Buy Cheap Lubbock, TX Auto Insurance

The Lubbock, TX auto insurance rates are on average around $3,935. The cheapest auto insurance company in Lubbock, TX is USAA which is available only to those affiliated with the military, State Farm offers the next cheapest rates, although rates will vary for each person. Lubbock, TX auto insurance must meet the state minimum requirements with coverage levels of 30/60/25 for liability and property damage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The average annual auto insurance rate for Lubbock, TX is $3,935
  • The cheapest auto insurance company in Lubbock, TX is USAA, and the second-cheapest is State Farm
  • Lubbock, TX rates are affected by the traffic that is shared with Shallowater, Idalou, Wolfforth, and Slaton
  • The average commute time for Lubbock is 21 min

Lubbock, TX auto insurance rates are, on average, very close to the state average.

You can save on Lubbock, Texas auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap auto insurance in Lubbock, TX for every age, credit history, and driving record.

Ready to find affordable Lubbock, TX auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Lubbock, TX?

The cheapest auto insurance company in Lubbock, based on average rates, is Nationwide.

The top auto insurance companies in Lubbock, TX, ranked from cheapest to most expensive are:

  • USAA — $2,739
  • State Farm — $2,925
  • GEICO — $3,263
  • Nationwide — $3,602
  • American Family — $4,716
  • Progressive — $4,725
  • Allstate — $5,578

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What auto insurance coverage is required in Lubbock, TX?

All Lubbock drivers have to meet the Texas state law minimum requirements to buy auto insurance.

In Texas, you have to carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Lubbock, TX?

Lubbock is the 11th-largest city in Texas. Let’s take a look at how Lubbock auto insurance rates compare to other cities in Texas. The average cost of auto insurance in Texas is $3,835, and Lubbock rates are about $100 more per year.

Since cities in Texas are so spread apart, it’s more valuable to make comparisons to rates of cities that surround a larger city; therefore, we’ve included the four cities from which many people are commuting in order to get to work in Lubbock.

It appears that auto insurance is the cheapest in Wolfforth compared to the other three cities that surround Lubbock.

Weslaco, TX — $5,453 (most expensive)
Shallowater, TX — $3,817
Idalou, TX — $3,723
Lubbock, TX — $3,935
Wolfforth, TX — $3,670
Slaton, TX — $3,766
Grape Creek, TX — $3,158 (cheapest)

INRIX ranks Lubbock as the 270th-most congested city in the U.S. Lubbock is surrounded by four other cities that all bring traffic into the city, and traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Lubbock is 15.6 minutes.

Car theft also affects rates. The FBI’s most recent annual statistics don’t report car thefts for Lubbock; however, a city with a similar population as Lubbock (Irving) reports 711 car thefts in a city population of 242,062. That’s a rate of 294 cars stolen per 100,000 population.

Lubbock, TX Auto Insurance: The Bottom Line

Lubbock has about the same rates as the state average when compared to other cities of its size in Texas, but you can still save by shopping around and comparing.

Before you buy auto insurance in Lubbock, TX, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Lubbock, TX auto insurance quotes.

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