Updated: November 20, 2025
Advertising & Editorial Disclosure
State Farm offers the cheapest car insurance in Lubbock at $484 per year for minimum coverage, 44% below the city average. Other major insurers serving Lubbock include GEICO, Progressive, Travelers and Allstate.
Car insurance in Lubbock costs an average of $820 per year for minimum coverage and $1,877 for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 for full coverage.
State Farm offers Lubbock's lowest rates: $484 annually for minimum coverage (44% below the city average) and $1,120 annually for full coverage.
GEICO ranks second, with $650 for minimum coverage and $1,335 for full coverage. Progressive offers competitive rates for specific driver profiles.
Start your search with State Farm and GEICO — most Lubbock drivers find their best rate from one of these two insurers. Get quotes from both to compare pricing for your situation.
| State Farm | $40 | $93 | -44% |
| GEICO | $54 | $111 | -30% |
| AAA | $61 | $128 | -20% |
| Mercury | $61 | $141 | -15% |
| Germania | $70 | $143 | -10% |
State Farm offers the lowest rates across all age groups in Lubbock. Adults with clean records pay $484 annually, while young drivers pay $1,094. That's a 126% premium increase driven by limited experience and higher accident rates among younger drivers. Seniors pay $563 annually, about 16% above adult rates.
Texas rates change as drivers age into different categories or add teen drivers to family policies. Compare quotes annually to maintain the best rates for your family's coverage needs.
Young drivers in Lubbock pay the lowest yearly rates with State Farm ($1,094) and GEICO ($1,135). Drivers under 25 pay higher premiums due to limited experience. Good student discounts and safe driver programs reduce these costs.
| State Farm | $91 | $1,094 | -46% |
| Geico | $95 | $1,135 | -44% |
| AAA | $141 | $1,689 | -17% |
| Germania Insurance | $144 | $1,726 | -15% |
| Farmers | $172 | $2,060 | 1% |
Adults aged 26 to 64 pay the lowest rates with State Farm, 44% below Lubbock's average. GEICO and AAA also offer affordable policies for experienced drivers. Policy bundles and usage-based programs provide additional savings.
| State Farm | $40 | $484 | -44% |
| Geico | $54 | $650 | -25% |
| Mercury Insurance | $61 | $728 | -16% |
| AAA | $61 | $736 | -15% |
| Germania Insurance | $70 | $839 | -3% |
Seniors in Lubbock pay the lowest rates with State Farm: $47 monthly ($563 annually) for minimum coverage and $104 monthly ($1,252 annually) for full coverage. Low-mileage drivers and those completing defensive driving courses save an additional 10-15% on premiums.
| State Farm | $47 | $563 | -49% |
| Geico | $71 | $853 | -23% |
| Germania Insurance | $75 | $895 | -20% |
| AAA | $84 | $1,008 | -10% |
| Dairyland | $95 | $1,138 | 2% |
High-risk drivers in Lubbock, including those with poor credit or past violations, find competitive rates from State Farm and GEICO. Premiums increase after incidents but decrease over time with continuous coverage and safe driving.
Cheapest options and monthly rates for high-risk drivers:
Drivers with bad credit in Lubbock pay the lowest rates with GEICO: $78 monthly for minimum coverage and $185 monthly for full coverage. Minimum coverage includes Texas' 30/60/25 liability requirements. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles. Improving credit and making on-time payments lowers future premiums.
| Geico | $78 | $941 | -52% |
| Dairyland | $109 | $1,311 | -33% |
| Germania Insurance | $117 | $1,400 | -29% |
| Allstate | $118 | $1,419 | -28% |
| Chubb | $128 | $1,536 | -22% |
Drivers with a DUI pay the lowest rates with State Farm: 42% below Lubbock's average for minimum coverage and 41% below average for full coverage. DUI programs are required but don't reduce rates while you're under SR-22 filing requirements.
| State Farm | $65 | $785 | -42% |
| Farmers | $82 | $983 | -27% |
| Mercury Insurance | $82 | $984 | -27% |
| Geico | $94 | $1,126 | -16% |
| AAA | $96 | $1,147 | -15% |
Drivers with an at-fault accident pay the lowest rates with State Farm: $48 monthly, 53% below Lubbock's average. Clean driving for three years returns most drivers to standard pricing.
| State Farm | $48 | $571 | -53% |
| Germania Insurance | $71 | $851 | -31% |
| Geico | $74 | $893 | -27% |
| Farmers | $76 | $913 | -25% |
| AAA | $90 | $1,079 | -12% |
Drivers with a speeding ticket pay the lowest rates with State Farm: $40 monthly for minimum coverage and $93 monthly for full coverage. Safe driving for one to three years lowers rates at policy renewal.
| State Farm | $40 | $484 | -53% |
| Geico | $62 | $748 | -27% |
| Germania Insurance | $70 | $839 | -18% |
| AAA | $81 | $972 | -5% |
| Mercury Insurance | $84 | $1,005 | -2% |
State Farm leads Lubbock with a MoneyGeek score of 95 out of 100, combining the market's lowest rates with strong customer service and an extensive agent network. GEICO scores 90 with competitive pricing, efficient digital tools and streamlined claims processing.
Both insurers maintain excellent financial stability ratings and low complaint ratios with the Texas Department of Insurance. State Farm works best for drivers who want local agent relationships and bundling opportunities. GEICO works best for drivers who manage policies online.
| 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 |
Lowest rates in Lubbock
High customer service ratings
Multiple driver discounts
Limited coverage options
Few add-ons
State Farm ranks first in Lubbock for value and affordability, with rates well below the city average for most drivers. Adult drivers, seniors and drivers with accidents save the most. A customer satisfaction score of 4.5 out of 5 means fast claims processing and responsive support.
Low rates for young drivers
Strong digital tools
Fast quote process
Average customer service scores
Limited local agent access
GEICO ranks second in Lubbock, with the lowest rates for young drivers and drivers with newer vehicles. The mobile app and website make policy management simple. GEICO offers the lowest rates for drivers with bad credit while maintaining competitive pricing across coverage types.
Lubbock drivers pay an average of $820 annually for minimum coverage and $1,877 for full coverage. These rates match Texas' averages.
State Farm charges $484 for minimum coverage, 41% below Lubbock's average. Texas requires 30/60/25 minimum coverage, which creates higher baseline costs than most states.
Lubbock's costs run lower than Houston or Dallas due to less traffic density and fewer accidents. Drivers with clean records who compare quotes pay well below city averages.
| Full Coverage | $156 | $1,877 |
| Minimum Coverage | $68 | $820 |
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.
| 79401 | $68 | $157 |
Lubbock drivers pay some of Texas' highest car insurance rates. Comparing quotes saves hundreds of dollars annually. Follow these steps to find affordable coverage.
Determine how much coverage you need based on your car's value and personal circumstances. Use our car insurance coverage needs calculator to find the right amount. Consider your vehicle's age, driving habits and budget.
Research various types of car insurance to find the best fit. Pay-per-mile coverage saves money if you drive infrequently. Non-owner insurance works for occasional driving without owning a car.
Research average vehicle insurance costs in Lubbock to set realistic expectations. Your area's typical rates help you identify good deals and avoid overpaying. Compare these averages to your quotes.
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.
Check each insurer's customer service ratings and claims satisfaction scores. Read reviews from other Lubbock drivers about their experiences.
Contact at least three insurers to compare rates. Use a mix of local agents, online quote tools and direct insurer contact. Each company calculates rates differently, so compare multiple quotes to find the best deal.
Review your car insurance policy every year. Your rates change based on your driving record, credit score and insurer pricing. Shop around annually to maintain affordable coverage.
Car insurance rates in Lubbock depend on your driving record, credit score and coverage needs. State Farm and GEICO offer the lowest average premiums, but compare quotes from multiple insurers to find your best rate.
Find straightforward answers about cheap car insurance in Lubbock to help you balance affordability with adequate coverage.
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.
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.
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.
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.
Lubbock drivers pay some of Texas' highest car insurance rates. Comparing quotes saves hundreds of dollars annually. We analyzed hundreds of thousands of quotes from 12 insurers across all Lubbock ZIP codes to identify which companies offer the lowest rates for drivers like you.
Our Sample Driver Profile
We built our rate analysis around a typical Lubbock driver to reflect real-world costs you'd actually pay:
We adjusted age, driving record, credit score and military affiliation to find the best rates for specific driver profiles, from teens through seniors, high-risk drivers and veterans.
Coverage Levels We Compared
Texas requires 30/60/25 minimum coverage:
For full coverage comparisons, we used 100/300/100 liability limits plus:
Higher liability limits cost only $10 to $20 more monthly but provide much better financial protection after serious accidents.
How We Scored Companies
We weighted three factors based on what matters most when choosing insurance:
Affordability (60%): We compared quotes for common driver profiles across Lubbock ZIP codes. Price matters most because even great coverage doesn't help if you can't afford it.
Customer experience (30%): We reviewed Google ratings, J.D. Power scores, AM Best ratings and Reddit forums to measure real customer satisfaction. Fast claims processing and responsive customer service help you get paid quickly after accidents.
Coverage options (10%): We evaluated the number of coverage options, unique offerings and included benefits. More choices help you customize coverage to your needs.
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.
