Cheapest Car Insurance Quotes In Lubbock, TX For 2024

State Farm is the most affordable choice in Lubbock, with an average monthly rate of $28.

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Updated: 31 March 2024
Written by
Bob Phillips
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When searching for the most economical car insurance in Lubbock, Texas, you’ll find a range of options, but one company distinguishes itself with competitive prices: State Farm. On average, residents can obtain car insurance for approximately $28 per month, significantly below the state’s average of $125.

For individuals seeking the most affordable liability-only coverage, State Farm is the top choice. Similarly, drivers in need of comprehensive protection discover that State Farm provides the most competitive rates for full coverage policies, priced at $68 monthly. Additionally, State Farm offers the most budget-friendly rates for young drivers, starting at $145 per month.

Cheapest Car Insurance Companies In Lubbock, TX

Cheapest Car Insurance, Lubbock, TX

Our Methodology

Using a thorough analysis that considers aspects like customer service ratings, available products, pricing, and reviews from multiple online sources, I've developed a detailed understanding of the car insurance market in Lubbock, TX. This perspective is grounded in over 15 years of direct involvement in the industry as a licensed insurance agent. Through numerous interactions with representatives from different companies and firsthand experiences, I've gained valuable insights into the nuances of car insurance in the area.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Lubbock, TX?

State Farm provides the most affordable car insurance in Lubbock, TX, with coverage available for $116 per month.

Comparatively, its rates are notably lower than the average rates in both Texas and the entire United States, as illustrated in the table below:

Area Average Monthly Rate
National $143
Texas $125
Lubbock, TX $116

It’s important to note that the national average cost considers a wide range of states with varying costs, including high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates for car insurance can differ based on several factors, including the type of vehicle, coverage amount, zip code, driving history, and more. Therefore, actual rates may vary significantly depending on your specific location and circumstances.

Cheapest Car Insurance Rates In Lubbock For Teenagers

In Lubbock, teenage drivers can obtain the most affordable quotes from Nationwide, with average monthly premiums priced at $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Car insurance premiums for teenage drivers are typically the highest among all age groups. This is primarily attributed to their lack of experience on the road. Insurance companies classify young drivers as high-risk individuals because statistically, they are more likely to be involved in accidents and traffic violations.

Cheapest Car Insurance Rates In Lubbock For Full Coverage

State Farm offers the most affordable full coverage car insurance rates, averaging $68 per month in Lubbock.

Provider Average Monthly Cost Average Annual Cost
Progressive $244 $2,924
GEICO $108 $1,294
Farm Bureau $86 $1,030
Allstate $238 $2,854
State Farm $68 $814

Full coverage car insurance extends beyond the basic coverage required by law, combining comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Lubbock For Young Adults

State Farm provides the most budget-friendly quotes for young adults in Lubbock, with rates averaging around $145 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $145 $1,740
Nationwide $175 $2,100
Mercury $210 $2,520
Allstate $264 $3,119
Travelers $278 $3,214

In Texas, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risky behaviors as drivers mature.

Statistically, young adults are less likely to make claims with insurance companies, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Lubbock For Minimum Coverage

State Farm offers the most affordable minimum coverage car insurance in Lubbock, with an average monthly cost of $28.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $75 $898
Texas Farm Bureau $37 $442
State Farm $28 $334
Allstate $65 $778

In Texas, the minimum car insurance policy should include at least the following coverages:

  • $25,000 property damage liability per accident
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident

Having minimum car insurance offers some protection while driving, covering liability for injuries and property damage caused to others. However, it lacks collision or comprehensive insurance, leaving your own vehicle unprotected in accidents, theft, or natural disasters.

Driving without insurance is illegal in Texas, and failing to provide proof of insurance during a traffic stop can lead to penalties such as fines, license suspension, or other consequences.

Cheapest Car Insurance Rates In Lubbock For Seniors

Texas Farm Bureau offers the most affordable car insurance rates for seniors in Lubbock, with average quotes around $38 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $38 $456
GEICO $62 $744
State Farm $47 $564
Mercury $70 $840
Allstate $55 $660

In Texas, seniors may often encounter advantageous car insurance rates, influenced by various beneficial factors. While age usually plays a role in determining insurance rates, it’s important to note that older age isn’t always synonymous with diminished driving ability.

Cheapest Car Insurance Rates In Lubbock For Good Drivers

State Farm offers the most affordable car insurance quotes for good drivers in Lubbock, priced at around $28 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $33 $417
Progressive $75 $898
Texas Farm Bureau $37 $442
State Farm $28 $334
Allstate $65 $778

Drivers with clean driving records in Lubbock usually benefit from lower car insurance rates because they’re seen as lower risk. Insurance companies use driving records to assess how safely someone drives. Fewer incidents like accidents or traffic violations indicate cautious driving behavior and a reduced likelihood of filing a claim.

Insurance rates are determined based on the probability of a driver making a claim. Therefore, a pristine driving record can result in substantial savings on premiums. It all comes down to risk assessment: the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Lubbock For Drivers With Prior Incidents

In Lubbock, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, frequently encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.

As a result, insurance providers raise their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Lubbock For Drivers With A Speeding Ticket

State Farm stands out for its affordability compared to other companies, offering average rates of $47 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $47 $590
Mercury $100 $1,208
Geico $79 $964
Allstate $64 $776
Progressive $140 $1,703

Cheapest Car Insurance Rates In Lubbock For Drivers With An At-Fault Accident

State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, with an average rate of $59 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $59 $731
Chubb $160 $1,954
GEICO $93 $1,135
Progressive $175 $2,126
Allstate $100 $1,209

Cheapest Car Insurance Rates In Lubbock For Drivers After A DUI

State Farm is the company with the most budget-friendly rates for drivers following a DUI. They provide average monthly premiums of $87 for drivers in Lubbock.

Provider Average Monthly Cost Average Annual Cost
State Farm $87 $1,070
Chubb $213 $2,561
Progressive $128 $1,565
Geico $113 $1,372
Allstate $104 $1,275

Best Car Insurance Companies In Lubbock

When selecting a car insurance company in Lubbock, drivers prioritize both affordable rates and dependable coverage. Below are the top 10 car insurance companies in Lubbock, TX, ranked by the average monthly rate they offer.

Company Monthly Premium
Texas Farm Bureau $78
Clearcover $150
USAA $117
Direct Auto $85
Mercury $115
Kemper $147
SafeAuto $127
State Farm $97
Mercury $147
Nationwide $140

Average Car Insurance Rates By Age In Lubbock

Age Average Yearly Rate
Teenagers $3,185
20s $1,992
30s $1,236
40s $1,176
50s $1,080
60s $960
70s $1,212

Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach the age of 25, their rates typically begin to decline, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a measure of driving experience and risk potential, adjusting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Lubbock

Vehicle Average Monthly Rate
Ford F150 $74
Mitsubishi Mirage $168
Hyundai Elantra $74
Chevrolet Impala $198
Chevrolet Cruze $175

The type of vehicle you drive plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those that are less expensive to repair or replace may attract lower premiums. Insurers consider these factors because they directly impact the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Sherman $108
Beaumont $127
Arlington $130
Laredo $150
El Paso $122
Fort Worth $123
Baytown $140
Irving $135
Alpine $118

The city where you live has a notable influence on your car insurance rates. Insurance companies evaluate several factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Lubbock?

State Farm provides the lowest car insurance rates in Lubbock for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Lubbock?

The average cost of car insurance in Lubbock is approximately $116 per month. However, rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other variables.

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