Cheapest Auto Insurance in Lubbock, Texas (2024)
State Farm, GEICO, and Allstate offer the cheapest car insurance rates in Lubbock.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Updated November 20, 2024
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Table of contents
Lubbock is the intersection of a sprawling landscape and modern urban living in West Texas. Located between two major interstates, the city is prone to heavy traffic.
But Lubbock drivers have to contend with more than busy roads. They must also make room in their budgets for an overall average monthly premium of $164 for car insurance, which is just below the overall Texas average of $181 per month.
Whether you’re a new driver or an experienced one, you’ll learn how to find the right auto insurance policy for you below. Remember to always compare quotes before buying a policy.
Quick Facts
Lubbock drivers with poor credit pay nearly twice as much for car insurance.
On average, drivers in Lubbock pay $221 per month for full coverage and $107 for liability only.
State Farm, GEICO, and Allstate offer the cheapest car insurance rates in Lubbock.
3 of the cheapest car insurance companies in Lubbock
The cheapest car insurance company may not always be your best choice. Insurance companies consider many factors when setting rates, such as age, ZIP code, driving record, vehicle type, and credit score. Your rate will differ from every other driver, so it’s crucial to compare quotes from multiple insurers to find the best fit. The average quotes listed in the table below apply to Texas overall, not just Lubbock.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Cheap rates |
| Progressive | 8.4 | $175 | $101 | Drivers with an at-fault accident |
| Allstate | 8.9 | $98 | $53 | College students |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $63/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Drivers can find the cheapest car insurance in Lubbock at State Farm. The company has 23 agents available in the city and earns high marks for customer service from J.D. Power. You can also cut up to 30% off your premiums by enrolling in State Farm’s Drive Safe & Save program.
Pros
23 agents in the city
Among the cheapest companies in Lubbock
Savings of up to 30% for driving fewer miles
Cons
38 National Association of Insurance Commissioners (NAIC) complaints filed in Texas in 2022
Average grade of C- for claims handling from the CRASH Network
Can’t buy a policy online
Best insurer for drivers with an at-fault accident: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $159/mo |
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,794)
Steven
November 19, 2024
Verified Review
I'll Stay with Them, No One Can Beat Them!
They are the cheapest I have found!
Lesley
November 16, 2024
Verified Review
Disappointed
If you want to use the auto pay feature, you have to do snapshot.
Joyce
November 14, 2024
Verified Review
Unfair Pricing
They initially offered a low price, but then added $100 after three months without any notice. I tried to contact them about it, but they either did not answer the phone or responded in a hostile manner. As a result, I had to cancel and find coverage elsewhere.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is a top choice for Lubbock car insurance if you have an at-fault accident on your record. The company offers three types of accident forgiveness to help lower your rates. “Small accident forgiveness” helps for claims under $500, while “large accident forgiveness” keeps your rates steady after an accident. You can also purchase extra accident forgiveness perks.
Pros
22 agents in Lubbock
Average bundling discount of 20%
No NAIC complaints filed in Texas in 2022
Cons
Charges higher rates for drivers with an at-fault accident
Below-average J.D. Power customer satisfaction rating in Texas
Average grade of C for claims handling from the CRASH Network
Best insurer for college students: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
More than 52,000 students attend college in Lubbock. If you’re one of them and need car insurance, consider Allstate. The company has nine insurance agents in the city, giving you easy access to in-person support if you need it. If you’re younger than 25, ask about discounts for completing a driver education program, getting good grades, or attending school at least 100 miles from home.
Pros
9 agents available in the city
Numerous discounts for college students
Rideshare coverage options available
Cons
No agents on the east side of Lubbock
5 NAIC complaints filed in Texas in 2022
Below-average J.D. Power customer satisfaction rating in Texas
How to get the cheapest car insurance in Lubbock
Insurers consider age, marital status, vehicle choice, household members, and whether you own a home when setting premiums. But your driving record, auto insurance history, and credit score also have an effect.
Considering all that, finding wallet-friendly car insurance in Lubbock isn’t impossible. Here’s how to lock in affordable rates:
Bundle your auto and home coverage. Combining your car insurance with other policies, like home or renters insurance, can qualify you for discounts of up to 25%.
Increase your deductible. A higher deductible can lower your premiums. Just make sure you can cover the cost when the time comes to file a claim.
Drive safely. A clean driving record is key to qualifying for the best rates.
Plan ahead. Purchase your new policy before your current one expires to qualify for savings.
Shop around. Don’t settle for the first quote you get. Compare quotes from different insurers to make sure you get the best coverage at the lowest price.
Find Cheap Car Insurance in Lubbock, Texas
Monthly rates start as low as $34 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Lubbock: State Farm
Liability car insurance offers protection for damages or injuries you may cause to others while driving. It’s a type of minimum-level coverage that meets the legal requirements for auto insurance for Texas drivers. A liability policy doesn’t cover your damages, injuries, or vehicle repairs. It covers only the other party’s medical expenses and property damage.
Lubbock residents pay an average monthly rate of $107 for liability-only car insurance. Here are some of the best quotes for liability coverage in Lubbock.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $34 |
| GEICO | $36 |
| Allstate | $48 |
| Mile Auto | $52 |
| USAA | $60 |
| Nationwide | $76 |
| Mercury | $79 |
| Safeco | $92 |
| Progressive | $92 |
| Dairyland | $98 |
| Chubb | $102 |
| Clearcover | $112 |
| National General | $112 |
| 21st Century | $118 |
| Direct Auto | $119 |
| The General | $119 |
| Bristol West | $123 |
| Commonwealth Casualty | $124 |
| Elephant | $131 |
| GAINSCO | $151 |
| Liberty Mutual | $180 |
| Foremost | $203 |
| State Auto | $227 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lubbock: State Farm
The difference between liability and full-coverage car insurance is that full coverage also pays for damages to your own vehicle. Full coverage is a collection of policies, including liability insurance, collision insurance, and comprehensive insurance.
Drivers who want the broadest protection and minimal out-of-pocket costs in the event of an incident should consider full-coverage car insurance. On average, full coverage costs Lubbock drivers $221 per month. Below are some of the cheapest options for full-coverage auto insurance in Lubbock.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $63 |
| GEICO | $68 |
| Allstate | $88 |
| Mile Auto | $105 |
| USAA | $111 |
| Mercury | $135 |
| Nationwide | $140 |
| Progressive | $159 |
| Safeco | $164 |
| Clearcover | $168 |
| Chubb | $188 |
| Elephant | $216 |
| 21st Century | $218 |
| Direct Auto | $227 |
| National General | $232 |
| Dairyland | $254 |
| The General | $259 |
| Bristol West | $263 |
| Liberty Mutual | $297 |
| GAINSCO | $322 |
| Commonwealth Casualty | $342 |
| State Auto | $418 |
| Foremost | $431 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lubbock, Texas
Drivers in and around Lubbock, Texas have found policies from Commonwealth Casualty, Liberty Mutual, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lubbock, Texas within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Texas law requires 30/60/25 coverage. That means your policy must have $30,000 of bodily injury liability coverage per person, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability coverage.
Your Texas car insurance will also include personal injury protection (PIP), which pays medical expenses, lost wages, and other non-medical costs for you and your passengers. But you can opt out of PIP coverage by notifying your insurer in writing.[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
A crucial consideration is that the minimum coverage requirements may not be enough to protect you financially in an accident. Because you’re responsible for covering damages and injuries if the cost exceeds your policy limit, the Texas Department of Insurance recommends increasing your coverage levels.[1]
You can also purchase additional coverage for even more protection:
Collision coverage
Collision coverage takes care of costs to repair or replace your vehicle following an accident.
Comprehensive coverage
Comprehensive insurance covers stolen vehicles and damage from non-collision events, like fire, flood, and vandalism.
Uninsured/underinsured motorist coverage
Uninsured or underinsured motorist coverage steps in to cover hit-and-run accidents and situations when the other driver lacks insurance or has insufficient coverage.
Towing and labor coverage
Towing and labor coverage pays for roadside assistance, such as towing expenses and labor costs for tasks like changing a flat tire and jump-starting your battery.
Rental reimbursement coverage
Rental reimbursement coverage helps pay for the cost of renting a car after an accident while your vehicle is undergoing repairs.
Texas insurance laws and programs
Texas has a few other notable insurance laws and programs for Lubbock drivers. For instance, your insurer automatically covers new cars you buy for about 20 days after purchase. And if you rent a car, your insurance policy coverage for your vehicle generally covers you if you drive it for personal use but not if you use it for work.
Although you’re probably less likely to venture into Mexico than someone who lives in Candelaria, it’s important to note that your insurance policy isn’t any good once you cross the border — American auto policies won’t protect you in Mexico. At a minimum, you’ll need an endorsement from your insurer, but you should consider a Mexican liability policy.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all types of incidents that can show up on your driving record. Violations like this can classify you as a higher-risk driver. Because insurers look at your driving record when quoting coverage, they’ll likely charge you higher rates for coverage.
But you can still find affordable car insurance from plenty of insurers. Below, you’ll find the best options for drivers with blemishes on their driving records.
Find Car Insurance in Lubbock, TX
Rates start at $41 for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Insurance companies view speeding as a risky behavior that increases the possibility of accidents, and they quote higher premiums to offset the higher likelihood of future claims. It’s not uncommon to get a speeding ticket in Lubbock. “Failure to control speed” is a top factor in car accidents, according to the Lubbock Police Department’s 2022 annual report.[2]
Lubbock drivers with a speeding ticket face an average monthly cost of $146 for liability-only coverage and $302 for full coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $34 | $43 |
| GEICO | $36 | $46 |
| Allstate | $48 | $61 |
| Mile Auto | $52 | $67 |
| USAA | $60 | $77 |
| Nationwide | $76 | $98 |
| Mercury | $79 | $108 |
| Safeco | $92 | $119 |
| Progressive | $92 | $117 |
| Dairyland | $98 | $125 |
| Chubb | $102 | $133 |
| Clearcover | $112 | $144 |
| National General | $112 | $144 |
| 21st Century | $118 | $156 |
| Direct Auto | $119 | $152 |
| The General | $119 | $155 |
| Bristol West | $123 | $159 |
| Commonwealth Casualty | $124 | $171 |
| Elephant | $131 | $181 |
| GAINSCO | $151 | $208 |
| Liberty Mutual | $180 | $248 |
| Foremost | $203 | $280 |
| State Auto | $227 | $313 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
When you’re at fault in an accident, it suggests you’re more likely to engage in unsafe driving practices, putting you and others at risk on the roads. The higher risk often leads to higher insurance premiums. The circumstances of the accident determine how much your rate changes. For instance, a high-speed crash or fatal accident might result in higher premiums.
In Lubbock, drivers with at-fault accidents pay an average of $320 per month for full coverage and $155 for liability only. Below are some of the lowest monthly quotes for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $34 | $46 |
| GEICO | $36 | $49 |
| Allstate | $48 | $65 |
| Mile Auto | $52 | $72 |
| USAA | $60 | $82 |
| Nationwide | $76 | $104 |
| Mercury | $79 | $115 |
| Safeco | $92 | $124 |
| Progressive | $92 | $126 |
| Dairyland | $98 | $132 |
| Chubb | $102 | $139 |
| Clearcover | $112 | $164 |
| National General | $112 | $152 |
| 21st Century | $118 | $165 |
| Direct Auto | $119 | $165 |
| The General | $119 | $165 |
| Bristol West | $123 | $167 |
| Commonwealth Casualty | $124 | $165 |
| Elephant | $131 | $174 |
| GAINSCO | $151 | $197 |
| Liberty Mutual | $180 | $261 |
| Foremost | $203 | $294 |
| State Auto | $227 | $335 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI on your record can have significant financial consequences. In Lubbock, you’ll pay a fine of up to $2,000, spend up to 180 days in jail, and possibly lose your license for a year after your first offense.[3] You’ll also notice higher car insurance rates after driving under the influence, making it more expensive to maintain coverage.
The average monthly cost of car insurance with a DUI in Lubbock is $364 per month for full coverage and $176 for liability only. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $34 | $56 |
| GEICO | $36 | $59 |
| Allstate | $48 | $79 |
| Mile Auto | $52 | $86 |
| USAA | $60 | $99 |
| Nationwide | $76 | $125 |
| Mercury | $79 | $120 |
| Safeco | $92 | $141 |
| Progressive | $92 | $152 |
| Dairyland | $98 | $161 |
| Chubb | $102 | $168 |
| Clearcover | $112 | $185 |
| National General | $112 | $185 |
| 21st Century | $118 | $194 |
| Direct Auto | $119 | $196 |
| The General | $119 | $196 |
| Bristol West | $123 | $203 |
| Commonwealth Casualty | $124 | $204 |
| Elephant | $131 | $216 |
| GAINSCO | $151 | $249 |
| Liberty Mutual | $180 | $297 |
| Foremost | $203 | $335 |
| State Auto | $227 | $374 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance premiums tend to become more affordable as drivers reach age 25. But once you hit age 70, you may see rates start to climb. Fatal accident rates increase for drivers 70 and older, according to the Insurance Institute for Highway Safety.[4] The increased risk translates to higher insurance prices, underscoring the importance of shopping around for coverage.
Senior drivers in Lubbock pay average liability rates of $85 per month and full-coverage rates of $175 per month. Below are average monthly car insurance quotes for seniors in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $20 | $36 |
| GEICO | $23 | $43 |
| Allstate | $31 | $56 |
| Mile Auto | $31 | $63 |
| USAA | $39 | $72 |
| Nationwide | $42 | $77 |
| Progressive | $47 | $82 |
| Mercury | $52 | $89 |
| Chubb | $54 | $100 |
| Dairyland | $64 | $166 |
| National General | $68 | $142 |
| Safeco | $69 | $123 |
| 21st Century | $69 | $127 |
| Direct Auto | $74 | $141 |
| Bristol West | $81 | $172 |
| The General | $81 | $176 |
| Clearcover | $87 | $130 |
| Commonwealth Casualty | $88 | $242 |
| Elephant | $91 | $150 |
| GAINSCO | $114 | $244 |
| Liberty Mutual | $125 | $205 |
| State Auto | $127 | $234 |
| Foremost | $135 | $287 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: GEICO
It’s no secret that teen drivers pay higher car insurance rates than other drivers. Young drivers present a greater risk than other age groups due to a lack of experience behind the wheel and a higher probability of engaging in risky behavior when driving, especially when friends are in the car.[5]
On average, teen drivers in Lubbock pay $407 per month for full coverage and $197 per month for liability-only coverage.
But you aren’t doomed to pay sky-high insurance costs. A few strategies can help lower your rates, such as:
Staying on a parent’s insurance policy
Driving a safe car with advanced safety features
Maintaining good grades to qualify for a good student discount
Below are average insurance quotes for teens in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $60 | $113 |
| State Farm | $61 | $113 |
| Allstate | $89 | $163 |
| Mile Auto | $104 | $211 |
| USAA | $105 | $194 |
| Nationwide | $138 | $255 |
| Mercury | $145 | $248 |
| Dairyland | $165 | $427 |
| Progressive | $168 | $290 |
| Safeco | $184 | $328 |
| The General | $197 | $429 |
| Chubb | $203 | $373 |
| 21st Century | $208 | $385 |
| Clearcover | $214 | $321 |
| Bristol West | $216 | $462 |
| Elephant | $222 | $366 |
| Commonwealth Casualty | $223 | $615 |
| Direct Auto | $226 | $431 |
| National General | $229 | $474 |
| GAINSCO | $271 | $579 |
| Liberty Mutual | $322 | $531 |
| Foremost | $375 | $797 |
| State Auto | $420 | $772 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Lubbock car insurance quotes by credit tier
Lubbock car insurance companies can factor in your credit history when giving you a quote. Drivers with poor credit pay more for car insurance than drivers with excellent or good credit.[6] Here’s what drivers pay for car insurance in Lubbock based on their credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lubbock?
Car insurance rates can vary depending on a number of factors, including the ZIP code where you live. Insurance companies take into account the rate of car theft, frequency of accidents, and severity of weather conditions when determining insurance rates.
Unfortunately for Lubbock residents, car insurance is more expensive than the national average. It costs $164 per month, while the average U.S. driver pays a monthly premium of $154. But this is below the Texas average of $181 per month.
More cities in Texas
Lubbock isn’t the most expensive city for car insurance in Texas — Houston earns that title, with average rates much higher than Lubbock’s. You can find some of the cheapest premiums in El Paso, where drivers pay a bit less than in Lubbock.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Arlington | $126 | $248 |
| Austin | $131 | $241 |
| Dallas | $133 | $277 |
| El Paso | $97 | $202 |
| Fort Worth | $120 | $237 |
| Houston | $174 | $322 |
| Irving | $130 | $261 |
| Plano | $126 | $243 |
| San Antonio | $123 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lubbock car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Lubbock.
How much is car insurance in Lubbock?
Car insurance in Lubbock costs $164 per month, on average. Drivers pay an average of $221 per month for full-coverage insurance and $107 per month for liability coverage. Your unique rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
Which companies have the cheapest car insurance in Lubbock?
Lubbock drivers will find the cheapest rates with State Farm, which offers liability-only coverage as low as $34 per month. GEICO and Allstate are also good options for Lubbock motorists — they have liability rates as low as $36 and $48 per month, respectively.
What are the best car insurance companies in Lubbock?
State Farm is the best car insurance company in Lubbock, with an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Lubbock choices include Progressive and Allstate.
How much does car insurance cost per month in Texas?
Car insurance costs an average of $181 per month in Texas overall. Drivers pay $241 per month for full coverage and $120 for liability only, on average.
Can you avoid paying for car insurance in Texas?
No. Drivers must carry and pay for car insurance in Texas to drive legally.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Texas Department of Insurance. "Auto insurance guide."
- Lubbock Police. "2022 Annual Report."
- Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
- Insurance Institute for Highway Safety. "Older drivers."
- National Highway Traffic Safety Administration. "Teen Safe Driving: How Teens Can Be Safer Drivers."
- Texas Department of Insurance. "Credit Scoring and Insurance."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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