Updated: December 19, 2025
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State Farm: Cheapest across most driver profiles. At $40 monthly for minimum coverage and $93 for full coverage, State Farm saves drivers 44% compared to Lubbock's average.
GEICO: Second cheapest at $54 monthly minimum and $111 full coverage. It's affordable for young drivers, seniors and drivers with speeding tickets.
AAA: Third cheapest at $61 monthly minimum and $128 full coverage, with rates 20% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Lubbock:
State Farm offers the cheapest minimum coverage at $40 monthly, while GEICO is the second cheapest at $54. For full coverage, State Farm stays the cheapest at $93 monthly, with GEICO second at $111. Both save you over 30% compared to Lubbock's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $40 | $93 | -44% |
| Geico | $54 | $111 | -30% |
| Mercury Insurance | $61 | $141 | -15% |
| AAA | $61 | $128 | -20% |
| Germania Insurance | $70 | $143 | -10% |
Not in Lubbock? Read more about the cheapest car insurance or the best provider in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. GEICO offers the cheapest full coverage at $200 monthly. State Farm charges $208, and Germania Insurance costs $272.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| Geico | $200 | $2,402 | -45% |
| State Farm | $208 | $2,494 | -43% |
| Germania Insurance | $272 | $3,264 | -25% |
| AAA | $289 | $3,463 | -20% |
| Allstate | $384 | $4,613 | 6% |
Senior drivers in Lubbock pay lower rates than most age groups. State Farm charges the least at $104 monthly for full coverage. GEICO costs $131, and Germania charges $149.
Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older. State Farm provides mature driver discounts and defensive driving course credits.
| State Farm | $104 | $1,252 | -46% |
| Geico | $131 | $1,576 | -31% |
| Germania Insurance | $149 | $1,787 | -22% |
| AAA | $165 | $1,978 | -14% |
| Chubb | $198 | $2,375 | 3% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $48 monthly for minimum coverage, compared to Germania's $71. For speeding tickets, State Farm costs $40 a month, and GEICO charges $62. State Farm offers the best DUI rates at $65 monthly, with Farmers at $82.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $48 | -53% |
| At-Fault Accident | Germania Insurance | $71 | -31% |
| DUI | State Farm | $65 | -42% |
| DUI | Farmers | $82 | -27% |
| Speeding Ticket | State Farm | $40 | -53% |
| Speeding Ticket | Geico | $62 | -27% |
Lubbock rates span from $146 to $182 monthly for full coverage, depending on your ZIP code. High-risk areas like 79416 cost $182. Safer neighborhoods like 79423 cost $146.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $36 monthly gap between Lubbock's most and least expensive ZIP codes.
| 79416 | $182 |
| 79424 | $178 |
| 79402 | $172 |
| 79430 | $163 |
| 79411 | $157 |
| 79401 | $157 |
| 79412 | $155 |
| 79404 | $154 |
| 79403 | $153 |
| 79409 | $152 |
| 79423 | $146 |
| 79413 | $147 |
| 79407 | $147 |
| 79414 | $148 |
| 79406 | $149 |
| 79410 | $149 |
| 79415 | $151 |
| 79409 | $152 |
| 79403 | $153 |
| 79404 | $154 |
State Farm leads Lubbock's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
GEICO, AAA, Mercury and Chubb are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Geico | 90 | 2 | 6 | 6 |
| AAA | 88 | 3 | 4 | 6 |
| Mercury Insurance | 88 | 4 | 5 | 4 |
| Chubb | 83 | 6 | 1 | 5 |
Cheapest rates across all driver profiles
Full coverage rates 44% below city average
4.5 out of 5 customer service rating
Limited policy customization options
Fewer discount opportunities than competitors
Lower coverage options compared to other providers
State Farm ranks first in Lubbock with the lowest rates for drivers with accidents, speeding tickets and DUI violations, plus a 4.5 out of 5 customer service rating. It charges full coverage rates 44% below the city average and provides 24/7 claims handling through its local agent network.
State Farm handles Lubbock's severe weather with immediate support for hail damage and theft-related incidents. Its Drive Safe & Save and Steer Clear programs help drivers earn discounts while navigating local traffic.
Second-cheapest rates across most profiles
Competitive pricing for young drivers
24/7 mobile claims support
Limited local agent presence for face-to-face service
Some policies lack standard roadside assistance coverage
Lowest customer experience ranking among local providers
GEICO ranks second in Lubbock with competitive rates for young drivers and efficient claims handling during seasonal hailstorms. It provides 24/7 mobile support for reporting and tracking claims.
GEICO handles weather-related damage with collision and comprehensive protection, mechanical breakdown coverage and an auto repair Xpress program for local repair quality challenges.
Lubbock drivers pay some of the highest car insurance rates in Texas. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Lubbock's risk profile. Your driving record improves after three years, unlocking lower rates.
Lubbock drivers shouldn't let high insurance costs drain their wallets. Our answers to common questions help guide you.
Lubbock car insurance is moderately expensive. It costs $156 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Lubbock starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 79416 often pay much more than those in 79423.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Lubbock ZIP code.
Our ratings for the best car insurance in Lubbock are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Lubbock neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
