Car Insurance in Lubbock

State Farm dominates Lubbock's insurance market with minimum coverage at $484 per year, sitting 44% lower than the city average of $820. For full coverage, State Farm charges $1,120 annually, maintaining its competitive advantage.

GEICO offers competitive rates at $650 for minimum coverage and $1,335 for full coverage. Progressive delivers another option worth considering for specific driver profiles.

Lubbock's concentrated market around State Farm and GEICO means comparing these two insurers typically secures the best available rate. Texas's competitive insurance market generally rewards comparison shopping, though State Farm's consistent low rates in Lubbock make it the logical starting point.

State Farm controls Lubbock's age based pricing across all demographics. Adults with clean records pay $484 annually, while young drivers face $1,094. That's a 126% premium increase driven by limited experience and higher accident rates among younger drivers. Seniors enjoy moderate pricing at $563, about 16% above adult rates.

State Farm's dominance across age groups simplifies family insurance planning in Lubbock. However, Texas's competitive market means rates can shift. Annual comparison shopping remains worthwhile as drivers age into different categories or when adding teen drivers to family policies.

Young drivers in Lubbock can find the lowest car insurance rates with State Farm and GEICO, offering average annual premiums of $1,094 and $1,135. Both companies combine affordability with dependable coverage and digital convenience. Because drivers under 25 typically pay more due to limited experience, maintaining a clean driving record and applying for good student or safe driver discounts can help lower costs.

For adults aged 26 to 64, State Farm offers the cheapest car insurance in Lubbock, with rates about 44 % lower than the city average. GEICO and AAA also provide affordable policies for experienced drivers. Adults can often unlock additional savings through policy bundles or usage-based programs that track safe driving habits.

Seniors in Lubbock get the best value from State Farm, which charges around $47 per month ($563 annually) for minimum coverage and $104 per month ($1,252 annually) for full coverage. These rates make it easy for retirees to maintain financial protection without overspending. Seniors who drive fewer miles or complete defensive driving courses can save even more on premiums.

High-risk drivers in Lubbock — including those with poor credit or past violations — can still find competitive rates from State Farm and GEICO. While premiums are higher after an incident, maintaining continuous coverage and practicing safe driving can gradually reduce costs.

• Cheapest for Bad Credit: GEICO (from $78 per month)
• Cheapest With a DUI: State Farm (from $65 per month)
• Cheapest With an Accident: State Farm (from $48 per month)
• Cheapest With a Speeding Ticket: State Farm (from $40 per month)

Drivers in Lubbock with bad credit can find affordable coverage with GEICO, offering rates from $78 per month for minimum coverage and $185 per month for full coverage. These policies include either state minimum liability or 100/300/100 coverage with a $1,000 deductible. Improving credit and making consistent on-time payments can help lower future premiums.

For drivers with a DUI, State Farm provides the lowest car insurance rates in Lubbock. Its premiums are about 42 % below average for minimum coverage and 41 % lower for full coverage. Completing required DUI programs and maintaining a clean record afterward can help reduce long-term insurance costs.

State Farm offers the cheapest car insurance in Lubbock for drivers with an at-fault accident, with rates starting at $48 per month, roughly 53 % lower than the city average. Keeping a clean record and avoiding new violations can help drivers return to standard pricing sooner.

Lubbock drivers with a speeding ticket can save the most with State Farm, which charges about $40 per month for minimum coverage and $93 per month for full coverage. Safe driving for one to three years can help lower rates during policy renewals.

State Farm leads Lubbock's insurance landscape with a MoneyGeek score of 94.88, combining the market's lowest rates with strong customer service and extensive agent network. GEICO scores 90.35, offering competitive pricing with efficient digital tools and streamlined claims processing.

Both insurers maintain excellent financial stability ratings and reasonable complaint ratios with the Texas Department of Insurance. State Farm excels for drivers preferring local agent relationships and bundling opportunities.

GEICO appeals to those comfortable managing policies entirely online. Lubbock's market concentration around these two insurers simplifies comparison shopping while ensuring competitive rates.

Lubbock drivers pay an average of $820 per year for minimum coverage and $1,877 for full coverage. These rates align closely with Texas state averages, making Lubbock typical for the state's insurance market.

State Farm undercuts the city average significantly at $484 for minimum coverage, demonstrating how the right insurer choice substantially reduces annual costs. Texas's minimum coverage requirements of 30/60/25 create higher baseline costs than many states.

Lubbock's moderate costs compared to major Texas cities like Houston or Dallas reflect lower traffic density and accident rates. Residents who maintain clean records and compare quotes access competitive rates well below city averages.

In Lubbock, car insurance rates by ZIP code range from $63 to $182 per month. ZIP code 79416 is the most expensive, while 79407 is the cheapest. Check the average rates for your ZIP code on the table below.

Lubbock drivers face some of Texas's highest car insurance rates, and sorting through coverage options can feel overwhelming. Follow this step-by-step guide to find affordable coverage that fits your needs and budget.

Car insurance rates in Lubbock depend on your driving record, credit score and coverage needs. State Farm and GEICO offer the lowest average premiums in the city, but compare quotes from multiple insurers to find your best rate.

Find straightforward answers about cheap car insurance in Lubbock. We'll help you choose affordable coverage that fits your needs and budget without sacrificing protection.

To help Lubbock drivers find the most affordable auto insurance companies, MoneyGeek analyzed Lubbock auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Lubbock and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.

Lubbock Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Lubbock with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Lubbock

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in Texas are:

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

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies in Lubbock based on the following rating scale:

• Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
• Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
• Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.