Cheap Car Insurance in Lubbock, Texas ( With 2024 Rates)

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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.

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.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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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

Zip	Avg. 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

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Grimes Insurance Agency

1651 Broadway, Lubbock, TX 79401

(806) 762-0544

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Rick Rosas

2400 Glenna Goodacre Blvd Ste 106d, Lubbock, TX 79401

(806) 776-3276

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0 mi

Alan Henry Insurance Agency

1730 19th St, Lubbock, TX 79401

(806) 763-6427

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0 mi

J E Murfee & Son

1310 Texas Ave, Lubbock, TX 79401

(806) 763-5311

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0 mi

Lisa Caldwell

2418 19th St, Lubbock, TX 79401

(806) 799-1628

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1.29 mi

Acceptance Auto Insurance

2801 Avenue Q, Lubbock, TX 79411

(806) 749-2800

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1.29 mi

All Write Insurance Agency

2413 20th St, Lubbock, TX 79411

(806) 763-2886

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1.29 mi

Charles Short Insurance Agency

2415 20th St, Lubbock, TX 79411

(806) 763-4409

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1.29 mi

Autopartners Insurance Agency

1711 34th St, Lubbock, TX 79411

(806) 749-7200

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1.29 mi

All Quote Insurance

1956 34th St, Lubbock, TX 79411

(806) 712-3060

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1.29 mi

Fransan Insurance Services

1310 34th St, Lubbock, TX 79411

(806) 747-9560

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1.29 mi

Roddy Simmons Jr

2124 34th St, Lubbock, TX 79411

(806) 747-5759

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1.29 mi

David Jeter

2221 34th St, Lubbock, TX 79411

(806) 763-0055

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1.29 mi

Greg Pittman

2221 34th St, Lubbock, TX 79411

(806) 747-2821

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10.19 mi

Maeker Insurance Agency

360 Us Highway 87, Lubbock, TX 79423

(806) 924-7241

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10.19 mi

Victor Rodriguez

2026 82nd St Unit 103, Lubbock, TX 79423

(806) 783-0831

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10.19 mi

Joe Schoenig

13041 Quaker Ave, Lubbock, TX 79423

(806) 745-7777

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10.19 mi

Tommy Potts

13041 Quaker Ave, Lubbock, TX 79423

(806) 794-8830

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10.19 mi

Kevin Watson

13033 Quaker Ave Ste B, Lubbock, TX 79423

(806) 797-3329

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10.19 mi

Kenna Green

10309 Indiana Ave, Lubbock, TX 79423

(806) 783-9448

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10.19 mi

Dennis Stotts

2819 74th St, Lubbock, TX 79423

(806) 745-9013

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10.19 mi

Nelson Insurance Group

3417 73rd St, Lubbock, TX 79423

(806) 407-2511

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10.19 mi

Hershel Spears

2710 82nd St, Lubbock, TX 79423

(806) 792-2244

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10.19 mi

Carlton Freeman

2738 82nd St, Lubbock, TX 79423

(806) 745-1181

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10.19 mi

Alliance Insurance Agency

3307 82nd St, Lubbock, TX 79423

(806) 792-0135

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10.19 mi

Gary Hatchett

3323 82nd St, Lubbock, TX 79423

(806) 793-2421

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10.19 mi

Lowdermilk Insurance Agency

3408 82nd St, Lubbock, TX 79423

(806) 788-1343

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10.19 mi

Scott Powell

8208 Indiana Ave, Lubbock, TX 79423

(806) 793-2855

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10.19 mi

Tim Moneymaker

8212 Ithaca Ave Ste C, Lubbock, TX 79423

(806) 796-3834

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10.19 mi

Texas American Insurers

8200 Nahville Ave Ste 204, Lubbock, TX 79423

(806) 445-0222

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10.19 mi

Liberty Mutual Agency

4010 82nd St Ste 255, Lubbock, TX 79423

(806) 788-1187

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10.19 mi

Doug Townsend

3901 84th St, Lubbock, TX 79423

(806) 698-1611

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10.19 mi

Joey Cooper

4101 84th St Ste A, Lubbock, TX 79423

(806) 783-0845

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10.19 mi

Stan Cribbs

4101 84th St Ste A, Lubbock, TX 79423

(806) 783-0700

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10.19 mi

Rebecca Egert

9810 Indiana Ave Ste 120, Lubbock, TX 79423

(806) 795-4344

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10.19 mi

Cowan Hill Bond Agency

9810 Indiana Ave Ste 160, Lubbock, TX 79423

(806) 722-2663

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10.19 mi

Brent Hatchett

4202 98th St Ste 101, Lubbock, TX 79423

(806) 794-3956

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13.23 mi

Mark Jennings

6301 19th St Ste 4, Lubbock, TX 79407

(806) 792-4432

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13.23 mi

Nichole Forman

1901 West Loop 289 Ste 4a3, Lubbock, TX 79407

(806) 796-1000

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2.62 mi

Margarita Gomez

3206 34th St Ste B, Lubbock, TX 79410

(806) 791-2892

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2.62 mi

Alan Henry Insurance Agency

3407 19th St, Lubbock, TX 79410

(806) 792-3771

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2.62 mi

Edwards & Abernathie

3407 19th St, Lubbock, TX 79410

(806) 792-5166

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2.62 mi

Sims-Perrin Insurance Agency

3302 34th St, Lubbock, TX 79410

(806) 795-4301

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2.62 mi

Acceptance Auto Insurance

4509 34th St, Lubbock, TX 79410

(806) 796-1158

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2.96 mi

Silveus Insurance Group

15 Briercroft Office Park, Lubbock, TX 79412

(866) 791-1598

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2.96 mi

Budget Insurance

3904 Avenue Q, Lubbock, TX 79412

(806) 687-3800

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2.96 mi

Statewide Insurance

4114 Avenue Q, Lubbock, TX 79412

(806) 741-0441

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2.96 mi

James F Dunn Jr

4120 Avenue Q, Lubbock, TX 79412

(806) 747-3404

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2.96 mi

Area Insurance Associates

4202 Avenue Q, Lubbock, TX 79412

(806) 747-2400

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2.96 mi

Cam Fannin Insurance

1810 50th St, Lubbock, TX 79412

(806) 747-4422

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2.96 mi

Randy Calderon

1314 50th St, Lubbock, TX 79412

(806) 722-0303

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2.96 mi

Rc Calderon

1314 50th St, Lubbock, TX 79412

(806) 741-1515

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2.96 mi

Russell Donaway

2321 50th St Ste C, Lubbock, TX 79412

(806) 799-4600

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3.55 mi

Tommy Reece

3114 50th St, Lubbock, TX 79413

(806) 793-0646

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3.55 mi

A-Max Auto Insurance

3207 50th St Ste A, Lubbock, TX 79413

(806) 795-8000

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3.55 mi

Roger Alan Wilcox

3225 50th St Ste A2, Lubbock, TX 79413

(806) 799-0052

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3.55 mi

Circle Insurance Agency

6520 University Ave Spc 3, Lubbock, TX 79413

(806) 797-4131

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3.55 mi

Nelda Jett

3833 50th St Ste 5, Lubbock, TX 79413

(806) 793-2857

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3.55 mi

Maria Valeriano Insurance Agency

4210 50th St Ste A, Lubbock, TX 79413

(806) 780-6622

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3.55 mi

Lynn Alexander

3302 64th St Ste C, Lubbock, TX 79413

(806) 799-8891

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4.76 mi

Elroy Carson

3602 Slide Rd Ste B7, Lubbock, TX 79414

(806) 794-2461

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4.76 mi

Jim White

4518 50th St, Lubbock, TX 79414

(806) 792-4416

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4.76 mi

Goosehead Insurance - Jai Fulford

4815 50th St Unit C, Lubbock, TX 79414

(806) 776-0554

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4.76 mi

Eddie Wilt

5008 50th St, Lubbock, TX 79414

(806) 795-8040

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4.76 mi

Quisenberry & Associates

4601 66th St, Lubbock, TX 79414

(806) 793-8773

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4.76 mi

Hettler Insurance Agency

4432 S Loop 289, Lubbock, TX 79414

(806) 798-7800

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4.76 mi

Matt Griffin

6603 Utica Ave Ste 101, Lubbock, TX 79414

(806) 793-8698

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4.76 mi

Wayne Lawley

6603 Utica Ave Ste 102, Lubbock, TX 79414

(806) 798-8787

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4.76 mi

Johnny Vestal

6603 Utica Ave Ste 103, Lubbock, TX 79414

(806) 783-9990

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4.76 mi

James Welch

5313 50th St Ste C2, Lubbock, TX 79414

(806) 783-0290

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6.18 mi

Veronica Zuniga

517 E Stanford St, Lubbock, TX 79403

(806) 702-4918

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7.29 mi

Peter Griffith - State Farm Insurance

409 Frankford Ave, Lubbock, TX 79416

(806) 785-4456

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7.29 mi

Patrick Bailey

5409 4th St Unit F, Lubbock, TX 79416

(806) 792-3044

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7.29 mi

Jason Grisham

1102 Slide Rd Spc 33, Lubbock, TX 79416

(806) 793-3101

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8.17 mi

AAA Insurance Underwriters

311 N University Ave, Lubbock, TX 79415

(806) 762-2201

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8.17 mi

Budget Insurance

2508 Auburn St Ste B, Lubbock, TX 79415

(806) 749-8600

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8.17 mi

A-Max Auto Insurance

112 N University Ave Ste 106, Lubbock, TX 79415

(806) 762-2000

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9.65 mi

Dahlmer Insurance Solutions

7412 82nd St Ste C, Lubbock, TX 79424

(806) 771-0203

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9.65 mi

Insurance Partners

7335 82nd St Ste 4, Lubbock, TX 79424

(806) 866-4247

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9.65 mi

Danny Sellers

7302 82nd St Ste 11, Lubbock, TX 79424

(806) 866-2702

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9.65 mi

Daniel Enabnit

8605 Milwaukee Ave Ste 101, Lubbock, TX 79424

(806) 783-8940

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9.65 mi

Weston Taylor

8605 Milwaukee Ave Ste 103, Lubbock, TX 79424

(806) 783-8735

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9.65 mi

Texas Insurance Partners

7021 Kewanee Ave Bldg 2 Ste 102, Lubbock, TX 79424

(806) 771-9692

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9.65 mi

Tammi McAda

7021 Kewanee Ave Unit 3102, Lubbock, TX 79424

(806) 793-2858

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9.65 mi

Ashmore & Associates Insurance Agency

6102 82nd St Ste 6, Lubbock, TX 79424

(806) 771-4368

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9.65 mi

Marvin Grimes

6102 82nd St Unit 3b, Lubbock, TX 79424

(806) 797-2607

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9.65 mi

Jules Minne

10210 Frankford Ave Ste 200, Lubbock, TX 79424

(806) 783-9519

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9.65 mi

Pirkle Weir Insurance Agency

10210 Frankford Ave Ste 130, Lubbock, TX 79424

(806) 368-7340

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9.65 mi

Berger & Associates Insurance Agency

6308 Iola Ave Unit 105, Lubbock, TX 79424

(806) 472-4739

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9.65 mi

Dick Phillips

5740 82nd St, Lubbock, TX 79424

(806) 799-4651

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9.65 mi

Jane Phillips

5740 82nd St, Lubbock, TX 79424

(806) 798-1395

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9.65 mi

Lowdermilk General Agency

5914 130th St Ste 207, Lubbock, TX 79424

(806) 589-5463

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9.65 mi

Mike Fox

5910 130th St Ste 101, Lubbock, TX 79424

(806) 701-5234

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9.65 mi

The Shropshire Agency

5812 66th St, Lubbock, TX 79424

(806) 763-7311

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9.65 mi

Michael Berg

5811 64th St Unit A, Lubbock, TX 79424

(806) 794-2584

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9.65 mi

Kizer Insurance

5717 66th St Ste 110, Lubbock, TX 79424

(806) 748-5619

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9.65 mi

Holmes Insurance Agency

5717 66th St Ste 110, Lubbock, TX 79424

(806) 748-5453

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9.65 mi

Keith Potts Insurance Agency, Inc.

6110 Frankford Ave Ste A, Lubbock, TX 79424

(806) 794-5084

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9.65 mi

Rhett Richardson

13413 County Road 1800 Unit D, Lubbock, TX 79424

(806) 783-9998

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9.65 mi

Sanford & Tatum Insurance Agency

5241 98th St, Lubbock, TX 79424

(806) 792-5564

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9.65 mi

David Tate Insurance Agency

5233 79th St, Lubbock, TX 79424

(806) 794-1177

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9.65 mi

Aycock & Fowler Insurance Agency

9816 Slide Rd Ste 302, Lubbock, TX 79424

(806) 798-2700

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9.65 mi

Chris Jasper

7021 Kewanee Ave Unit 9101, Lubbock, TX 79424

(806) 783-0262

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9.65 mi

Goosehead Insurance - Shannon Young

12002 Trafalgar Ave Ste 304, Lubbock, TX 79424

(806) 500-2785

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9.65 mi

Texas Farm Bureau Insurance

10615 Quaker Ave, Lubbock, TX 79424

(806) 747-5271

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9.65 mi

John Michael Vestal

10101 Slide Rd Ste 500, Lubbock, TX 79424

(806) 794-5526

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9.65 mi

Willcoxon Insurance Agency

4601 S Loop 289 Ste 7, Lubbock, TX 79424

(806) 763-4005

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9.65 mi

Nannette Adkins

4407 71st St, Lubbock, TX 79424

(806) 793-9766

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9.65 mi

Paul Willems

4747 S Loop 289 Ste 140, Lubbock, TX 79424

(806) 771-2526

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9.65 mi

Chris Prather

4412 74th St Ste F101, Lubbock, TX 79424

(806) 792-3331

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9.65 mi

J B Mann Insurance Agency

5121 69th St Ste A104, Lubbock, TX 79424

(806) 794-3008

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9.65 mi

Melissa Lawrence

5121 69th St Ste 101, Lubbock, TX 79424

(806) 239-0911

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9.65 mi

Scott Fillingim

5121 69th St Ste A123, Lubbock, TX 79424

(806) 794-5537

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9.65 mi

Ana Borrego

8001 Quaker Ave Ste G, Lubbock, TX 79424

(806) 745-2555

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9.65 mi

Danny Leake

5137 69th St Ste E, Lubbock, TX 79424

(806) 794-2708

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9.65 mi

Hanna Insurance Services

5141 69th St, Lubbock, TX 79424

(806) 687-2408

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9.65 mi

Bledsoe Insurance Agency

5143 69th St, Lubbock, TX 79424

(806) 794-8686

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9.65 mi

SIG - Dansby and Associates

5147 69th St Ste A, Lubbock, TX 79424

(806) 785-0840

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9.65 mi

Patrick Bailey

6701 Aberdeen Ave Ste 2, Lubbock, TX 79424

(806) 798-1340

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9.65 mi

Butler-Carson-Tate Insurance Agency

4505 82nd St Ste 6, Lubbock, TX 79424

(806) 798-7979

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9.65 mi

MHBT Insurance

5214 68th St Ste 201, Lubbock, TX 79424

(806) 798-9050

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9.65 mi

Yates & Associates

5101 80th St Ste 6, Lubbock, TX 79424

(806) 701-5136

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9.65 mi

InsureAll

5224 75th St Ste A, Lubbock, TX 79424

(806) 771-9904

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9.65 mi

Ken Marshall

7805 Slide Rd, Lubbock, TX 79424

(806) 794-5252

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9.65 mi

Cassandra Luebano

5124 82nd St, Lubbock, TX 79424

(806) 698-6549

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9.65 mi

Christopher Mardis

5124 82nd St, Lubbock, TX 79424

(806) 783-8717

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9.65 mi

Darrell Bednarz

8008 Slide Rd Ste 29, Lubbock, TX 79424

(806) 771-1883

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9.65 mi

Jimmy Gomez

8008 Slide Rd Ste 29, Lubbock, TX 79424

(806) 241-3036

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9.65 mi

Beadle Insurance Agency

8008 Slide Rd Ste 22, Lubbock, TX 79424

(806) 798-7900

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9.65 mi

Bill Eggar

10101 Quaker Ave, Lubbock, TX 79424

(806) 792-5200

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View all agents ↓

Learn More About Car Insurance in Lubbock, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

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.

Cheap Car Insurance in Lubbock, Texas (With 2024 Rates)