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Lubbock Car Insurance

How much does car insurance cost in Lubbock, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Lubbock?

Lubbock, Texas is responsible for more than 80 percent of the total wine grape production in Texas, putting Texas on the map as a big wine destination.

English Newsom Cellars at Caprock Winery, operating since 1988, is the state’s most prestigious vineyard. It is internationally acclaimed and on the same par as the vineyards in countries like France and Italy. English Newsom Cellars uses only the highest quality grapes and are in full control of production, meaning they know and oversee the process of how their wine is being produced and bottled. Not only do they offer tours and wine tasting events they also pair it with other fun events such as ‘wine and yoga’ and ‘wine down with Wednesday charcuterie boards’.

A great place to learn about the history of wind energy is at Lubbock's American Wind Power Center, the largest windmill museum in the world. The museum was created by Billy Wolfe, an economics teacher who photographed, researched, and dedicated three decades of her life into the preservation of windmills. She did this with the end goal to open a museum so their cultural importance can be appreciated. Now, it houses more than 170 fully restored windmills for the public to enjoy and learn.

If you’re interested in learning about the ever-evolving world, the Museum of Texas Tech University is one of the best places to do so. It was built to be an educational, scientific and cultural research facility that puts on display a collection of five million objects, artifacts and tools that are related to the arts, humanities, history and natural sciences.

The Moody Planetarium, located just a short distance away from the museum, lets you travel through the galaxy to learn more about space with short films like ‘birth of the solar system’ and ‘cowboy astronomer’, as well and laser shows with themes like ‘laser Beatles’ and ‘laser Metallica’.

If you’re paying for auto insurance, you might as well be paying the best rate offered to you. SmartFinancial can help you find the best rate and compare it to hundreds of companies available in your area.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Lubbock typically pay around $101.70 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
Lubbock, Texas $101.70

Lubbock, TX Best Car Insurance Companies

car insurance in Lubbock

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Lubbock coming in around $93.44 per month. Other companies to consider if you live in Lubbock is State Farm with an average cost of $94.92 per month and Clearcover which typically runs around $96.36 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Lubbock.

RankCompanyAverage Monthly RateComparison State Average
1 Direct Auto $93.44-19.27%
2 State Farm $94.92-17.99%
3 Clearcover $96.36-16.74%
4 Texas Farm Bureau Group $102.93-11.06%
5 USAA $111.83-3.37%
6 Kemper Auto Premium $149.3329.03%
7 National General $157.5436.12%
8 Esurance $163.4341.21%
9 Dairyland $163.7841.51%
10 Mercury $164.4442.08%

How Much is Car Insurance in Lubbock, TX?

how much is auto insurance in Lubbock

Rates can vary from city to city. The residents of Austin typically pay $113.26 per month while people who live in Dallas will pay $118.53 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.26
Dallas $118.53
El Paso $106.93
Houston $137.59
Lubbock $101.87
San Antonio $118.68

Cheap Car Insurance in Lubbock by Zip Codes

find cheap auto insurance in Lubbock

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Lubbock, TX ZIP CodeAverage Monthly Rate
79401$102.75
79403$100.86
79404$106.92
79406$155.92
79407$99.58
79408$109.01
79410$105.07
79411$102.65
79412$100.93
79413$103.32
79414$96.44
79415$95.49
79416$101.24
79423$100.09
79424$114.34
79493$62.56

Car Insurance Rates by Driver's Age Group in Lubbock

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $220.15 per month in Lubbock. Compare that to drivers in their 30’s who typically pay around $88.54 per month drivers in their 40s at $83.50 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$220.15
20s$126.67
30s$88.54
40s$83.50
50s$79.07
60s$75.54
70+$89.03

Cheapest Insurance for Teenage Drivers in Lubbock

If you are teen in Lubbock you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Texas Farm Bureau Group typically charges around $152.50 per month. This is likely the most affordable option in Lubbock. You might also want to consider State Farm and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$152.50
State Farm$168.85
USAA$195.46
Direct Auto$204.40
Encompass$342.38

Cheapest Insurance for 20 Year-olds in Lubbock

20 year-olds in Lubbock might want to consider Direct Auto who, on average, offers car insurance rates around $110.90 per month. Clearcover , State Farm , USAA and Texas Farm Bureau Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$110.90
Clearcover$122.95
State Farm$129.67
USAA$143.43
Texas Farm Bureau Group$148.25

Cheapest Insurance for 30 Year-olds in Lubbock

If you are in your 30s in Lubbock our research has found that Direct Auto typically has the most affordable coverage coming in around $79.78 per month, followed by State Farm at $87.93 and Texas Farm Bureau Group at $88.22.

CompanyAverage Monthly Rate
Direct Auto$79.78
State Farm$87.93
Texas Farm Bureau Group$88.22
Clearcover$100.33
USAA$111.98

Cheapest Insurance for 40 Year-olds in Lubbock

On average, Direct Auto offers car insurance for 40 year-olds in Lubbock for around $68.93 per month. If you are looking for affordable coverage, you may also want to consider State Farm or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$68.93
State Farm$77.66
USAA$89.38
Clearcover$90.33
Texas Farm Bureau Group$90.51

Cheapest Insurance for 50 Year-olds in Lubbock

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Lubbock we found that Direct Auto generally offers the most affordable coverage at $69.49 per month.

CompanyAverage Monthly Rate
Direct Auto$69.49
State Farm$73.30
Clearcover$74.66
Texas Farm Bureau Group$76.95
USAA$84.20

Cheapest Insurance for 60 Year-olds in Lubbock

If you live in Lubbock and you’re in your 60s, our data indicates that State Farm usually has the best rates at $63.56 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$63.56
Texas Farm Bureau Group$69.44
Direct Auto$72.34
USAA$80.67
Clearcover$81.24

Driver's Coverage Auto Insurance Rates in Lubbock, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Lubbock, the average monthly rate for a driver who is currently insured is $98.39 while drivers who are not currently covered will pay around $103.78.

CoverageAverage Monthly Rate
Not Currently Insured $103.78
Currently Insured $98.39

Compare Recent Car Insurance Quotes in Lubbock

auto insurance quotes in Lubbock city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Lubbock a driver of a 2006 Chevrolet Tahoe can expect to pay around $104.53 per month while someone that owns a 2006 Chevrolet Tahoe may pay around $114.27 per month. Check out the list of recent quotes in Lubbock below.

VehicleAverage Monthly Rate
2006 Chevrolet Tahoe$104.53
2006 Chevrolet Tahoe$114.27
2006 Chevrolet Tahoe$88.53
2006 Chevrolet Tahoe$91.30
2015 Chrysler 200$139.79
2015 Chrysler 200$169.47
2015 Chrysler 200$177.07
2015 Chrysler 200$164.52
2020 GMC Sierra$92.84
2020 Kia Optima$103.35

FAQ's for Drivers in Lubbock, TX

driver’s frequently asked question in Lubbock

What Is the Minimum Liability Coverage Requirement in Lubbock, TX?

Every state requires drivers to have a minimum amount of liability coverage. Texas drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $30,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $60,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $25,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Texas, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Texas is a “no-fault” state, drivers are financially responsible for any accidents they cause. Consider this: $30,000 is the maximum payment for property damage but you collide with a $40,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $30,000. And, other drivers can sue you for those damages. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

What Is the Blood Alcohol Concentration (BAC) limit in Lubbock, TX?

It is illegal for an individual to operate a motor vehicle in Texas with the following BAC percentages:

.08%+ @ 21 years old or older

.04%+ for commercial vehicle drivers

.01%+ @ < 21 years old

Can I use my digital insurance card in Texas?

Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

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Commute Time in Lubbock, TX

16.4 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Lubbock, TX

68

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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