State Farm has the lowest car insurance rates in Lubbock: $484 per year for minimum coverage and $1,120 annually for full coverage. Other affordable insurers in the city include GEICO, AAA and Mercury.
Car Insurance in Lubbock
Updated: August 10, 2025
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Key Takeaways
Lubbock's cheapest car insurance companies are State Farm, GEICO and AAA, with savings up to 44% compared to the city average.
Monthly car insurance costs in Lubbock average $156 for full coverage and $68 for minimum coverage.
To find the best cheap auto insurance in Lubbock, compare quotes from multiple sources and choose the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Lubbock?
| State Farm | $40 | $93 | -44% |
| GEICO | $54 | $111 | -30% |
| AAA | $61 | $128 | -20% |
| Mercury | $61 | $141 | -15% |
| Germania | $70 | $143 | -10% |
Compare the Cheapest Lubbock Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details, not just your location. Check the table below to find the cheapest insurance company based on your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $116 | $1,388 | -50% |
| Germania | $136 | $1,637 | -41% |
| GEICO | $170 | $2,044 | -26% |
| AAA | $180 | $2,161 | -22% |
| Chubb | $240 | $2,878 | 4% |
Cheapest Car Insurance by Age Group in Lubbock
Car insurance rates in Lubbock vary based on your age. Here's what you'll pay with the most affordable insurance provider in each age group:
- Young drivers (16 to 25): State Farm offers the lowest rates at $91 per month
- Adult drivers (26 to 64): State Farm provides coverage from $40 per month
- Senior drivers (65+): State Farm leads with rates starting at $47 per month
Cheapest Car Insurance for Young Drivers in Lubbock
State Farm and GEICO offer the best car insurance rates for young drivers in Lubbock with average yearly rates starting at $1,094 and $1,135, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $91 | $1,094 | -46% |
| GEICO | $95 | $1,135 | -44% |
| AAA | $141 | $1,689 | -17% |
| Germania | $144 | $1,726 | -15% |
| Farmers | $172 | $2,060 | 1% |
Cheapest Car Insurance for Adult Drivers in Lubbock
In Lubbock, State Farm provides the lowest rates for adult drivers (26-64), saving drivers around 44% on average. GEICO and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $40 | $484 | -44% |
| GEICO | $54 | $650 | -25% |
| Mercury | $61 | $728 | -16% |
| AAA | $61 | $736 | -15% |
| Germania | $70 | $839 | -3% |
Cheapest Car Insurance for Senior Drivers in Lubbock
For seniors in Lubbock, State Farm offers the most affordable car insurance across both coverage types. Minimum coverage costs $47 per month or $563 annually, while full coverage runs $104 monthly or $1,252 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $47 | $563 | -49% |
| GEICO | $71 | $853 | -23% |
| Germania | $75 | $895 | -20% |
| AAA | $84 | $1,008 | -10% |
| Dairyland | $95 | $1,138 | 2% |
Cheapest Car Insurance for High-Risk Drivers in Lubbock
If you're a high-risk driver in Lubbock, these insurance companies offer the lowest rates based on your situation:
- 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)
Cheapest Car Insurance for Bad Credit in Lubbock
GEICO offers the cheapest car insurance for bad credit in Lubbock, with monthly rates starting at $78 for minimum coverage and $185 for full coverage. These affordable rates include state minimum liability coverage at the lower tier and 100/300/100 coverage with a $1,000 deductible at the full coverage level.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $78 | $941 | -52% |
| Dairyland | $109 | $1,311 | -33% |
| Germania | $117 | $1,400 | -29% |
| Allstate | $118 | $1,419 | -28% |
| Chubb | $128 | $1,536 | -22% |
Cheapest Car Insurance With a DUI in Lubbock
State Farm offers the most affordable car insurance for Lubbock drivers with a DUI. Its rates are 42% below average for minimum coverage and 41% lower for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $65 | $785 | -42% |
| Farmers | $82 | $983 | -27% |
| Mercury | $82 | $984 | -27% |
| GEICO | $94 | $1,126 | -16% |
| AAA | $96 | $1,147 | -15% |
Cheapest Car Insurance With an Accident in Lubbock
State Farm offers the lowest rates for Lubbock drivers with accident records, with premiums starting at $48 monthly. Their rates are 53% below the city average for minimum liability coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $48 | $571 | -53% |
| Germania | $71 | $851 | -31% |
| GEICO | $74 | $893 | -27% |
| Farmers | $76 | $913 | -25% |
| AAA | $90 | $1,079 | -12% |
Cheapest Car Insurance With a Speeding Ticket in Lubbock
State Farm offers Lubbock's cheapest car insurance for drivers with speeding tickets. Their minimum liability coverage costs $40 per month, while full coverage with higher limits runs $93 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $40 | $484 | -53% |
| GEICO | $62 | $748 | -27% |
| Germania | $70 | $839 | -18% |
| AAA | $81 | $972 | -5% |
| Mercury | $84 | $1,005 | -2% |
Best Car Insurance Companies in Lubbock
In Lubbock, the top car insurance companies are State Farm, GEICO, AAA and Mercury. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 90 | 2 | 6 | 6 |
| AAA | 88 | 3 | 4 | 6 |
| Mercury | 88 | 4 | 5 | 4 |
| Chubb | 83 | 6 | 1 | 5 |
State Farm: Best Cheap Overall
pros
Most affordable rates in Lubbock
Strong customer service ratings
Multiple driver discounts available
cons
Limited coverage options
Few add-on choices
COMPANY HIGHLIGHTS
State Farm ranks first in Lubbock for overall value and affordability. The company offers rates well below the city average for most drivers. State Farm particularly stands out for adult drivers, seniors, and those with accidents on their record. Their high customer satisfaction ratings translate to quick claims processing and helpful support.
GEICO: Best for Specialized Coverage
pros
Competitive rates for young drivers
Strong digital tools
Easy quote process
cons
Average customer service scores
Limited local agent availability
COMPANY HIGHLIGHTS
GEICO ranks second overall in Lubbock, offering particularly good value for young drivers and those with newer vehicles. Their digital tools make policy management straightforward, with an easy-to-use app and website. GEICO provides the most affordable options for drivers with bad credit and maintains competitive rates across most coverage types.
How Much Is Car Insurance in Lubbock?
In Lubbock, minimum coverage costs about $68 per month or $820 per year, ranking 1,267th out of all Texas cities for affordability. Full coverage averages $156 monthly or $1,877 annually, ranking 1,258th among Texas cities.
| Full Coverage | $156 | $1,877 |
| Minimum Coverage | $68 | $820 |
Compare Personalized Lubbock Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use this table to filter Lubbock car insurance rates by your age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $228 | $2,741 | 6% |
Lubbock Car Insurance Costs by ZIP Code
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.
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ZIP Code:79401
| 79401 | $68 | $157 |
How to Get the Best Cheap Lubbock Car Insurance
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.
- 1
Know your coverage needs
Start by understanding exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to determine the right amount based on your car's value and personal circumstances. Consider factors like your vehicle's age, your driving habits and your budget.
- 2
Explore different coverage types
Look into various types of car insurance to find the best fit. If you drive infrequently, pay-per-mile coverage might save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Check local insurance costs
Research average vehicle insurance costs in Lubbock to set realistic expectations. Knowing your area's typical rates helps you identify good deals and avoid overpaying. Compare these averages to the quotes you receive.
- 4
Find available discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts and military discounts if they apply to you.
- 5
Research insurance company ratings
Check each insurance company's customer service ratings and claims satisfaction scores. Look for reviews from other Lubbock drivers to understand their experiences.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies to compare rates. Use a mix of local agents, online quote tools, and direct contact with insurers. Each company calculates rates differently, so comparing multiple quotes helps ensure you find the best deal.
- 7
Review your policy annually
Mark your calendar to review your car insurance policy every year. Your rates might change based on your driving record, credit score, or insurance company's pricing. Shopping around annually helps ensure you maintain the most affordable coverage for your needs.
Cheapest Car Insurance in Lubbock: Bottom Line
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.
Cheap Lubbock Car Insurance: FAQ
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.
What is the cheapest car insurance company in Lubbock, Texas?
State Farm offers the lowest rates in Lubbock, with average annual premiums of $484 for minimum coverage and $1,120 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Lubbock?
State Farm leads Lubbock's car insurance providers with a MoneyGeek score of 95 out of 100, scoring five points higher than GEICO. The company delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Lubbock?
In Lubbock, Texas, full coverage car insurance costs $1,877 annually, while minimum coverage averages $820. Your actual rates will vary based on individual factors.
Is car insurance in Lubbock expensive?
Car insurance in Lubbock costs more than average, ranking 1,267th for minimum coverage affordability and 1,258th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Lubbock, TX
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.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.