Cheapest Car Insurance Companies in Lubbock, Texas (2022)

State Farm is the cheapest car insurance company in Lubbock at $182 a month for full coverage. Compare quotes to get your best rate.

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Key Takeaways

  • State Farm is the cheapest car insurance company for most Lubbock drivers.
  • GEICO has the cheapest car insurance for young drivers and drivers with a DUI on their records.
  • USAA has the cheapest car insurance rates in Lubbock for members of the military and certain family members.

In this article

The cheapest car insurance companies in Lubbock, Texas

State Farm is the cheapest auto insurance company for most drivers in Lubbock, Texas, according to our survey of the city’s top providers. State Farm has the city’s cheapest rates for:

  • Adults with clean driving records
  • Adults with a speeding ticket or accident on their records
  • Senior drivers

GEICO has the cheapest car insurance rates in Lubbock for adult drivers with a DUI on their records and for young drivers.

USAA has Lubbock’s cheapest car insurance rates for all driver profiles and coverage amounts we studied, but only current or former members of the military, plus some relatives, can get coverage from USAA.

To find the best and cheapest rates for your needs, compare auto insurance quotes from several companies.

Texas car insurance minimums

Texas drivers in Lubbock and elsewhere in the state must have 30/60/25 car insurance at a minimum. This means all policies need at least:

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

State law also requires all Texas drivers to carry the same amounts of uninsured motorist coverage, though you can reject this when you buy a policy.

Cheapest minimum-coverage auto insurance rates in Lubbock: State Farm

State Farm has the cheapest car insurance for Lubbock drivers who want state-minimum coverage, with an average rate of $102 a month.

The average cost of minimum-coverage car insurance in Lubbock is $92 a month.

USAA’s average rate for minimum coverage is far below both State Farm’s and the city’s average rates, but only drivers with ties to the military qualify.

Insurance company Monthly rate
State Farm $102
GEICO $106
Allstate $108
USAA $52
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.

Minimum-coverage auto insurance matches the state’s requirements for liability coverage. Liability coverage doesn’t pay for your medical bills or vehicle repairs; it only pays for injuries and property damage you cause to others.

Cheapest full-coverage auto insurance rates in Lubbock: State Farm

State Farm offers the cheapest car insurance rates for Lubbock drivers who buy full-coverage policies at $182 a month, on average.

The average cost of full-coverage car insurance in Lubbock is $188 a month.

Insurance company Monthly rate
State Farm $182
GEICO $191
Allstate $261
USAA $120
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record.

Full-coverage car insurance usually includes collision and comprehensive coverages as well as liability. Although Texas law doesn’t require full coverage, you should consider getting it anyway if your vehicle is new or expensive. Otherwise, you might need to pay high out-of-pocket costs if you file a claim for damage done to your vehicle.

Compare car insurance rates from top companies

Cheapest car insurance for drivers with a prior incident

State Farm has the cheapest car insurance in Lubbock for drivers with a speeding ticket or accident on their records. GEICO has the city’s cheapest rates for drivers with a DUI.

Cheapest for drivers with a speeding ticket: State Farm

Lubbock drivers with a speeding ticket on their records will find the cheapest car insurance rates from State Farm at $230 a month.

This average rate is for full coverage, so if you buy less coverage, your rate should be lower, too.

Insurance company Monthly rate
State Farm $230
GEICO $230
Allstate $261
USAA $136
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.

Drivers in Lubbock with a speeding ticket pay 14% more for car insurance than do drivers with clean records, based on our data.

Cheapest for drivers with an at-fault accident: State Farm

State Farm offers the lowest car insurance rates to Lubbock drivers who have an at-fault accident on their records. State Farm charges an average rate of $256 a month in this situation.

Insurance company Monthly rate
State Farm $256
GEICO $287
Allstate $391
USAA $184
Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record.

Drivers with an accident on their records pay an average of 47% more for car insurance in Lubbock than they would with clean records.

Cheapest for drivers with a DUI: GEICO

GEICO has Lubbock’s cheapest auto insurance for drivers with a DUI on their records at an average cost of $320 a month. This is 68% higher than what GEICO charges drivers with a clean record.

Insurance company Monthly rate
GEICO $320
State Farm $335
Allstate $380
USAA $179
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record.

Cheapest car insurance for senior drivers: State Farm

State Farm has the cheapest car insurance for seniors in Lubbock, charging an average $168 a month for full coverage.

State Farm’s average rate for senior drivers is 11% lower than what it charges the city’s 35-year-old drivers.

Insurance company Monthly rate
State Farm $168
GEICO $179
Allstate $216
USAA $107
Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record.

Why do some Lubbock seniors pay less for car insurance than the city’s younger drivers? There are several possible reasons, with one being the seniors’ experience behind the wheel and another being that most of them drive less than their 35-year-old counterparts.

Get cheap auto insurance in Lubbock no matter your age

Cheapest car insurance for young drivers: GEICO

GEICO has the cheapest car insurance for young drivers in Lubbock, with an average rate of $205 a month for minimum coverage and $393 a month for full coverage.

Insurance company Minimum coverage Full coverage
GEICO $205 $393
Allstate $295 $756
State Farm $364 $647
USAA $98 $220
Rates are for an 18-year-old male with a clean driving record.

Young drivers who get their car insurance policies from GEICO pay about double what they’d pay if they were adults. This may sound like a lot, but it’s actually cheaper than what we’ve found in many other cities.

As for why these young drivers pay such high car insurance rates, it’s because they’re more likely to be involved in accidents than are older drivers.

Car insurance laws in Lubbock, Texas

SR-22 car insurance

Texas drivers need to file an SR-22 form with the state Department of Public Safety to reinstate their driver’s license after certain incidents, such as driving without insurance.

An SR-22 proves you’re carrying the minimum amount of car insurance the state requires, at least.

Your insurance provider should provide you with an SR-22 form, which you then fill out and submit to the state.

Lubbock car insurance FAQ

Who has the cheapest car insurance in Lubbock, Texas?

State Farm and GEICO have the cheapest car insurance for Lubbock drivers. State Farm has the cheapest rates for adults with clean records, charging $102 and $182 a month for minimum and full coverage, respectively.

State Farm also has the city’s cheapest rates for adults with a speeding ticket or accident on their records. GEICO has the cheapest rates for adults with a DUI on their records.

State Farm has the cheapest car insurance for Lubbock seniors, while GEICO has the cheapest rates for teen and young drivers.

What is the average cost of car insurance in Lubbock?

The average cost of car insurance in Lubbock is $140 a month. For minimum coverage, the average cost is $92 a month, while the average cost for full coverage is $188 a month.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Lubbock ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Texas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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