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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Despite busy roads and heavy traffic, drivers in Lubbock, Texas, pay an average of $163 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.
State Farm is the cheapest auto insurance company in Lubbock, at $36 per month, on average.
The average car insurance premiums in Lubbock are $109 per month for a liability policy and $217 for full coverage.
Texas requires all drivers in Lubbock and beyond to have at least 30/60/25 in liability limits.
Location ▲▼ | Average Monthly Premium: Liability Insurance ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Lubbock | $109 | $217 | $163 |
| Texas | $122 | $233 | $177 |
| National average | $107 | $197 | $152 |
Lubbock drivers pay an average monthly cost of $163 for car insurance, according to our research. That breaks down to $109 per month for a basic liability policy and $217 for a more robust full-coverage plan. For reference, the average Texan pays $177 for coverage, and the national average for all drivers is $152.
Still, 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.
Compare personalized quotes from Lubbock’s top insurers.
Although the average Lubbock auto insurance rate is relatively high, you can still save on your insurance premium by comparing quotes from the cheapest car insurance companies.
The table below lists the cheapest auto insurers with the lowest average premiums for Lubbock drivers, according to our research.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $36 |
| GEICO | $39 |
| Allstate | $50 |
| Mile Auto | $55 |
| USAA | $64 |
| Nationwide | $80 |
| Mercury | $82 |
| Root | $82 |
| Progressive | $100 |
| Safeco | $103 |
| Dairyland | $104 |
| Chubb | $108 |
| Clearcover | $118 |
| National General | $118 |
| Direct Auto | $121 |
| The General | $122 |
| 21st Century | $125 |
| Bristol West | $125 |
| AssuranceAmerica | $127 |
| Commonwealth Casualty | $128 |
| Elephant | $139 |
| GAINSCO | $155 |
| Liberty Mutual | $199 |
| Foremost | $207 |
| State Auto | $239 |
State Farm offers the cheapest car insurance in Lubbock, with an average monthly premium of $36, according to Compare.com data.
Next, we’ll explore the cheapest companies across different demographics.
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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, based on our research.
Average premium: $49 per month
Compare.com Rating: 4.90 out of 5
Cheapest average rates
Higher-than-average customer satisfaction ratings
Plenty of available discounts
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 third in Texas for customer satisfaction on J.D. Power’s 2024 Auto Insurance Study.
You can also bundle your car insurance with other insurance products, such as life insurance or renters insurance, for more savings.
Average premium: $86 per month
Compare.com Rating: 4.93 out of 5
Wide range of coverages
Higher-than-average claims satisfaction score
Plenty of available discounts
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.
Average premium: $42 per month
Compare.com Rating: 4.65 out of 5
Affordable auto insurance rates
Many discounts available
Highly rated mobile app
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.
Compare personalized quotes from Lubbock’s cheapest companies.
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 $109 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.
While these rates are among the cheapest you’ll find in the area, most experts recommend purchasing additional protection for your vehicle.
With that in mind, let’s find out which insurer offers the cheapest full-coverage policy in Lubbock.
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 $217 per month for full coverage, but some insurers offer lower rates. The chart below shows the cheapest full-coverage options in Lubbock, according to our research.
While these five companies are a great starting point if you’re looking for affordable coverage, keep in mind that your personal rates could be different depending on your unique driver and insurance profiles.
So let’s dive a little deeper and take a look at how rates differ in Lubbock by age and driving record.
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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.
Driving Record ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $163 | State Farm | $36 |
| Speeding ticket | $223 | State Farm | $46 |
| At-fault accident | $233 | State Farm | $48 |
| DUI | $266 | State Farm | $59 |
Let’s explore Lubbock’s cheapest car insurance companies for drivers with a speeding ticket, an at-fault accident, and a DUI.
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 29%, 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 $46.
If you cause an accident, expect an average rate increase of 33% 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, $48 per month on average, in Lubbock.
A DUI is one of the most severe violations you can receive. A first-time DUI conviction raises your insurance premiums by 61%, according to Compare.com data.
State Farm is the cheapest auto insurer in Lubbock for drivers with DUIs, with an average rate of $59 per month.
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.
Age Group ▲▼ | Citywide Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $310 | State Farm | $67 |
| 40s | $148 | State Farm | $33 |
| 60s | $128 | State Farm | $27 |
Let’s take a look at rates for teens and seniors and the insurer offering the best premiums.
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 $67 per month, according to our analysis.
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.
State Farm is the cheapest car insurer for senior drivers in Lubbock — rates average $27 per month, based on our data.
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.
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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.
Compare personalized quotes from the cheapest insurers in Lubbock.
We answered the most common questions about auto insurance in Lubbock, Texas, to help you find the best coverage.
State Farm has the cheapest car insurance in Lubbock, at $36 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.
The average cost of car insurance in Lubbock is $109 per month for liability-only coverage and $217 for full coverage, according to Compare.com data. But your rate could be lower or higher, depending on your unique profile.
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.
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.
State Farm has the cheapest full-coverage car insurance in Texas, averaging $71 per month, according to our data analysis.
Texas Department of Insurance, “Auto insurance guide,” accessed December 19, 2024.
FindLaw, “Texas Transportation Code - TRANSP § 601.191. Operation of Motor Vehicle in Violation of Motor Vehicle Liability Insurance Requirement; Offense,” accessed December 19, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed December 19, 2024.
J.D. Power, “2024 U.S. Auto Claims Satisfaction Study,” accessed June 10, 2024.
National Association of Insurance Commissioners, “NAIC Complaint Index,” accessed December 19, 2024.
National Association of Insurance Commissioners, “NAIC Complaint Index,” accessed December 19, 2024.
Insurance Institute for Highway Safety, “Older drivers,” accessed December 19, 2024.
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.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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