The best car insurance in Lubbock, TX

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published October 29, 2021

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The average car insurance policy in Lubbock costs $1,805 per year, lower than the average cost of car insurance in Texas overall, which is $1,840. Premiums in the Lone Star state are slightly higher than the national average for several reasons, including the population density and a high number of accidents. But luckily, many insurance carriers in Lubbock offer average insurance rates that are below the state’s average.

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If you’re ready to shop for car insurance, Policygenius can help. We can help you get quotes from the top insurers in Lubbock, and our insurance experts can answer all of your insurance questions.

Key Takeaways

  • Texas Farm Bureau offers the cheapest car insurance in Lubbock, with an average rate of $1,082

  • Redpoint County Mutual and State Farm have the lowest rates for Lubbock drivers with bad credit, on average

  • Texas drivers are required to carry at least $30,000 per person and $60,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage

Cheapest car insurance companies in Lubbock, TX

When setting car insurance rates, companies consider many factors, including your location, age, driving history, and more. And while all companies rely on the same basic factors, they each use their own formulas to set their rates. As a result, one driver can get very different quotes from one carrier to the next. As you can see below, Texas Farm Bureau has the cheapest insurance rates in Lubbock, followed by State Farm.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,082

--

State Farm

$1,160

881

Germania Insurance

$1,274

--

GEICO

$1,403

871

Nationwide

$1,634

876

Cheapest car insurance rates by ZIP code in Lubbock, TX

The ZIP code where you live can play an important role in your car insurance rates. Certain ZIP codes may have more uninsured drivers, higher crime rates, or more accidents that cause insurance companies to consider them higher-risk. As a result, customers in those ZIP codes are likely to pay higher premiums. On the other hand, customers in ZIP codes that insurers deem to be safer will likely pay lower insurance rates. Below is a breakdown of the average insurance cost in each Lubbock ZIP code.

ZIP code

Average cost

79401

$1,815

79402

$2,011

79403

$1,852

79404

$1,852

79406

$1,815

79407

$1,742

79409

$1,786

79410

$1,755

Choosing the right car insurance company in Lubbock, TX

With so many insurance companies to choose from, it can be difficult to find the right one for you. Shopping around for insurance is even more important in Texas, where insurances tend to be above the national average. Policygenius can help you get insurance quotes and find the most affordable insurance plan with the best coverage.

Car insurance rates for drivers with driving violations in Lubbock, TX

Your driving history is one of the most important factors that insurance companies consider when setting your insurance rates. Having a driving violation such as a car accident or a speeding ticket on your record can significantly increase your rates. And as you can see in the chart below, certain offenses will increase your premiums more than others. The good news is that these violations only remain on your driving record for a certain number of years. And once they fall off, you are likely to see your rate go back down.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Nationwide

At-fault Accident

$1,842

$1,402

$1,751

$2,202

$2,784

DUI

$4,558

$1,903

$2,949

$2,415

$3,534

Driving with a suspended license

$1,877

$1,652

$2,350

$2,415

$2,188

Driving with an open container

$4,558

$1,803

$1,367

$2,415

$2,188

Driving with expired registration

$1,177

$1,177

$1,367

$1,682

$2,188

Driving without Lights

$1,177

$1,177

$1,367

$1,682

$2,188

Failure to show documents

$1,177

$1,177

$1,367

$1,682

$2,188

Failure to stop at a red light

$1,177

$1,177

$1,367

$1,682

$2,188

Cheapest car insurance for drivers with bad credit in Lubbock, TX

Depending on where you live, your credit score can be an important factor in determining your insurance rates. Insurance companies generally consider drivers with poor credit to be higher-risk, and therefore they charge them higher insurance rates. Unfortunately, Texas is one of those states where insurance companies can consider a driver’s credit score when setting their insurance rates. But certain information is off-limits, including medical bills sent to collections and credit checks related to insurance coverage.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$2,414

State Farm

$2,429

Germania Insurance

$2,516

Nationwide

$2,601

Auto Club Group

$2,622

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Buying car insurance in Lubbock, TX

Like most states, Texas requires drivers to carry a minimum amount of car insurance. Drivers in the state must carry the following liability insurance coverages:

  • Bodily injury liability coverage of at least $30,000 per person and $60,000 per accident

  • Property damage liability coverage of at least $25,000

Texas is not a no-fault insurance state. As a result, whichever driver is found to be at fault in an accident is financially responsible for any damages to both people and property. The liability coverage the state requires is designed to cover a driver’s liabilities in case they cause an accident.

Drivers who are caught without insurance coverage can be subject to a fine between $175 and $350 for their first offense. And for second and subsequent offenses, you could have your vehicle impounded for up to 180 days and be responsible for the impoundment fees. Additionally, you’ll have to prove that you have insurance before getting your car back.

In addition to liability insurance, Texas requires all insurance companies to provide uninsured and underinsured motorist coverage. These coverages are automatically included in all policies, but you don’t have to accept them. You can tell your insurance company in writing that you want this coverage removed from your policy.

How to get cheap car insurance in Lubbock, TX

Since Texas drivers pay higher insurance rates than much of the country, you may be looking for strategies to help lower your rate. Here are some ways to help you get cheap car insurance in Lubbock:

  • Shop around for quotes: Policygenius can help you get quotes from the top providers in Lubbock to ensure you’re getting the best coverage at the best rate.

  • Drive safely: As we mentioned, having violations on your driving record will increase your insurance rates. Driving safely and keeping a clean driving record can ensure you get the best rate available.

  • Raise your deductible: As your deductible increases, your premium usually decreases. Increasing your policy deductible is one of the quickest ways to save.

  • Look for discounts: Insurance companies offer discounts to help you save on car insurance. Common discounts are for bundled policies, vehicle safety features, and more.

Frequently asked questions

How much does car insurance cost in Lubbock?

The average car insurance rate in Lubbock is $1,805, less than the average car insurance rate in Texas, which is $1,840.

Who has the cheapest car insurance in Lubbock?

Texas Farm Bureau has the cheapest car insurance in Lubbock, with an average rate of $1,082. State Farm is close behind with an average rate of $1,160.

What factors affect my car insurance rate?

Factors that affect your car insurance rates include your age, gender, location, coverage amount, driving history, credit score, driving frequency, and more.

Does Texas require drivers to have car insurance?

Yes, drivers in Texas must carry at least $30,000 per person and $60,000 per accident of bodily insurance liability coverage at $25,000 of property damage liability coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.