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Home » Car insurance » Texas » Cheap Car Insurance Lubbock

Cheap Car Insurance in Lubbock

Lowest Premium

$327 / YEAR

Average Premium

$541 / YEAR

Highest Premium

$1000 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Lubbock is around $541 and can go upto $1000. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Lubbock by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Lubbock. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Scroll inside this box to view all zip codes

ZipAvg. Premium
79401$519
79402$579
79403$521
79404$512
79406$554
79407$511
79409$539
79410$502
79412$506
79413$497
79415$522
79423$503
79424$491
79430$566

Insurance Agents in Lubbock, TX and Near by

Agents by ZIP code:
  • 0 mi
    Grimes Insurance Agency
    1651 Broadway, Lubbock, TX 79401
    (806) 762-0544
  • 0 mi
    Rick Rosas
    2400 Glenna Goodacre Blvd Ste 106d, Lubbock, TX 79401
    (806) 776-3276
  • 0 mi
    Alan Henry Insurance Agency
    1730 19th St, Lubbock, TX 79401
    (806) 763-6427
  • 0 mi
    J E Murfee & Son
    1310 Texas Ave, Lubbock, TX 79401
    (806) 763-5311
  • 0 mi
    Lisa Caldwell
    2418 19th St, Lubbock, TX 79401
    (806) 799-1628
  • 1.29 mi
    Acceptance Auto Insurance
    2801 Avenue Q, Lubbock, TX 79411
    (806) 749-2800
  • 1.29 mi
    All Write Insurance Agency
    2413 20th St, Lubbock, TX 79411
    (806) 763-2886
  • 1.29 mi
    Charles Short Insurance Agency
    2415 20th St, Lubbock, TX 79411
    (806) 763-4409
  • 1.29 mi
    Autopartners Insurance Agency
    1711 34th St, Lubbock, TX 79411
    (806) 749-7200
  • 1.29 mi
    All Quote Insurance
    1956 34th St, Lubbock, TX 79411
    (806) 712-3060
  • 1.29 mi
    Fransan Insurance Services
    1310 34th St, Lubbock, TX 79411
    (806) 747-9560
  • 1.29 mi
    Roddy Simmons Jr
    2124 34th St, Lubbock, TX 79411
    (806) 747-5759
  • 1.29 mi
    David Jeter
    2221 34th St, Lubbock, TX 79411
    (806) 763-0055
  • 1.29 mi
    Greg Pittman
    2221 34th St, Lubbock, TX 79411
    (806) 747-2821
  • 10.19 mi
    Maeker Insurance Agency
    360 Us Highway 87, Lubbock, TX 79423
    (806) 924-7241
  • 10.19 mi
    Victor Rodriguez
    2026 82nd St Unit 103, Lubbock, TX 79423
    (806) 783-0831
  • 10.19 mi
    Joe Schoenig
    13041 Quaker Ave, Lubbock, TX 79423
    (806) 745-7777
  • 10.19 mi
    Tommy Potts
    13041 Quaker Ave, Lubbock, TX 79423
    (806) 794-8830
  • 10.19 mi
    Kevin Watson
    13033 Quaker Ave Ste B, Lubbock, TX 79423
    (806) 797-3329
  • 10.19 mi
    Kenna Green
    10309 Indiana Ave, Lubbock, TX 79423
    (806) 783-9448
  • 10.19 mi
    Dennis Stotts
    2819 74th St, Lubbock, TX 79423
    (806) 745-9013
  • 10.19 mi
    Nelson Insurance Group
    3417 73rd St, Lubbock, TX 79423
    (806) 407-2511
  • 10.19 mi
    Hershel Spears
    2710 82nd St, Lubbock, TX 79423
    (806) 792-2244
  • 10.19 mi
    Carlton Freeman
    2738 82nd St, Lubbock, TX 79423
    (806) 745-1181
  • 10.19 mi
    Alliance Insurance Agency
    3307 82nd St, Lubbock, TX 79423
    (806) 792-0135
  • 10.19 mi
    Gary Hatchett
    3323 82nd St, Lubbock, TX 79423
    (806) 793-2421
  • 10.19 mi
    Lowdermilk Insurance Agency
    3408 82nd St, Lubbock, TX 79423
    (806) 788-1343
  • 10.19 mi
    Scott Powell
    8208 Indiana Ave, Lubbock, TX 79423
    (806) 793-2855
  • 10.19 mi
    Tim Moneymaker
    8212 Ithaca Ave Ste C, Lubbock, TX 79423
    (806) 796-3834
  • 10.19 mi
    Texas American Insurers
    8200 Nahville Ave Ste 204, Lubbock, TX 79423
    (806) 445-0222
  • 10.19 mi
    Liberty Mutual Agency
    4010 82nd St Ste 255, Lubbock, TX 79423
    (806) 788-1187
  • 10.19 mi
    Doug Townsend
    3901 84th St, Lubbock, TX 79423
    (806) 698-1611
  • 10.19 mi
    Joey Cooper
    4101 84th St Ste A, Lubbock, TX 79423
    (806) 783-0845
  • 10.19 mi
    Stan Cribbs
    4101 84th St Ste A, Lubbock, TX 79423
    (806) 783-0700
  • 10.19 mi
    Rebecca Egert
    9810 Indiana Ave Ste 120, Lubbock, TX 79423
    (806) 795-4344
  • 10.19 mi
    Cowan Hill Bond Agency
    9810 Indiana Ave Ste 160, Lubbock, TX 79423
    (806) 722-2663
  • 10.19 mi
    Brent Hatchett
    4202 98th St Ste 101, Lubbock, TX 79423
    (806) 794-3956
  • 13.23 mi
    Mark Jennings
    6301 19th St Ste 4, Lubbock, TX 79407
    (806) 792-4432
  • 13.23 mi
    Nichole Forman
    1901 West Loop 289 Ste 4a3, Lubbock, TX 79407
    (806) 796-1000
  • 2.62 mi
    Margarita Gomez
    3206 34th St Ste B, Lubbock, TX 79410
    (806) 791-2892
  • 2.62 mi
    Alan Henry Insurance Agency
    3407 19th St, Lubbock, TX 79410
    (806) 792-3771
  • 2.62 mi
    Edwards & Abernathie
    3407 19th St, Lubbock, TX 79410
    (806) 792-5166
  • 2.62 mi
    Sims-Perrin Insurance Agency
    3302 34th St, Lubbock, TX 79410
    (806) 795-4301
  • 2.62 mi
    Acceptance Auto Insurance
    4509 34th St, Lubbock, TX 79410
    (806) 796-1158
  • 2.96 mi
    Silveus Insurance Group
    15 Briercroft Office Park, Lubbock, TX 79412
    (866) 791-1598
  • 2.96 mi
    Budget Insurance
    3904 Avenue Q, Lubbock, TX 79412
    (806) 687-3800
  • 2.96 mi
    Statewide Insurance
    4114 Avenue Q, Lubbock, TX 79412
    (806) 741-0441
  • 2.96 mi
    James F Dunn Jr
    4120 Avenue Q, Lubbock, TX 79412
    (806) 747-3404
  • 2.96 mi
    Area Insurance Associates
    4202 Avenue Q, Lubbock, TX 79412
    (806) 747-2400
  • 2.96 mi
    Cam Fannin Insurance
    1810 50th St, Lubbock, TX 79412
    (806) 747-4422
  • 2.96 mi
    Randy Calderon
    1314 50th St, Lubbock, TX 79412
    (806) 722-0303
  • 2.96 mi
    Rc Calderon
    1314 50th St, Lubbock, TX 79412
    (806) 741-1515
  • 2.96 mi
    Russell Donaway
    2321 50th St Ste C, Lubbock, TX 79412
    (806) 799-4600
  • 3.55 mi
    Tommy Reece
    3114 50th St, Lubbock, TX 79413
    (806) 793-0646
  • 3.55 mi
    A-Max Auto Insurance
    3207 50th St Ste A, Lubbock, TX 79413
    (806) 795-8000
  • 3.55 mi
    Roger Alan Wilcox
    3225 50th St Ste A2, Lubbock, TX 79413
    (806) 799-0052
  • 3.55 mi
    Circle Insurance Agency
    6520 University Ave Spc 3, Lubbock, TX 79413
    (806) 797-4131
  • 3.55 mi
    Nelda Jett
    3833 50th St Ste 5, Lubbock, TX 79413
    (806) 793-2857
  • 3.55 mi
    Maria Valeriano Insurance Agency
    4210 50th St Ste A, Lubbock, TX 79413
    (806) 780-6622
  • 3.55 mi
    Lynn Alexander
    3302 64th St Ste C, Lubbock, TX 79413
    (806) 799-8891
  • 4.76 mi
    Elroy Carson
    3602 Slide Rd Ste B7, Lubbock, TX 79414
    (806) 794-2461
  • 4.76 mi
    Jim White
    4518 50th St, Lubbock, TX 79414
    (806) 792-4416
  • 4.76 mi
    Goosehead Insurance - Jai Fulford
    4815 50th St Unit C, Lubbock, TX 79414
    (806) 776-0554
  • 4.76 mi
    Eddie Wilt
    5008 50th St, Lubbock, TX 79414
    (806) 795-8040
  • 4.76 mi
    Quisenberry & Associates
    4601 66th St, Lubbock, TX 79414
    (806) 793-8773
  • 4.76 mi
    Hettler Insurance Agency
    4432 S Loop 289, Lubbock, TX 79414
    (806) 798-7800
  • 4.76 mi
    Matt Griffin
    6603 Utica Ave Ste 101, Lubbock, TX 79414
    (806) 793-8698
  • 4.76 mi
    Wayne Lawley
    6603 Utica Ave Ste 102, Lubbock, TX 79414
    (806) 798-8787
  • 4.76 mi
    Johnny Vestal
    6603 Utica Ave Ste 103, Lubbock, TX 79414
    (806) 783-9990
  • 4.76 mi
    James Welch
    5313 50th St Ste C2, Lubbock, TX 79414
    (806) 783-0290
  • 6.18 mi
    Veronica Zuniga
    517 E Stanford St, Lubbock, TX 79403
    (806) 702-4918
  • 7.29 mi
    Peter Griffith - State Farm Insurance
    409 Frankford Ave, Lubbock, TX 79416
    (806) 785-4456
  • 7.29 mi
    Patrick Bailey
    5409 4th St Unit F, Lubbock, TX 79416
    (806) 792-3044
  • 7.29 mi
    Jason Grisham
    1102 Slide Rd Spc 33, Lubbock, TX 79416
    (806) 793-3101
  • 8.17 mi
    AAA Insurance Underwriters
    311 N University Ave, Lubbock, TX 79415
    (806) 762-2201
  • 8.17 mi
    Budget Insurance
    2508 Auburn St Ste B, Lubbock, TX 79415
    (806) 749-8600
  • 8.17 mi
    A-Max Auto Insurance
    112 N University Ave Ste 106, Lubbock, TX 79415
    (806) 762-2000
  • 9.65 mi
    Dahlmer Insurance Solutions
    7412 82nd St Ste C, Lubbock, TX 79424
    (806) 771-0203
  • 9.65 mi
    Insurance Partners
    7335 82nd St Ste 4, Lubbock, TX 79424
    (806) 866-4247
  • 9.65 mi
    Danny Sellers
    7302 82nd St Ste 11, Lubbock, TX 79424
    (806) 866-2702
  • 9.65 mi
    Daniel Enabnit
    8605 Milwaukee Ave Ste 101, Lubbock, TX 79424
    (806) 783-8940
  • 9.65 mi
    Weston Taylor
    8605 Milwaukee Ave Ste 103, Lubbock, TX 79424
    (806) 783-8735
  • 9.65 mi
    Texas Insurance Partners
    7021 Kewanee Ave Bldg 2 Ste 102, Lubbock, TX 79424
    (806) 771-9692
  • 9.65 mi
    Tammi McAda
    7021 Kewanee Ave Unit 3102, Lubbock, TX 79424
    (806) 793-2858
  • 9.65 mi
    Ashmore & Associates Insurance Agency
    6102 82nd St Ste 6, Lubbock, TX 79424
    (806) 771-4368
  • 9.65 mi
    Marvin Grimes
    6102 82nd St Unit 3b, Lubbock, TX 79424
    (806) 797-2607
  • 9.65 mi
    Jules Minne
    10210 Frankford Ave Ste 200, Lubbock, TX 79424
    (806) 783-9519
  • 9.65 mi
    Pirkle Weir Insurance Agency
    10210 Frankford Ave Ste 130, Lubbock, TX 79424
    (806) 368-7340
  • 9.65 mi
    Berger & Associates Insurance Agency
    6308 Iola Ave Unit 105, Lubbock, TX 79424
    (806) 472-4739
  • 9.65 mi
    Dick Phillips
    5740 82nd St, Lubbock, TX 79424
    (806) 799-4651
  • 9.65 mi
    Jane Phillips
    5740 82nd St, Lubbock, TX 79424
    (806) 798-1395
  • 9.65 mi
    Lowdermilk General Agency
    5914 130th St Ste 207, Lubbock, TX 79424
    (806) 589-5463
  • 9.65 mi
    Mike Fox
    5910 130th St Ste 101, Lubbock, TX 79424
    (806) 701-5234
  • 9.65 mi
    The Shropshire Agency
    5812 66th St, Lubbock, TX 79424
    (806) 763-7311
  • 9.65 mi
    Michael Berg
    5811 64th St Unit A, Lubbock, TX 79424
    (806) 794-2584
  • 9.65 mi
    Kizer Insurance
    5717 66th St Ste 110, Lubbock, TX 79424
    (806) 748-5619
  • 9.65 mi
    Holmes Insurance Agency
    5717 66th St Ste 110, Lubbock, TX 79424
    (806) 748-5453
  • 9.65 mi
    Keith Potts Insurance Agency, Inc.
    6110 Frankford Ave Ste A, Lubbock, TX 79424
    (806) 794-5084
  • 9.65 mi
    Rhett Richardson
    13413 County Road 1800 Unit D, Lubbock, TX 79424
    (806) 783-9998
  • 9.65 mi
    Sanford & Tatum Insurance Agency
    5241 98th St, Lubbock, TX 79424
    (806) 792-5564
  • 9.65 mi
    David Tate Insurance Agency
    5233 79th St, Lubbock, TX 79424
    (806) 794-1177
  • 9.65 mi
    Aycock & Fowler Insurance Agency
    9816 Slide Rd Ste 302, Lubbock, TX 79424
    (806) 798-2700
  • 9.65 mi
    Chris Jasper
    7021 Kewanee Ave Unit 9101, Lubbock, TX 79424
    (806) 783-0262
  • 9.65 mi
    Goosehead Insurance - Shannon Young
    12002 Trafalgar Ave Ste 304, Lubbock, TX 79424
    (806) 500-2785
  • 9.65 mi
    Texas Farm Bureau Insurance
    10615 Quaker Ave, Lubbock, TX 79424
    (806) 747-5271
  • 9.65 mi
    John Michael Vestal
    10101 Slide Rd Ste 500, Lubbock, TX 79424
    (806) 794-5526
  • 9.65 mi
    Willcoxon Insurance Agency
    4601 S Loop 289 Ste 7, Lubbock, TX 79424
    (806) 763-4005
  • 9.65 mi
    Nannette Adkins
    4407 71st St, Lubbock, TX 79424
    (806) 793-9766
  • 9.65 mi
    Paul Willems
    4747 S Loop 289 Ste 140, Lubbock, TX 79424
    (806) 771-2526
  • 9.65 mi
    Chris Prather
    4412 74th St Ste F101, Lubbock, TX 79424
    (806) 792-3331
  • 9.65 mi
    J B Mann Insurance Agency
    5121 69th St Ste A104, Lubbock, TX 79424
    (806) 794-3008
  • 9.65 mi
    Melissa Lawrence
    5121 69th St Ste 101, Lubbock, TX 79424
    (806) 239-0911
  • 9.65 mi
    Scott Fillingim
    5121 69th St Ste A123, Lubbock, TX 79424
    (806) 794-5537
  • 9.65 mi
    Ana Borrego
    8001 Quaker Ave Ste G, Lubbock, TX 79424
    (806) 745-2555
  • 9.65 mi
    Danny Leake
    5137 69th St Ste E, Lubbock, TX 79424
    (806) 794-2708
  • 9.65 mi
    Hanna Insurance Services
    5141 69th St, Lubbock, TX 79424
    (806) 687-2408
  • 9.65 mi
    Bledsoe Insurance Agency
    5143 69th St, Lubbock, TX 79424
    (806) 794-8686
  • 9.65 mi
    SIG - Dansby and Associates
    5147 69th St Ste A, Lubbock, TX 79424
    (806) 785-0840
  • 9.65 mi
    Patrick Bailey
    6701 Aberdeen Ave Ste 2, Lubbock, TX 79424
    (806) 798-1340
  • 9.65 mi
    Butler-Carson-Tate Insurance Agency
    4505 82nd St Ste 6, Lubbock, TX 79424
    (806) 798-7979
  • 9.65 mi
    MHBT Insurance
    5214 68th St Ste 201, Lubbock, TX 79424
    (806) 798-9050
  • 9.65 mi
    Yates & Associates
    5101 80th St Ste 6, Lubbock, TX 79424
    (806) 701-5136
  • 9.65 mi
    InsureAll
    5224 75th St Ste A, Lubbock, TX 79424
    (806) 771-9904
  • 9.65 mi
    Ken Marshall
    7805 Slide Rd, Lubbock, TX 79424
    (806) 794-5252
  • 9.65 mi
    Cassandra Luebano
    5124 82nd St, Lubbock, TX 79424
    (806) 698-6549
  • 9.65 mi
    Christopher Mardis
    5124 82nd St, Lubbock, TX 79424
    (806) 783-8717
  • 9.65 mi
    Darrell Bednarz
    8008 Slide Rd Ste 29, Lubbock, TX 79424
    (806) 771-1883
  • 9.65 mi
    Jimmy Gomez
    8008 Slide Rd Ste 29, Lubbock, TX 79424
    (806) 241-3036
  • 9.65 mi
    Beadle Insurance Agency
    8008 Slide Rd Ste 22, Lubbock, TX 79424
    (806) 798-7900
  • 9.65 mi
    Bill Eggar
    10101 Quaker Ave, Lubbock, TX 79424
    (806) 792-5200
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Learn More About Car Insurance in Lubbock, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.