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Beth Swanson

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Kristine Lee

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Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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
Updated: 12/07/23.

The cheapest car insurance companies in Lubbock

1st place medal
1st place: GEICO

GEICO is the cheapest at $112 per month or $674 for a six-month policy.

2nd place medal
2nd place: Nationwide

The next most affordable on our list is Nationwide. On average, a Nationwide policy in Lubbock costs $764 per six-month policy.

3rd place medal
3rd place: State Farm

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?

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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

 

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
Updated: 12/07/23.

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.

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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
Updated: 12/07/23.
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: 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
Updated: 12/07/23.
  • 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.

car insurance in Lubbock by credit score
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
Updated: 12/07/23.

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
Updated: 12/07/23.

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
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $993 0% $0
One Med/PIP claim $1,002 1% $9
One comp claim $1,055 6% $62
Not-at-fault accident $1,057 6% $64
Failure to show documents $1,063 7% $69
Driving with expired registration $1,071 8% $78
Two Med/PIP claims $1,075 8% $81
Failure to wear a seat belt $1,076 8% $83
Driving without lights $1,077 8% $83
Child safety restraint $1,083 9% $90
Texting while driving $1,101 11% $108
Cell phone violation $1,101 11% $108
Speeding 6 - 10 MPH over limit $1,105 11% $111
Speeding 16 - 20 MPH over limit $1,105 11% $111
Speeding 11 - 15 MPH over limit $1,105 11% $111
Driving too slowly $1,109 12% $116
Speeding in school zone $1,109 12% $116
Failure to stop at a red light $1,111 12% $118
In 65 MPH zone $1,111 12% $118
Improper passing $1,114 12% $121
Speeding 21 - 25 MPH over limit $1,115 12% $122
Two comp claims $1,115 12% $122
Wrong way/wrong lane $1,117 12% $124
Failure to yield $1,119 13% $126
Illegal turn $1,119 13% $126
Following too closely $1,121 13% $128
Passing school bus $1,126 13% $133
Operating a vehicle without permission $1,132 14% $139
At-fault accident - less than $1000 $1,227 24% $234
Driving with a suspended license $1,385 39% $392
Racing $1,392 40% $399
Reckless driving $1,412 42% $419
Leaving scene of an accident/hit and run $1,434 44% $440
Open container $1,441 45% $447
At-fault accident - $1000-$2000 $1,565 58% $572
At-fault accident - greater than $2000 $1,571 58% $577
Refusal to submit to a chemical test $1,614 62% $620
DUI $1,631 64% $638
Updated: 12/07/23.

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.

costs
Business costs

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. 

location
Location

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: 79424, 79413, 79410, 79414, 79423

weather
Weather

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]

drivers
Drivers

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.

bundling home and auto insurance in Lubbock
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
Updated: 12/07/23.

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.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

The average for a six-month auto insurance policy in Lubbock is $993 for a six-month policy or $166 per month. This is more expensive than the national average but in line with the Texas state average rate.

GEICO is the carrier with the cheapest rates in Lubbock, coming in at an average of $674 per six-month policy.

Teenagers in Lubbock pay $2,884 for a six-month policy or $481 per month. Because car insurance is so expensive for teen drivers who have their own policy, we recommend that young drivers be added to their parents' policies to significantly bring down the cost.


Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Lubbock, TX


Recently answered questions about car insurance in Lubbock from real Zebra customers

Car insurance near me in Lubbock

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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.