Cheapest and Best Car Insurance Companies in Lubbock, TX

Car insurance costs can vary depending on the driver’s profile, age, coverage needs and other considerations.

State Farm is Lubbock's cheapest car insurance company for minimum and full coverage policies. It’s also the most affordable insurer for drivers with speeding tickets, at-fault accidents and military backgrounds.

Meanwhile, Mercury offers the cheapest rates for motorists with DUI, and Nationwide has the lowest premiums for teen drivers.

MoneyGeek’s analysis shows that the cheapest car insurance providers in Lubbock for minimum coverage are:

• State Farm: $304 per year
• Allstate: $328 per year
• Texas Farm Bureau: $328 per year

On the other hand, Dairyland has the highest rates for minimum coverage insurance at approximately $901 per year.

At roughly $300 per year, the cheapest car insurance in Texas also comes from State Farm. But, its rates are higher in Lubbock as location usually affects car insurance costs.

Texas establishes the minimum coverage requirements for drivers in the state. It includes property damage and personal injury with the following limits:

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

Personal injury protection covers medical expenses, rehabilitation costs, loss of income and funeral expenses if you're responsible for an accident.

So, suppose you have $30,000 in bodily injury liability per person. In that case, your insurance company pays for damages up to that limit for each person (maxing out at $60,000 in this case). If a person’s medical expenses are $40,000, you must pay the remaining $10,000 out of pocket.

The cheapest options for full coverage insurance in Lubbock are:

• State Farm: $637 per year
• Texas Farm Bureau Group: $722 per year

Dairyland offers the most expensive full coverage policies, with an average yearly cost of $1,827.

State Farm has the cheapest full coverage car insurance in Texas at an average of $711 per year. This is $74 less than its rates in Lubbock, underlining location's impact on car insurance prices.

A full coverage auto insurance policy provides more protection than a minimum coverage policy. It includes collision and comprehensive coverage in addition to the required liability limits.

• Collision Coverage: Covers damages to your car in the event of an accident, such as a collision with another vehicle or object
• Comprehensive Coverage: Pays for repair or replacement expenses from non-collision events like theft or natural disasters

If you have a newer vehicle, purchasing full coverage insurance may be a wise investment to protect your new car. But, if your vehicle is older, the added costs of full coverage insurance may not be justifiable.

If you have a driving violation, these are the most affordable car insurance providers in Lubbock:

• Speeding Ticket: State Farm ($637 per year)
• At-Fault Accident: State Farm ($790 per year)
• DUI: Mercury ($1,154 per year)

On the other hand, the city’s most expensive car insurance options after a driving offense:

• Speeding Ticket: Dairyland ($2,225 per year)
• At-Fault Accident: Foremost ($3,133 per year)
• DUI: Chubb ($2,472 per year)

If you have a driving violation on your record, you may still face increased premiums with insurance from an affordable provider.

If you have a driving violation, your car insurance premium may increase. Those extra costs often depend on the severity of your offense.

For instance, if you have a DUI in Lubbock, you might have to pay $270 more than someone with a speeding ticket. But, you may still find affordable auto insurance after a bad driving record by shopping around.

MoneyGeek's research shows these companies offer Lubbock's cheapest car insurance for teen drivers on family plans:

• Nationwide: $1,418 per year for female teens; $1,616 per year for male teens
• State Farm: $1,651 per year for female teens; $1,997 per year for male teens

Allstate charges the most for teen drivers, with an average cost of $6,130 and $7,214 per year for female and male teens, respectively.

It's common for male teen drivers to be seen as higher risk than female teen drivers, so they typically face higher premiums. The differences tend to decrease as they reach early adulthood.

To save on your teen’s car insurance costs, adding them to your family's policy instead of getting them a separate one can be more cost-effective. This can save you around $3,267 annually for a male teenager.

Additionally, you can save by comparing offers and shopping around for cheap car insurance for teens.

The cheapest full coverage car insurance for military-affiliated drivers in Lubbock are:

• State Farm: $637 per year
• Texas Farm Bureau Group: $722 per year

USAA is another cost-effective insurance company for veterans, military personnel and their families, costing around $897 per year.

For drivers with military backgrounds seeking minimum coverage policies, the most affordable options in Lubbock are State Farm at roughly $304 and Allstate and Texas Farm Bureau Group at around $328 per year.

If you’re getting car insurance quotes online, you may have to put in a lot of your personal information. It takes roughly 15 minutes to get a quote from a single provider.

Luckily, you can use MoneyGeek’s car insurance calculator to save time and effort. Our tool provides estimates instantly based on your age, vehicle type, driving history and preferred coverage.

The best car insurance for you depends on your needs and how you value service quality, cost, coverage options and other factors.

MoneyGeek has done the research and identified the top car insurance companies in Lubbock for various driver profiles:

• Best overall: Texas Farm Bureau Group (MoneyGeek score 79 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap insurance: Texas Farm Bureau Group: (MoneyGeek score 80 out of 100)

The MoneyGeek score of a company may change by category.

State Farm is also our choice for the best car insurance company in Texas. Meanwhile, USAA is our pick as the best auto insurer for drivers with a military background.

MoneyGeek’s analysis reveals the best overall car insurance providers in Lubbock are:

• Texas Farm Bureau Group: MoneyGeek score 79 out of 100 ($722 per year)
• State Farm: MoneyGeek score 76 out of 100 ($637 per year)

Texas Farm Bureau Group stands out as the best due to its balance of low premiums and exceptional customer service. It doesn’t sacrifice its service quality to offer affordable prices.

If cost isn't a concern, the following are the top car insurance providers in Lubbock for customer service:

• Chubb: MoneyGeek score 76 out of 100 ($1,263 per year)
• Foremost: MoneyGeek score 67 out of 100 ($1,364 per year)

Chubb has a reputation for exceptional customer satisfaction and claims management.

Remember that Chubb is one of the most expensive providers in Lubbock, which means you need to pay a high price to get quality service.

MoneyGeek studied the affordability and service quality of auto insurance policies meeting Texas’s minimum coverage requirements. Based on that, the best car insurance providers are:

• Texas Farm Bureau Group: MoneyGeek score 80 out of 100 ($328 per year)
• State Farm: MoneyGeek score 78 out of 100 ($304 per year)

Choosing minimum coverage may reduce your premiums. But, these policies offer limited protection against liability costs and don't cover damages to your vehicle.

You may save money with a minimum coverage policy, but you could also lose a lot of money in case of an accident.

According to MoneyGeek’s analysis, the average cost of full coverage auto insurance in Lubbock is $1,095 per year. This estimate is for a full coverage car insurance policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

Car insurance in Lubbock is approximately $106 cheaper than the average cost of car insurance in Texas. It’s also $170 more affordable than the national average. This shows how location can impact your car insurance rates.