discounts, so ask your insurance agent about what you may qualify for to reduce your costs.
• Avoid traffic violations and accidents: Maintaining a clean driving record can help you get the best rates. Be sure to obey the speed limits, and don’t drive while intoxicated.
• Consider a telematics program: Usage-based insurance allows you to put your driving skills to the test and earn a discount for staying safe on the road.
• Shop around: The best way to know if you’re getting the lowest rate is to compare auto insurance quotes from multiple companies.

Lubbock Auto Insurance FAQs

We answered the most common questions about auto insurance in Lubbock, Texas, to help you find the best coverage.

Which company has the cheapest car insurance in Lubbock?

State Farm has the cheapest car insurance in Lubbock, at $49 per month, according to Compare.com data. But keep in mind that your actual rate will depend on a variety of factors, including your age, ZIP code, car, and driving record.

How much is car insurance in Lubbock?

The average cost of car insurance in Lubbock is $110 per month for liability-only coverage and $237 for full coverage, according to Compare.com data. But your rate could be lower or higher, depending on your unique profile.

How much car insurance does Texas require?

Texas drivers must have at least 30/60/25 liability insurance, which breaks down to $30,000 per person and $60,000 per accident for bodily injury and $25,000 for property damage. Insurers must include $2,500 in PIP coverage, but you can opt out of it.

What happens if you get caught driving without insurance in Lubbock?

Driving without insurance in Lubbock is a misdemeanor offense. If authorities catch you driving without insurance, you’ll receive a fine between $175 and $350. A subsequent conviction increases the fine up to $1,000.

What is the cheapest full-coverage car insurance in Texas?

State Farm has the cheapest full-coverage car insurance in Texas, averaging $64 per month, according to our data analysis.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources:

1. J.D. Power, “2023 U.S. Auto Insurance Study,” accessed June 10, 2024.
2. National Association of Insurance Commissioners, “NAIC Complaint Index,” accessed June 10, 2024.
3. J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed June 10, 2024.
4. National Association of Insurance Commissioners, “NAIC Complaint Index,” accessed June 10, 2024.
5. Insurance Institute for Highway Safety, “Older drivers,” accessed June 10, 2024.
6. Texas Department of Insurance, “Auto insurance guide,” accessed June 10, 2024.
7. FindLaw, “Texas Transportation Code – TRANSP § 601.191. Operation of Motor Vehicle in Violation of Motor Vehicle Liability Insurance Requirement;  Offense,” accessed June 10, 2024.