In Lubbock, the average full coverage car insurance costs $130 per month. Rates can range from $123 to $408, depending on various factors. To help drivers better understand potential costs, the table below includes average car insurance rates for different driver profiles.
Lubbock, TX, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Lubbock: Key Takeaways
In Lubbock, Texas Farm Bureau and State Farm stand out as the most affordable car insurance providers, offering competitive rates for a variety of driver profiles.
Texas Farm Bureau offers the lowest monthly rates for car insurance in Texas, with $27 for minimum coverage and $60 for full coverage.
The average cost of car insurance in Texas is $59 per month for minimum coverage and $130 for full coverage, though these rates can vary based on the driver's profile.
Car Insurance Quotes in Lubbock, TX
| Young Drivers | $78 | $169 |
| Teens | No Data | $408 |
| Seniors | $60 | $124 |
| Drivers With a Speeding Ticket | $70 | $156 |
| Drivers With a DUI | $90 | $188 |
| Drivers With An Accident | $99 | $209 |
| Bad Credit | $104 | $235 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Lubbock vs. State Average
Texas
State Average Full Coverage Rate
$1,705
Lubbock, TX
City Average Full Coverage Rate
$1,564More:$141 saved
This is 8% less expensive.
What Is the Average Car Insurance Rate in Lubbock?
In Lubbock, the average cost for full coverage car insurance is $1,564 per year, while minimum coverage is $709 annually. These rates are lower than the Texas averages, which are $1,705 for full coverage and $816 for minimum coverage.
| State Average | $816 | $1,705 |
| Lubbock Average | $709 | $1,564 |
Cheapest Car Insurance Companies in Lubbock
Even though premiums are climbing in Texas, you can still find cheap car insurance in Lubbock. Texas Farm Bureau offers the most affordable minimum coverage at $27 per month. For full coverage, they also have the best rate, costing $60 monthly.
WHY CAR INSURANCE IN LUBBOCK IS CHEAP
Car insurance is cheaper in Lubbock than the state average. Other areas of Texas may be more expensive due to a mix of local factors like frequent accidents and severe weather conditions. Statewide, high rates of uninsured drivers and personal injury lawsuits add to the expense, making Texas one of the pricier states for car insurance.
Cheap Car Insurance in Lubbock
Texas Farm Bureau often offers the cheapest car insurance, but the most affordable option varies for each driver. To find the best rate, get quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $27 |
| Texas Farm Bureau | Full Coverage | $60 |
| State Farm | Teens | $187 |
| Texas Farm Bureau | Young Adults | $54 |
| Texas Farm Bureau | Seniors | $37 |
| Texas Farm Bureau | Bad Credit | $96 |
| Texas Farm Bureau | Drivers With a DUI | $90 |
| State Farm | Drivers With An Accident | $70 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $44 |
Car Insurance Rates in Lubbock by Company
To get the cheapest car insurance in Lubbock, compare rates from different companies. Below, we detail the most affordable options for minimum coverage and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Lubbock
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $27 per month. Mercury follows closely with a rate of $32 monthly. See the breakdown of the cheapest options in the table below.
| Texas Farm Bureau | $27 | $31 |
| Mercury | $32 | $27 |
| State Farm | $34 | $25 |
| Progressive | $45 | $13 |
| National General | $50 | $8 |
| AAA Texas | $54 | $5 |
| Allstate | $55 | $3 |
| GEICO | $56 | $3 |
Cheapest Car Insurance Companies for Full Coverage in Lubbock
Texas Farm Bureau offers the cheapest full coverage car insurance in Lubbock at $60 per month. Below is a list of all providers and their rates.
| AAA Texas | $112 | $18 |
| Allstate | $120 | $10 |
| GEICO | $108 | $22 |
| National General | $110 | $19 |
| Progressive | $113 | $16 |
| State Farm | $76 | $54 |
| Texas Farm Bureau | $60 | $70 |
Car Insurance Companies in Lubbock
To find the most affordable car insurance, consider quotes from several companies in the area. Texas Farm Bureau offers the cheapest option at $525 annually, while State Farm is the best affordable provider with a MoneyGeek score of 74. Check the table below for more options to consider.
| Chubb | 89 | $1,202 |
| Mercury | 74 | $976 |
| State Farm | 74 | $671 |
| Foremost | 73 | $1,538 |
| Texas Farm Bureau | 73 | $525 |
| AAA Texas | 72 | $991 |
| Progressive | 63 | $953 |
| GEICO | 63 | $981 |
| Nationwide | 63 | $1,351 |
| Allstate | 60 | $1,051 |
| National General | 50 | $964 |
| Dairyland | No Data | $2,436 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Lubbock by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,564 per year for 40-year-olds and $1,488 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,212 | $-777 |
| 17 | $3,095 | $-660 |
| 18 | $2,697 | $-262 |
| 19 | $2,271 | $164 |
| 20 | $2,376 | $59 |
| 21 | $1,760 | $676 |
| 22 | $1,766 | $669 |
| 23 | $1,832 | $603 |
| 24 | $1,716 | $719 |
| 25 | $2,034 | $-182 |
| 40 | $1,564 | $288 |
| 65 | $1,488 | $364 |
Cheapest Car Insurance for Teens in Lubbock
Nationwide offers the cheapest overall car insurance for teens in Lubbock at $123 per month, saving $112 compared to the average state cost. The table below highlights other affordable providers for teens in the area.
| Nationwide | $123 | $112 | $307 |
| State Farm | $140 | $95 | $187 |
| GEICO | $176 | $59 | $215 |
| Foremost | $242 | $-7 | $519 |
| Progressive | $288 | $-53 | $773 |
| Allstate | $441 | $-206 | $444 |
**Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.*
Best Car Insurance Rates for Young Drivers in Lubbock
Texas Farm Bureau offers the cheapest minimum coverage for young drivers in Lubbock at $35 per month. For full coverage, their rate is also the lowest at $74 per month. Check the table below to find out which providers offer the most affordable rates for different young driver profiles.
| Texas Farm Bureau | Minimum Coverage | $35 |
| Texas Farm Bureau | Full Coverage | $74 |
| Texas Farm Bureau | Bad Credit | $119 |
| Progressive | Drivers With a DUI | $111 |
| State Farm | Drivers With An Accident | $87 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $54 |
Cheapest Car Insurance Companies for Young Drivers in Lubbock
Texas Farm Bureau offers the most affordable auto insurance for young drivers at $54 per month. Explore more affordable auto insurance. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $54 | $68 |
| State Farm | $70 | $53 |
| GEICO | $95 | $28 |
| Progressive | $102 | $21 |
| National General | $104 | $18 |
| AAA Texas | $105 | $18 |
| Mercury | $111 | $12 |
| Allstate | $114 | $9 |
**Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.*
Best Car Insurance Rates for Seniors in Lubbock
Texas Farm Bureau and State Farm offer the most affordable car insurance rates in the city. Rates can vary based on factors like driving history and coverage needs. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| Texas Farm Bureau | Minimum Coverage | $24 |
| Texas Farm Bureau | Full Coverage | $50 |
| Texas Farm Bureau | Bad Credit | $80 |
| Texas Farm Bureau | Drivers With a DUI | $76 |
| Texas Farm Bureau | Drivers With An Accident | $64 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $37 |
Cheapest Car Insurance Companies for Seniors in Lubbock
Texas Farm Bureau offers the cheapest monthly premium for seniors at $37 for both minimum and full coverage. State Farm follows closely with a rate of $50 per month. The table below shows options of the top car insurance providers for seniors in Lubbock.
| Texas Farm Bureau | $37 | $55 |
| State Farm | $50 | $41 |
| Progressive | $80 | $11 |
| GEICO | $81 | $10 |
| AAA Texas | $83 | $9 |
| Mercury | $83 | $8 |
| Allstate | $83 | $8 |
| National General | $88 | $3 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Lubbock
In Lubbock, high-risk driver profiles generally pay less for car insurance than the state average. For minimum coverage, Lubbock drivers pay around $1,028 annually, compared to the state's $1,190. Full coverage costs $2,204 in Lubbock, while the state average is $2,417. Drivers with bad credit and DUIs pay the most, while accidents and speeding tickets have a smaller impact on rates.
| State Average | $1,190 | $2,417 |
| Lubbock Average | $1,028 | $2,204 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Lubbock, stay on your insurance record for about three years. For more serious offenses such as a DUI, insurers may consider them for up to five years, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Lubbock
Mercury offers the cheapest minimum coverage for drivers with a DUI at $539 per year. For the most affordable full coverage, Texas Farm Bureau charges $1,415 annually. Check out the table below to see more options for low-cost coverage.
| Texas Farm Bureau | $63 | $118 |
| National General | $63 | $132 |
| Progressive | $48 | $137 |
| State Farm | $66 | $138 |
| Mercury | $45 | $171 |
**Rates are for a 40-year-old driver with good credit and a DUI.*
Cheapest Auto Insurance Rates With an Accident in Lubbock
State Farm, Texas Farm Bureau, and Mercury are the three cheapest car insurance providers for drivers with an at-fault accident record in Lubbock. For more on cheapest auto insurance after an at-fault accident, see the table below. It shows different providers offering affordable coverage for drivers with an at-fault accident violation.
| State Farm | $43 | $94 |
| Texas Farm Bureau | $46 | $98 |
| GEICO | $76 | $150 |
| Progressive | $68 | $184 |
| Mercury | $67 | $252 |
**Rates are for a 40-year-old driver with good credit an at-fault accident.*
Cheapest Auto Insurance Rates With a Speeding Ticket in Lubbock
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $27 and full coverage at $60 monthly. Check the table below to see how other providers charge drivers with a speeding ticket.
| Texas Farm Bureau | $27 | $60 |
| State Farm | $34 | $76 |
| Allstate | $55 | $120 |
| Progressive | $53 | $149 |
| Mercury | $46 | $184 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Lubbock
Mercury offers the most affordable rates for drivers with bad credit in Lubbock for state minimum coverage at $45 monthly. For full coverage, National General leads at $197. See the table below for more affordable options.
| Texas Farm Bureau | $57 | $134 |
| Allstate | $82 | $182 |
| National General | $77 | $197 |
| Mercury | $45 | $199 |
| Progressive | $70 | $206 |
**Rates are for a 40-year-old driver with bad credit and no driving violations.*
Minimum Car Insurance Requirements in Lubbock, TX
In Texas, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
Texas drivers need to ensure they meet these minimums to avoid fines. For example, if you're in a minor accident, having this minimum coverage can help pay for damages up to these limits, protecting you from out-of-pocket expenses.
Cheap Car Insurance in Lubbock: Bottom Line
Texas Farm Bureau leads with the most affordable car insurance in Lubbock, at just $27 for minimum coverage and $60 for full coverage. No matter your age or credit, you'll find competitive rates to suit your wallet. Make sure your policy includes Texas's mandatory coverage: bodily injury liability, property damage liability, and personal injury protection. Compare providers to get the best value without skimping on the protection Texas law requires.
Lubbock Auto Insurance: FAQ
This FAQ section offers quick answers to common questions about finding affordable car insurance in Lubbock. Discover options for state minimum coverage and learn how to secure the cheapest rates available.
What is the cheapest car insurance company in Lubbock, Texas?
Texas Farm Bureau offers the cheapest car insurance in Lubbock, Texas, with a monthly rate of $27 for state minimum coverage, saving you $31.
What is the best car insurance company in Lubbock, Texas?
Dairyland is the top car insurance provider in Lubbock, Texas, despite not having a MoneyGeek score.
How much does car insurance cost on average in Lubbock?
In Lubbock, minimum coverage car insurance rates range from $59 to $103 per month.
Best Cheap Car Insurance in Lubbock: Our Methodology
MoneyGeek conducted an analysis of Lubbock auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Lubbock Driver Profile
To assess the best and most affordable auto insurance options for Lubbock residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Lubbock
In assessing the car insurance quotes for Lubbock, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Lubbock
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Lubbock.
For more details on the methodology used in this analysis, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.