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.
Best car insurance companies in Lubbock
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.
|Insurance Company||J.D. Power Score||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|Geico||846 / 1000||$377||$1,281|
|State Farm||844 / 1000||$529||$1,367|
|USAA||878 / 1000||$384||$1,440|
|Allstate||832 / 1000||$510||$1,635|
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.
Cheapest car insurance in Lubbock
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.
|Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
Lubbock insurance requirements
Drivers in Lubbock are required by law to carry the Texas state minimum insurance requirements:
- $30,000 per person
- $60,000 per accident in bodily injury liability
- $25,000 in property damage liability
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.
Car insurance discounts in Lubbock
Most Lubbock car insurance companies give drivers the opportunity to save with a variety of discounts, such as:
- Policy bundling discounts
- Multi-vehicle discounts
- Safe driving discounts
- Good student discounts
- Military discounts
Frequently asked questions
What is the best car insurance company?
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.
How much does car insurance in Lubbock cost?
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.
How much car insurance do I need in Lubbock?
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:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
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.