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Best Cheap Car Insurance in Lubbock – Bankrate.com

  • Attorney Daniel Albert

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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
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Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.
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According to the Texas Department of Motor Vehicles, there are over 244,000 vehicles registered in Lubbock, more than one car for every adult in the county. With such a large portion of the population getting behind the wheel every day, Lubbock’s roads aren’t always the safest. The Texas Department of Transportation recorded 6,680 countywide crashes in 2019, the ninth highest in the state.
Lubbock car owners need to be particularly careful of drunk drivers. The county consistently ranks among the highest per-capita DUI crashes not just in the state but in the country. In 2019 there were 296 crashes caused by drivers under the influence, resulting in 22 fatalities.
Even if you practice safe driving habits, there’s no way to completely avoid the risk of getting in an accident. This is where car insurance comes in. In Lubbock, drivers pay an average of $492 per year for Texas’s legal minimum coverage of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability.
But this state minimum coverage may be insufficient, particularly if you’re involved in an accident where the driver at fault doesn’t have enough insurance to cover your damages. A full coverage policy with more robust protection costs an average of $1,771 per year in Lubbock.
To get you started on shopping for the best car insurance in Lubbock, we’ve ranked the top five companies you should ask for a quote.
We chose the best car insurance companies in Lubbock based on an analysis of their price, coverage options, discounts and customer service. We asked each carrier for Lubbock car insurance quotes for both the state minimum coverage and a full coverage option. To gauge each company’s quality of service, we turned to customer satisfaction data from J.D. Power.
It’s hard to find a car insurance company in Lubbock with cheaper rates than Geico. At $377 per year for minimum coverage and $1,281 per year for full coverage, premiums are low no matter what type of policy you need. The company offers drivers plenty of ways to save, from safe driving rewards to bundling and multi-vehicle discounts.
Geico is also rated extremely well by Texas drivers, earning a score of 846 out of 1,000 in customer satisfaction from J.D. Power.
Another great option for Lubbock drivers, State Farm scores above the industry standard in customer service thanks to knowledgeable local agents. There are over 20 State Farm agents in Lubbock who can help you hand-select the exact coverage you need at a price you can afford.
In terms of pricing, State Farm’s full coverage policies are fairly affordable at an average premium of $1,367 per year. However, we found that minimum coverage was more expensive than competitors at $529 annually.
MetLife offers the cheapest car insurance in Lubbock for policies with minimum coverage. According to our quote, premiums are just $357 per year. However, full coverage is far more expensive than average at $2,128 annually.
To help you learn safe driving habits and avoid crashes on Lubbock’s perilous roads, MetLife offers the My Journey program, an app that tracks your time behind the wheel and offers suggestions for improvement. You’ll get an instant 25% discount just for signing up and a discount of up to 30% on future policy renewals according to your safe driving score.
With impressively low rates and endless positive feedback from customers, auto insurance from USAA almost sounds too good to be true – but it’s not, as long as you qualify. Current and former military personnel and their families can get coverage through USAA by becoming a member online. (Don’t worry, it’s free.) Benefits include bundling options with other types of insurance, such as homeowners and renters policies, and unique military-friendly benefits.
USAA is rated number one for customer satisfaction in Texas by J.D. Power. Rates average $364 per year for minimum coverage and $1,440 for full coverage.
Allstate is a great option for reasonably priced full coverage in Lubbock with a few extra perks. Rates for minimum coverage are a bit higher than average with Allstate, although not by much.
Safe driving bonuses are awarded by Allstate for every six-month period you go without filing a claim. If you purchase collision insurance, Allstate’s Deductible Rewards program is an optional coverage that reduces this deductible by $100 up front and an additional $100 for every claim-free year.
Car insurance quotes in Lubbock are pretty standard for the state of Texas. Rates for minimum coverage are slightly cheaper than the statewide average of $524 per year, while full coverage costs a little less than the $1,823 most Texans pay.
Overall, one of the cheapest options for car insurance in Lubbock is found with MetLife, which averages $357 per year for minimum coverage. One of the options for the lowest rate for full coverage comes from Geico at $1,281 per year.
Drivers in Lubbock are required by law to carry the Texas state minimum insurance requirements:
If you have a loan on your car, the lender will probably also require you to purchase collision and comprehensive coverage.
By default, all auto insurance policies issued in Texas include uninsured/underinsured motorist coverage and personal injury protection (PIP). Since these coverages aren’t required by law, you can ask the insurance company not to include them. But both can help pay your bills if another driver hits you and doesn’t have enough insurance to cover your and your passengers’ expenses.
Most Lubbock car insurance companies give drivers the opportunity to save with a variety of discounts, such as:
The best car insurance company in Lubbock depends largely on your own personal needs and identifying factors. Your car insurance rates will vary based on your age, location, credit score, gender and more – and the coverages available vary from provider to provider. To find the best car insurance company for you, shop around and get quotes from various providers.
The average cost of car insurance in Lubbock is $492 per year for minimum coverage and $1,771 for full coverage. However, you may be able to get a better rate by shopping around.
Lubbock drivers are required to carry at least $30,000 per person/$60,000 per accident in bodily injury liability and $25,000 in property damage liability in accordance with Texas state law. Insurers will automatically offer you uninsured/underinsured motorist coverage and personal injury protection (PIP), both highly recommended coverages. If you have a lease on your vehicle, you’ll probably also need to buy collision and comprehensive coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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1 Comment

  • Hairstyles

    7 June, 2022 - 8:56 am

    Nice blog here! Also your site loads up very fast! What host are you using? Can I get your affiliate link to your host? I wish my website loaded up as fast as yours lol

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