Best Cheap Auto Insurance in Lubbock, TX (2021)

The average Lubbock, TX auto insurance rates are $328 per month. The minimum auto insurance in Lubbock is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lubbock, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Lubbock is 16.6 minutes
  • The most expensive auto insurance company in Lubbock for teen drivers is Progressive
  • The cheapest auto insurance company in Lubbock is USAA

Lubbock, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Lubbock can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lubbock, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Lubbock to other Texas cities, including Laredo auto insurance rates, San Antonio auto insurance rates, and El Paso auto insurance rates to see how Lubbock, Texas auto insurance rates stack up.

Before you buy Lubbock, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lubbock, Texas auto insurance quotes.

Minimum Auto Insurance in Lubbock, Texas

Lubbock, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lubbock, Texas.

Minimum Required Auto Insurance Coverage in Lubbock, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Lubbock, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lubbock, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lubbock, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,663 $3,709 $3,621 $3,621 $9,381 $11,363 $4,530 $4,739
American Family $2,881 $3,201 $2,654 $3,037 $7,432 $9,743 $4,103 $4,674
GEICO $2,436 $2,618 $2,321 $2,620 $5,312 $5,512 $2,640 $2,643
Nationwide $2,278 $2,322 $2,011 $2,135 $6,343 $8,174 $2,664 $2,888
Progressive $2,603 $2,499 $2,291 $2,349 $10,313 $11,499 $3,094 $3,155
State Farm $2,032 $2,032 $1,812 $1,812 $4,929 $6,291 $2,214 $2,279
USAA $1,773 $1,802 $1,684 $1,696 $4,760 $5,236 $2,373 $2,583

Cheap Lubbock, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lubbock, Texas is a challenge. Take a look at the annual teen auto insurance rates in Lubbock, Texas.

Annual Auto Insurance Rates for Teen Drivers in Lubbock, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,381 $11,363
American Family $7,432 $9,743
GEICO $5,312 $5,512
Nationwide $6,343 $8,174
Progressive $10,313 $11,499
State Farm $4,929 $6,291
USAA $4,760 $5,236

Cheap Lubbock, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Lubbock, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lubbock, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,621 $3,621
American Family $2,654 $3,037
GEICO $2,321 $2,620
Nationwide $2,011 $2,135
Progressive $2,291 $2,349
State Farm $1,812 $1,812
USAA $1,684 $1,696

Cheap Lubbock, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lubbock, Texas compared to the annual auto insurance rates with a clean record in Lubbock, Texas.

Annual Lubbock, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,390 $6,640 $6,892 $4,390
American Family $4,303 $5,463 $4,793 $4,303
GEICO $2,768 $3,644 $3,068 $3,572
Nationwide $3,120 $3,120 $4,640 $3,529
Progressive $4,124 $5,283 $4,831 $4,662
State Farm $2,592 $2,982 $3,534 $2,592
USAA $2,054 $3,006 $3,535 $2,359

Cheap Lubbock, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lubbock, Texas is not easy. Compare the annual rates for DUI auto insurance in Lubbock, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Lubbock, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,892
American Family $4,793
GEICO $3,068
Nationwide $4,640
Progressive $4,831
State Farm $3,534
USAA $3,535

Cheap Lubbock, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lubbock, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lubbock, Texas

Insurance Company Poor Fair Good
Allstate $7,114 $5,189 $4,432
American Family $6,504 $4,082 $3,561
GEICO $5,036 $2,851 $1,902
Nationwide $4,324 $3,465 $3,017
Progressive $5,364 $4,583 $4,228
State Farm $4,142 $2,578 $2,055
USAA $4,056 $2,310 $1,849

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Cheap Lubbock, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lubbock, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Lubbock, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lubbock, Texas

ZIP Code Average Annual Rates
79401 $5,699
79402 $6,504
79403 $5,819
79404 $5,833
79406 $5,589
79407 $5,318
79409 $5,836
79410 $5,412
79411 $5,724
79412 $5,717
79413 $5,385
79414 $5,407
79415 $5,758
79416 $5,408
79423 $5,380
79424 $5,275
79430 $7,733

Cheap Lubbock, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Lubbock, Texas auto insurance. Find the cheapest annual Lubbock, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lubbock, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,449 $5,707
American Family $4,716 $4,716
GEICO $3,200 $3,326
Nationwide $3,602 $3,602
Progressive $4,725 $4,725
State Farm $2,925 $2,925
USAA $2,703 $2,774

Cheap Lubbock, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lubbock, Texas? Check out the comparison of annual Lubbock, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lubbock, Texas

Insurance Company Low Medium High
Allstate $5,445 $5,528 $5,761
American Family $4,400 $4,549 $5,198
GEICO $3,101 $3,227 $3,461
Nationwide $3,886 $3,447 $3,473
Progressive $4,509 $4,703 $4,963
State Farm $2,768 $2,917 $3,090
USAA $2,653 $2,729 $2,834

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Best By Category: Cheapest Auto Insurance in Lubbock, Texas

Compare the cheapest auto insurance companies in Lubbock, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lubbock, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Lubbock, Texas Auto Insurance Companies

What auto insurance companies in Lubbock, Texas are the cheapest? Compare the top Lubbock, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lubbock, Texas

Insurance Company Average Annual Rates
Allstate $5,578
American Family $4,716
GEICO $3,263
Nationwide $3,602
Progressive $4,725
State Farm $2,925
USAA $2,739

What affects auto insurance rates in Lubbock, Texas?

There are a lot of reasons why auto insurance rates in Lubbock, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lubbock, Texas. Many local factors may affect your Lubbock auto insurance rates.

Lubbock Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lubbock, Texas auto theft statistics, there have been 1,203 auto thefts in the city.

Lubbock Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lubbock, Texas commute length is 16.6 minutes according to City-Data.

Lubbock Traffic

How does Lubbock, Texas rank for traffic? According to Inrix Lubbock, Texas is the 951st most congested worldwide.

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Compare Lubbock, Texas Auto Insurance Quotes

Before you buy Lubbock, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lubbock, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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