The average car insurance policy in Lubbock costs $1,787 per year, which is $31 cheaper than the statewide average cost of car insurance in Texas. Premiums in the Lone Star state are slightly higher than the national average for several reasons, including the population density and a high number of accidents. But luckily, many insurance carriers in Lubbock offer average insurance rates that are below the state’s average.
If you’re ready to shop for car insurance, Policygenius can help. We can help you compare quotes from the top insurers in Lubbock, and our insurance experts can answer all of your insurance questions.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Lubbock, TX
When setting car insurance rates, companies consider many factors, including your location, age, driving history, and more. And while all companies rely on the same basic factors, they each use their own formulas to set their rates. As a result, one driver can get very different quotes from one carrier to the next. As you can see below, Texas Farm Bureau has the cheapest insurance rates in Lubbock, followed by State Farm.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $88/month | 882 |
Farm Bureau | $91/month | -- |
Redpoint County Mutual | $110/month | -- |
Germania Insurance | $118/month | -- |
GEICO | $122/month | 874 |
Cheapest car insurance rates by ZIP code in Lubbock, TX
The ZIP code where you live can play an important role in your car insurance rates. Certain ZIP codes may have more uninsured drivers, higher crime rates, or more accidents that cause insurance companies to consider them higher-risk. As a result, customers in those ZIP codes are likely to pay higher premiums. On the other hand, customers in ZIP codes that insurers deem to be safer will likely pay lower insurance rates. Below is a breakdown of the average insurance cost in each Lubbock ZIP code.
ZIP code | Average cost |
|---|---|
79424 | $1,708 |
79413 | $1,725 |
79407 | $1,726 |
79423 | $1,732 |
79416 | $1,733 |
79410 | $1,737 |
79414 | $1,740 |
79409 | $1,780 |
79406 | $1,798 |
79415 | $1,799 |
Choosing the right car insurance company in Lubbock, TX
With so many insurance companies to choose from, it can be difficult to find the right one for you. Shopping around for insurance is even more important in Texas, where insurances tend to be above the national average. Policygenius can help you get insurance quotes and find the most affordable insurance plan with the best coverage.
Car insurance rates for drivers with driving violations in Lubbock, TX
Your driving history is one of the most important factors that insurance companies consider when setting your insurance rates. Having a driving violation such as a car accident or a speeding ticket on your record can significantly increase your rates. And as you can see in the chart below, certain offenses will increase your premiums more than others. The good news is that these violations only remain on your driving record for a certain number of years. And once they fall off, you are likely to see your rate go back down.
Violation | State Farm | Farm Bureau | Redpoint County Mutual | Germania Insurance | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,272 | $1,852 | $1,324 | $1,921 | $2,234 |
Suspended license | $1,489 | $1,183 | $1,324 | $2,560 | $2,451 |
Open container | $1,618 | $2,278 | $1,324 | $1,511 | $2,451 |
Expired registration | $1,076 | $1,183 | $1,324 | $1,511 | $1,731 |
Driving without lights | $1,076 | $1,183 | $1,324 | $1,511 | $1,731 |
Running a red light | $1,076 | $1,183 | $1,324 | $1,511 | $1,731 |
Following too closely | $1,076 | $1,183 | $1,324 | $1,511 | $1,731 |
Hit and run | $1,706 | $1,183 | $1,324 | $3,198 | $2,451 |
Not-at-fault accident | $1,076 | $1,183 | $1,324 | $1,572 | $1,454 |
Passing a school bus | $1,076 | $1,183 | $1,324 | $1,511 | $1,731 |
Reckless driving | $1,706 | $1,183 | $1,324 | $3,198 | $2,451 |
Cheapest car insurance for drivers with a DUI in Lubbock, TX
Company | Rates for drivers with DUIs |
|---|---|
Redpoint County Mutual | $1,324 |
State Farm | $1,706 |
Farm Bureau | $2,278 |
GEICO | $2,451 |
Germania Insurance | $3,198 |
Cheapest car insurance for drivers with a speeding ticket in Lubbock, TX
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,076 |
Farm Bureau | $1,183 |
Redpoint County Mutual | $1,324 |
Germania Insurance | $1,511 |
GEICO | $2,451 |
Cheapest car insurance for drivers with bad credit in Lubbock, TX
Depending on where you live, your credit score can be an important factor in determining your insurance rates. Insurance companies generally consider drivers with poor credit to be higher-risk, and therefore they charge them higher insurance rates. Unfortunately, Texas is one of those states where insurance companies can consider a driver’s credit score when setting their insurance rates. But certain information is off-limits, including medical bills sent to collections and credit checks related to insurance coverage.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,324 |
Nationwide | $2,698 |
Auto Club | $2,723 |
Farm Bureau | $2,724 |
Germania Insurance | $2,779 |
Buying car insurance in Lubbock, TX
Like most states, Texas requires drivers to carry a minimum amount of car insurance. Drivers in the state must carry the following liability insurance coverages:
Bodily injury liability coverage of at least $30,000 per person and $60,000 per accident
Property damage liability coverage of at least $25,000
Texas is not a no-fault insurance state. As a result, whichever driver is found to be at fault in an accident is financially responsible for any damages to both people and property. The liability coverage the state requires is designed to cover a driver’s liabilities in case they cause an accident.
Drivers who are caught without insurance coverage can be subject to a fine between $175 and $350 for their first offense. And for second and subsequent offenses, you could have your vehicle impounded for up to 180 days and be responsible for the impoundment fees. Additionally, you’ll have to prove that you have insurance before getting your car back.
In addition to liability insurance, Texas requires all insurance companies to provide uninsured and underinsured motorist coverage. These coverages are automatically included in all policies, but you don’t have to accept them. You can tell your insurance company in writing that you want this coverage removed from your policy.
How to get cheap car insurance in Lubbock, TX
Since Texas drivers pay higher insurance rates than much of the country, you may be looking for strategies to help lower your rate. Here are some ways to help you get cheap car insurance in Lubbock:
Shop around for quotes: Policygenius can help you get quotes from the top providers in Lubbock to ensure you’re getting the best coverage at the best rate.
Drive safely: As we mentioned, having violations on your driving record will increase your insurance rates. Driving safely and keeping a clean driving record can ensure you get the best rate available.
Raise your deductible: As your deductible increases, your premium usually decreases. Increasing your policy deductible is one of the quickest ways to save.
Look for discounts: Insurance companies offer discounts to help you save on car insurance. Common discounts are for bundled policies, vehicle safety features, and more.
Frequently asked questions
Who has the cheapest car insurance in Lubbock?
State Farm has the cheapest car insurance in Lubbock. On average, State Farm offers car insurance to drivers in Lubbock for $1,061 per year.
How much does car insurance cost in Lubbock?
The average car insurance rate in Lubbock is $1,787 per year, less than the average car insurance rate in Texas, which is $1,818.
What factors affect my car insurance rate?
Factors that affect your car insurance rates include your age, gender, location, coverage amount, driving history, credit score, driving frequency, and more.
Is car insurance required in Lubbock, Texas?
Yes, drivers in Lubbock must carry at least $30,000 per person and $60,000 per accident of bodily insurance liability coverage at $25,000 of property damage liability coverage.
