Who Has the Cheapest Auto Insurance in Lubbock, Texas?
State Farm has the cheapest car insurance in Lubbock, Texas, at only $30 per month for minimum coverage, or $71 per month for full coverage.
Find Cheap Auto Insurance Quotes in Lubbock, TX
Best cheap car insurance companies in Lubbock, Texas
To help you find Lubbock's cheapest car insurance, ValuePenguin collected quotes from across the city from the largest car insurance companies in Texas. Minimum coverage rates are for policies that match the state's requirements: $30,000 in bodily injury liability per person and $60,000 per accident plus $25,000 in property damage coverage. Full coverage policies include more liability, comprehensive and collision coverage.
The best insurance companies in Lubbock are ranked based on customer satisfaction, affordability and price.
Cheapest car insurance in Lubbock: State Farm
State Farm has the cheapest full coverage rates in Lubbock, Texas, by a considerable margin.
The average price of $71 per month is 19% less than the second-cheapest option and half the average price of full coverage in Lubbock, $145 per month.
Find Cheap Auto Insurance Quotes in Lubbock, TX
Cheapest full coverage car insurance in Lubbock
Company | Monthly rate | |
|---|---|---|
| State Farm | $71 |
| Farm Bureau | $88 |
| Geico | $110 |
| Allstate | $241 |
| Progressive | $248 |
USAA is only available to current and former military members and their families.
Cheapest liability car insurance in Lubbock: State Farm
State Farm has the best rates in Lubbock for minimum coverage car insurance, averaging just $30 per month.
That's 37% cheaper than the Lubbock city average, $48 per month. Farm Bureau is a close second, charging $35 a month. We recommend getting quotes from both companies before you purchase a policy.
Find Cheap Auto Insurance Quotes in Lubbock, TX
Cheap auto insurance quotes in Lubbock, Texas
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $30 |
|
| Farm Bureau | $35 |
|
| Geico | $44 |
|
| Allstate | $69 |
|
| Progressive | $77 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers in Lubbock: Farm Bureau
Farm Bureau offers the cheapest car insurance rates for young drivers.
Farm Bureau's average price for minimum coverage for a teen driver is $67 per month, while its full coverage rate is $146 per month. Each of those is at least 60% cheaper than average in the city.
Monthly car insurance quotes in Lubbock for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $67 | $146 |
| State Farm | $104 | $213 |
| Geico | $98 | $233 |
| Allstate | $352 | $968 |
| Progressive | $351 | $1,167 |
Average minimum coverage rates for an 18-year-old in Lubbock are more than three times as much as rates for a 30-year-old.
Given these sky-high rates, young drivers should stay on their parents' insurance if they can. In addition, they can get their rates down with a good student discount or a telematics program.
Cheapest car insurance after a speeding ticket: State Farm
State Farm offers the lowest rates for Lubbock drivers after a speeding ticket, with an average of only $71 per month for full coverage. That's 56% less than the average rate in the city.
Cheapest car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $71 |
| Farm Bureau | $88 |
| Geico | $131 |
| Allstate | $241 |
| Progressive | $300 |
On average, a speeding ticket will raise your rates by 10% in Lubbock, which translates to paying $175 more per year.
Cheapest car insurance after an accident: State Farm
State Farm has Lubbock's cheapest car insurance for drivers after an at-fault accident. The company's average rate, $85 per month for full coverage, is 61% cheaper than average in the city and considerably cheaper than the second-cheapest option, Farm Bureau.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $85 |
| Farm Bureau | $139 |
| Geico | $172 |
| Progressive | $362 |
| Allstate | $369 |
Overall, average rates for Lubbock residents go up by 49% after an at-fault accident, an increase of $850 per year. Insurance companies view an at-fault accident as a sign of future risk and raise your rates to account for that risk.
Cheapest Lubbock car insurance after a DUI: State Farm
State Farm offers the lowest car insurance rates for Lubbock drivers with a DUI, with an average price of $117 per month for full coverage. That's a savings of $52 per month compared to the second-cheapest option, Farm Bureau, and $98 per month less than the average in the city.
Cheapest car insurance after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $117 |
| Farm Bureau | $169 |
| Geico | $190 |
| Progressive | $276 |
| Allstate | $367 |
Driving under the influence (DUI) in Lubbock increases average rates by $69 per month, or 48%. That indicates just how seriously companies take a DUI.
Cheapest car insurance for drivers with poor credit: Farm Bureau
Farm Bureau has the best rates in Lubbock, Texas, for drivers with bad credit. The company's average rate of $199 per month for full coverage is 35% cheaper than average.
Cheapest car insurance with poor credit
Company | Monthly rate |
|---|---|
| Farm Bureau | $199 |
| Geico | $291 |
| Allstate | $343 |
| State Farm | $370 |
| Progressive | $432 |
If you are able to get USAA, its rates are slightly cheaper than Farm Bureau's. However, you can only get a policy if you are a current or former military member or a close relative of a military service person.
Drivers in Lubbock with bad credit typically pay about 110% more than a driver with good credit for a full coverage policy. Your credit score doesn't say anything about your driving ability. However, insurance companies say drivers with poor credit tend to file more claims.
Cheapest car insurance for young drivers after a ticket: Farm Bureau
Farm Bureau also has the cheapest rates in Lubbock for a young driver with an issue on their driving record.
Minimum coverage from Farm Bureau after a speeding ticket is $67 per month for a teen driver, 62% less than average. After an at-fault accident, a teen driver pays $97 per month, which is 61% less than average.
Monthly minimum coverage quotes for young drivers in Lubbock
Company | Ticket rate | Accident rate |
|---|---|---|
| Farm Bureau | $67 | $97 |
| State Farm | $104 | $120 |
| Geico | $109 | $141 |
| Progressive | $350 | $379 |
| Allstate | $352 | $637 |
Cheapest car insurance for married drivers in Lubbock: Farm Bureau
Farm Bureau has the cheapest car insurance for married drivers in Lubbock, with an average rate of $67 per month for full coverage. That's a 24% discount compared to single drivers, the largest discount among large insurance companies in the city.
Company | Monthly rate |
|---|---|
| Farm Bureau | $67 |
| State Farm | $71 |
| Geico | $123 |
| Allstate | $206 |
| Progressive | $233 |
On average, married drivers in Lubbock pay 9% less than single drivers. Insurance companies believe married drivers get into accidents less frequently and therefore are less expensive to cover.
Best car insurance companies in Lubbock
USAA is the best-rated car insurance company in Lubbock because of a combination of good customer service, coverage options and low rates.
The company scored well on J.D. Power's customer service study and receives a low number of complaints compared to an average company its size. However, you can only get a USAA policy if you are a military service member, veteran or military family member.
Drivers who can't get USAA should look at Farm Bureau and State Farm, which both also have strong ratings.
Best insurance companies in Lubbock, TX
Company |
Editor's rating
|
|---|---|
| USAA | |
| Farm Bureau | |
| State Farm | |
| Geico | |
| Allstate |
You should look closely at the customer service reputation of companies as you shop for policies. Good customer service can resolve your claims more quickly, get your life back to normal with less hassle and even save money if you can get your car back sooner.
Average cost of car insurance in Lubbock, Texas, by ZIP code
Lubbock's cheapest ZIP code for car insurance is 79413, which includes Melonie Park, while 79402, a small area downtown, has the most expensive rates.
Insurance rates vary not just by city but by ZIP code, as well. If you live in an area where accident or crime rates are higher, you'll pay more than someone who lives in a ZIP code where accidents are few and crime is infrequent. The gap between the most and least expensive areas in Lubbock is $31 per month.
Full coverage quotes in Lubbock, TX, by ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 79401 | $148 | 2% |
| 79402 | $167 | 15% |
| 79403 | $148 | 2% |
| 79404 | $149 | 3% |
| 79406 | $143 | -2% |
What's the best car insurance coverage in Lubbock, TX?
Minimum coverage auto insurance, which costs less than $50 a month might in Lubbock, sound like a great deal. But, bear in mind that the coverage it provides is extremely limited. Minimum coverage doesn't protect your own car at all, so if you collide with another driver or have your car stolen, you're fully responsible for its repairs or replacement.
All drivers should strongly consider full coverage, especially drivers who have a car that's less than 10 years old or worth more than $5,000. Full coverage includes collision and comprehensive coverage.
- Comprehensive coverage: Protects your car from damage that doesn't result from a collision, such as damage from a wild animal, a storm or theft.
- Collision coverage: Pays for repairs to your car after a collision, no matter who is responsible for the accident.
Frequently asked questions
What's the cheapest car insurance company in Lubbock?
State Farm has the cheapest car insurance in Lubbock. Its average rates are $30 per month for minimum coverage and $71 per month for full coverage.
What's the best car insurance company in Lubbock?
Farm Bureau, State Farm and USAA are the best-rated car insurance companies in Lubbock. Each company boasts a good combination of customer service, low rates and an array of coverage options.
How much is car insurance in Lubbock?
The average cost of minimum coverage car insurance in Lubbock is $48 per month, while full coverage costs $145 per month, on average.
Methodology
VauePenguin gathered auto insurance quotes from the largest insurance companies in Texas. Unless otherwise noted, rates are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Minimum coverage policies include only the legally required limits in Texas, while full coverage rates have more liability coverage, plus comprehensive and collision.
Coverage type | Full coverage limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and are intended solely for comparative purposes. Your own quotes could differ, depending on your driving history, credit score and other factors unique to you.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.