Cheapest Car Insurance In Lubbock, TX 2026
Texas Farm Bureau offers the cheapest liability-only car insurance in Lubbock, with an average rate of $42 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Lubbock, TX, the options can vary greatly.
For those seeking the cheapest liability-only coverage, Texas Farm Bureau emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that State Farm offers the best rates for full coverage policies. While State Farm offers the cheapest car insurance rates for young drivers.
Key Takeaways
Lubbock’s cheapest liability-only car insurance company is Texas Farm Bureau.
Car insurance in Lubbock costs an average of $106 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Lubbock – Texas Farm Bureau
Texas Farm Bureau is the cheapest car insurance company for minimum coverage car insurance in Lubbock, with an average monthly cost of $42.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $61 | $732 |
| GEICO | $57 | $684 |
| State Farm | $44 | $528 |
| Texas Farm Bureau | $42 | $504 |
| USAA | $49 | $588 |
Cheapest Full Coverage Insurance In Lubbock – State Farm
State Farm has the cheapest car insurance rates for full coverage. Their quotes average $97 a month in Lubbock.
The table below compares average auto insurance quotes from affordable insurers in Lubbock.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $127 | $1,524 |
| GEICO | $111 | $1,332 |
| Mile Auto | $118 | $1,416 |
| State Farm | $97 | $1,164 |
| Texas Farm Bureau | $101 | $1,212 |
Cheapest Car Insurance For Senior Drivers – GEICO
GEICO offers the cheapest car insurance policy for seniors in Lubbock, at an average rate of $88 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $92 | $1,104 |
| Farmers | $95 | $1,140 |
| GEICO | $88 | $1,056 |
| Progressive | $97 | $1,164 |
| State Farm | $90 | $1,080 |
Cheapest Car Insurance In Lubbock For Teenagers – State Farm
Teenage drivers in Lubbock can find the cheapest quotes from State Farm, with average monthly premiums of $246.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $267 | $3,204 |
| GEICO | $253 | $3,036 |
| Nationwide | $278 | $3,336 |
| Progressive | $285 | $3,420 |
| State Farm | $246 | $2,952 |
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Cheapest Car Insurance In Lubbock After A Speeding Ticket – Texas Farm Bureau
Texas Farm Bureau offers the cheapest car insurance in Lubbock, with average rates of $115 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $137 | $1,644 |
| GEICO | $123 | $1,476 |
| Nationwide | $131 | $1,572 |
| State Farm | $118 | $1,416 |
| Texas Farm Bureau | $115 | $1,380 |
Cheapest For Drivers With After At-Fault Accident – State Farm
State Farm offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $113 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $136 | $1,632 |
| GEICO | $120 | $1,440 |
| Nationwide | $128 | $1,536 |
| Progressive | $140 | $1,680 |
| State Farm | $113 | $1,356 |
Cheapest Rates In Lubbock For Drivers After A DUI – Texas Farm Bureau
Texas Farm Bureau offers the cheapest rates for drivers after a DUI in Lubbock, with average monthly premiums of $127.
Drivers in Lubbock with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $141 | $1,692 |
| Dairyland | $157 | $1,884 |
| Progressive | $164 | $1,968 |
| State Farm | $135 | $1,620 |
| Texas Farm Bureau | $127 | $1,524 |
Best Car Insurance Companies In Lubbock
Drivers in Lubbock can find the most affordable insurance with USAA for $135 a month. Lubbock drivers might want to also consider GEICO at $140 a month, or State Farm at $147 per month.
Shown below are the top 10 car insurance companies in Lubbock, TX, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $163 |
| Dairyland | $170 |
| Farmers Insurance | $158 |
| GEICO | $140 |
| Liberty Mutual | $175 |
| Nationwide | $152 |
| Progressive | $161 |
| State Farm | $147 |
| Travelers | $156 |
| USAA | $135 |
Average Car Insurance Cost In Lubbock
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Lubbock is $106 per month, compared to the Texas state average of $169, and the national average of $169 per month.
| Area | Average Monthly Rate |
| National | $171 |
| Texas | $169 |
| Lubbock | $106 |
Average Auto Insurance Rates In Lubbock – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $5,438 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $5,438 |
| 20s | $2,274 |
| 30s | $2,035 |
| 40s | $1,955 |
| 50s | $1,876 |
| 60s | $1,796 |
| 70s | $1,936 |
Average Car Insurance Rates In Lubbock – By Vehicle
The type of vehicle you own 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, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Lubbock for different vehicles.
| Vehicle | Average Monthly Rate |
| Ford Escape | $157 |
| Honda Accord | $151 |
| Hyundai Elantra | $146 |
| Subaru Forester | $153 |
| Tesla Model 3 | $188 |
Find Affordable Lubbock Rates
Average Cost Of Auto Insurance In Lubbock – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Lubbock.
| Zip Code | Average Monthly Rate |
| 79423 | $147 |
| 79401 | $154 |
| 79407 | $150 |
| 79415 | $158 |
| 79410 | $152 |
How Much Is Car Insurance In Other Cities In Texas?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Dallas can expect to pay around $165 per month for car insurance, while residents of Wichita pay an average rate of $140 per month.
| City | Average Monthly Rate |
| Abilene | $141 |
| Amarillo | $144 |
| Arlington | $157 |
| Austin | $161 |
| Beaumont | $149 |
| Baytown | $147 |
| Brownsville | $153 |
| Mckinney | $151 |
| Dallas | $165 |
| Alpine | $148 |
| El Paso | $146 |
| Fort Worth | $159 |
| Victoria | $152 |
| San Angelo | $156 |
| Temple | $155 |
| Houston | $167 |
| Irving | $154 |
| Killeen | $145 |
| Laredo | $150 |
| Longview | $149 |
| Bryan | $155 |
| Midland | $142 |
| Odessa | $143 |
| Pasadena | $153 |
| Plano | $151 |
| McAllen | $158 |
| Sherman | $152 |
| Tyler | $148 |
| San Antonio | $158 |
| Wichita | $140 |
FAQs
Who has the lowest car insurance rates in Lubbock?
The lowest car insurance rates in Lubbock are offered by Texas Farm Bureau for the minimum coverage required by the State of Texas and State Farm for 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 about $106 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Lubbock, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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