Lubbock, TX Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Lubbock.
How much does car insurance cost in Lubbock?
Paying for car insurance in Lubbock might feel pricey for some drivers, with average rates of $993 every six months or $166 per month. However, these rates are right on par with the Texas state average (also $993) and are lower than other large cities in the region. But the prices in Lubbock are higher than the national average of $880, and our survey found that 38% of our customers are paying too much for car insurance coverage in Lubbock.
According to our 2023 data, GEICO is currently offering rates that are nearly 32% lower than the industry standard, with a six-month policy costing only $674. Whether you're happy with your current insurance company, interested in shopping around, or eager to learn more about car insurance in Lubbock, The Zebra can be your guide. We'll examine how factors such as age, credit history, and location can impact your rates and provide tips for ensuring that you obtain the best possible deal.
| Car Insurance in Lubbock vs. Texas | Avg. 6 Mo. Premium |
|---|---|
| Lubbock average | $993 |
| Texas Average | $993 |
The cheapest car insurance companies in Lubbock
GEICO is the cheapest at $112 per month or $674 for a six-month policy.
The next most affordable on our list is Nationwide. On average, a Nationwide policy in Lubbock costs $764 per six-month policy.
Rounding out our list is State Farm, which costs $130 per month ($781 for a six-month policy period).
The Zebra's key takeaways about car insurance in Lubbock:
- The average cost of a car insurance policy in Lubbock is $993 per six-month policy — $166 per month.
- The cheapest company in Lubbock is GEICO ($674).
- Lubbock is fairly affordable compared to other cities in the region and boasts rates equal to the Texas average rate.
- 38% of Zebra customers in Lubbock stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Lubbock car insurance rates by company
The cheapest car insurance company for full coverage in Lubbock, as per our data for 2023, is GEICO. Their rates are $112 per month or $674 per six-month policy. Nationwide, on the other hand, is the second cheapest insurance company, with rates of $127 per month or $764 for a six-month policy.
The Zebra's Customer Satisfaction Survey can provide you with information on top-rated car insurance companies.Â
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Cheapest car insurance companies in Lubbock, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $674 |
| Nationwide | $764 |
| State Farm | $781 |
| Texas Farm Bureau | $851 |
| USAA | $955 |
| Allstate | $1,332 |
| Progressive | $1,378 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
With so many car insurance options available, it can be overwhelming to find the best policy for your needs. Our comparison tool simplifies the process by allowing you to easily compare rates from top insurers such as GEICO, Nationwide, Allstate, and Liberty Mutual, among others. By entering your ZIP code, you can find the most affordable and comprehensive car insurance in Lubbock with just a few clicks.
Average car insurance in Lubbock by rating factor
The determination of individual rates for car insurance by insurance companies is based on a variety of rating factors that each driver has. These rating factors are details about drivers that establish the level of risk they represent as insured drivers. Age, gender, location, credit score, and other factors may be among these rating factors. While most companies utilize the same rating factors, the degree to which they impact your premium may differ.
It is crucial to understand that some rating factors may vary over time, therefore, the most appropriate car insurance provider for you may also vary. Obtaining new quotes periodically is an excellent way to determine if you are still receiving the best rates.
Q: I didn't have an accident — Why is my insurance going up?
A: In Lubbock, car insurance premiums are influenced by numerous factors, including end-of-year earnings, which compare the revenue generated by premiums to the cost of covering insureds’ claims. Even if you are a model driver with no accidents on your record, you could still face higher rates from a specific insurer due to increased operational costs in your vicinity.
Auto insurance premiums by age in Lubbock
When it comes to auto insurance, age is a crucial factor that determines the rates you pay. Teen drivers, and their parents, may be taken aback by the fact that their premiums are considerably higher than those of other age groups. Insurers have compiled data that shows that teens have a higher accident rate, and, as a result, they face the highest car insurance costs in many areas. The higher expenses enable insurance firms to offset the cost of claims.
In Lubbock, the average difference in premium rates between teen drivers and those in their 20s is $3,240 annually for new policies. While it may not seem entirely justified, it is not personal. Insurers aim to protect against the risk posed by inexperienced drivers, and as you mature and become more experienced, your premiums will begin to even out.
Cheapest car insurance companies for teen drivers in Lubbock, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| Texas Farm Bureau | $1,590 |
| GEICO | $1,673 |
| USAA | $1,986 |
| State Farm | $2,614 |
| Nationwide | $2,751 |
| Allstate | $5,509 |
| Progressive | $5,851 |
| Age Bracket | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | GEICO | $827 |
| 30s | GEICO | $734 |
| 40s | Nationwide | $721 |
| 50s | GEICO | $647 |
| 60s | Texas Farm Bureau | $641 |
| 70s | Texas Farm Bureau | $685 |
Zebra Tip:Â The cheapest companies for Lubbock drivers between 20-40 are GEICO, Texas Farm Bureau and Nationwide
Our research indicates that most drivers in Lubbock are between the ages of 20 and 40. The average payment made by drivers in this age range is $1,133 every six months. However, they can potentially reduce this amount by up to 24% by choosing one of these companies.
Auto insurance premiums for minimum coverage in Lubbock
Car insurance options vary in terms of both cost and coverage. Understanding your current policy and how it affects your rates is essential for reducing expenses. We know that carrying minimum coverage can be less expensive than comprehensive coverage but could leave you vulnerable if you are underinsured.
When leasing or financing a vehicle, most lending associations stipulate that "full coverage" insurance is required. "Full coverage" consists of either collision coverage or comprehensive coverage, each of which demands a deductible and increases your premiums. However, they provide the most comprehensive level of protection. One perk of a deductible is that you can often adjust it slightly to save money on a monthly basis since deductibles and rates are inversely related. Keep this in mind if you want more coverage but also need to keep to a budget.
In addition to full coverage, you can also choose to add roadside assistance or uninsured motorist coverage, which can protect you from uninsured drivers. Even though these options come at a cost, The Zebra's experts still recommend having them for an additional layer of protection in case of an incident.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
According to our data analysis, 54% of Lubbock's drivers have leased vehicles. If you're not leasing or financing your car, it's essential to consider whether you need comprehensive or collision coverage. We recommend using Kelley Blue Book or another reputable source to determine your vehicle's actual cash value. Typically, if your car is worth less than $4,000, collision coverage may not be necessary. However, remember that dropping these coverages means you'll be responsible for covering any repair costs out of pocket.
Cheapest car insurance companies for minimum coverage in Lubbock, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $242 |
| USAA | $282 |
| Allstate | $315 |
| Texas Farm Bureau | $333 |
| State Farm | $364 |
| Nationwide | $391 |
| Progressive | $432 |
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
47% of our customers in Lubbock opt for the basic level of coverage, but this may not be the best option for everyone. When you're trying to save money, carrying state minimum coverage is an obvious solution. But it does leave you at risk for damages that exceed your liability limits, so be sure to consider if it will provide enough coverage in the long run. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for straightforward incidents, it may not be for accidents involving multiple vehicles and injuries.
Learn more about insurance laws in Texas.
Lubbock car insurance rates by credit score
In most states, including Texas, credit score plays a crucial role in determining premiums for auto insurance. Credit score is factored into the calculation of premiums for a few reasons. Analysis of historical data indicates that individuals with lower credit scores are more likely to file claims, have gaps in coverage, and engage in reckless driving behavior. As bad credit is associated with an increased level of risk, the lower your credit score, the higher your premium will be.
In Lubbock, drivers with poor credit (300-579) pay 108% more for car insurance than those with excellent credit (800-850), our research shows. Our data also indicate that most drivers in Lubbock have an "Average" credit score. For the year , we recommend GEICO as the most affordable insurance provider for Lubbock drivers in this credit range.
Cheapest car insurance companies for bad credit in Lubbock, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $1,051 |
| Nationwide | $1,175 |
| State Farm | $1,610 |
| Texas Farm Bureau | $1,622 |
| USAA | $1,914 |
| Allstate | $2,026 |
| Progressive | $2,423 |
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
Lubbock drivers with "Poor" credit are paying $988 more in car insurance each year than drivers with "Fair" credit, according to our data. If you've recently paid off a loan or taken other steps to improve your credit, you may be able to save on your car insurance by checking your preferred credit monitoring software.
Auto insurance rates with an at-fault accident
Insurance claims are most frequently caused by at-fault and collision-type incidents. An at-fault accident in 2023 resulted in Lubbock's average car insurance rates increasing from $39 to $96 per month. State Farm is the most inexpensive option for car insurance in Lubbock following an at-fault accident.
Keeping a clean driving record is the best way to keep your auto insurance rates affordable, regardless of where you live. Your insurance premiums can be impacted by various factors, such as reckless driving charges, DUIs and DWIs, speeding citations, and at-fault accidents. Depending on the type of citation or accident, your premium may be impacted for three to five years. Generally, at-fault accidents and speeding tickets will remain on your record for three to five years, while DUIs and DWIs may continue to affect your premiums for a more extended period.
Cheapest car insurance companies after an at-fault accident in Lubbock, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $943 |
| GEICO | $976 |
| Nationwide | $1,247 |
| Texas Farm Bureau | $1,334 |
| USAA | $1,434 |
| Progressive | $1,933 |
| Allstate | $2,041 |
Lubbock car insurance rates by violation
Below you can see how much specific violations and claims will increase your rate in Lubbock.
Car insurance rate increases after violations and citations in Lubbock, TX
Why is car insurance in Lubbock so expensive?
Although Lubbock car insurance costs less than larger cities in Texas, such as Houston or Dallas, it can still feel expensive at times. This is due to multiple factors. One of the main reasons is the high cost of living in cities (overall, not just Lubbock), which leads insurance companies to charge more to cover their expenses. However, other variables such as credit history, driving record, and coverage level also play a crucial role in determining insurance rates. Below, we will explore why auto insurance is costly in Lubbock, regardless of your driving profile.
Most cities have experienced an increased cost of living for residents over the past few years, which generally means an increased cost of doing business for auto insurers. Insurance companies have to pass on their increased costs to consumers, which means rate increases.Â
Car insurance premiums in Lubbock are significantly influenced by the area you call home. Alongside your driving past and credit standing, the place you reside emerges as a key determinant in the cost of your coverage. Insurance companies assess the risks associated with your location and adjust your auto insurance rates accordingly. Living in a neighborhood with higher crime rates may result in a higher auto insurance premium compared to someone living in a safer location.
Expensive Lubbock ZIP codes: 79402, 79404, 79430, 79403, 79411
Cheap Lubbock ZIP codes:Â 79424, 79413, 79410, 79414, 79423
Certain climates or regions that have hurricanes, frequent flooding or experience regular natural disasters will increase the risk for insurance companies, resulting in higher premiums. Weather-related damage is covered under comprehensive coverage, so if you are concerned about possible damage we definitely recommend you carry this as part of your policy in Lubbock. Texas actually experienced 160 tornadoes and ranked first in hailstorms by state in 2022, so it is worth considering. [1]
Lubbock's roads are often congested with vehicles, making accidents an unfortunate reality. The expenses linked to these accidents are generally shifted to other drivers in the area through an increase in insurance premiums, regardless of their driving abilities or accident history. The results of our research indicate that 62% of drivers in Lubbock are insured, but that also means that the other 38% aren't. If you are involved in a collision with an uninsured driver in Lubbock, you may be left to cover the costs yourself. In areas where there is a high prevalence of uninsured drivers, it's advisable to have uninsured motorist coverage (UMP) in your auto insurance policy.
Zebra Tip: Use your comprehensive coverage to protect your vehicle against wildfires
Damage caused by weather-related events is covered under comprehensive coverage. If you're worried about wildfires, flooding or other weather-related events damaging your vehicle, consider if this coverage is right for you.
Bundling insurance policies in Lubbock
Even though car insurance premiums might be climbing nationwide, there's no need to despair, as methods to cut costs still exist. When you're on the hunt for a new vehicle insurance policy, mull over the idea of bundling it with your current home or renters insurance. This tactic can often result in a noteworthy price cut — you could potentially save 10% or more on your combined premiums. Delve deeper into the concept of bundling home and auto insurance coverage.
If you've got separate insurance for your home and car, it's smart to see if bundling them can save you some cash. In lots of situations, the advantages make the work worth it.
Cheapest car insurance companies for bundling home and auto insurance in Lubbock, TX
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $631 |
| State Farm | $655 |
| Nationwide | $688 |
| Texas Farm Bureau | $775 |
| USAA | $874 |
| Allstate | $1,112 |
| Progressive | $1,164 |
While it may be true that certain factors are out of your control, there are still measures that drivers can implement to improve their profile for insurance providers. Our biggest recommendation is to conduct research and compare auto insurance quotes from multiple companies to guarantee that you are receiving the most cost-effective rate that satisfies your coverage and service needs. This is particularly crucial if you have experienced any changes in your personal circumstances, such as a move, a birthday, or an improvement in your credit rating. Remember that some insurers may be pricier than others, and switching providers is a viable option.
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Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.