Cheapest Car Insurance In Lubbock, TX 2025
Texas Farm Bureau offers the most affordable car insurance in Lubbock, with minimum coverage costing an average of just $25 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Lubbock, TX, can be challenging, as rates vary widely.
For drivers needing the lowest-cost liability-only coverage, Texas Farm Bureau stands out as the top choice. Those looking for full coverage at the best price will also find Texas Farm Bureau to be the most budget-friendly option. However, when it comes to young drivers, State Farm offers the most affordable rates.
Cheapest Car Insurance In Lubbock, TX
Cheapest Liability-only Car Insurance In Lubbock: Texas Farm Bureau
Texas Farm Bureau offers the most affordable minimum coverage car insurance in Lubbock, with an average monthly rate of $25.
Check the table below to see how rates compare across various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $36 | $432 |
| National General | $51 | $612 |
| Mercury | $31 | $372 |
| Texas Farm Bureau | $25 | $300 |
| Progressive | $43 | $516 |
Cheapest Full Coverage Insurance Rates In Lubbock: Texas Farm Bureau
Texas Farm Bureau offers the lowest rates for full coverage car insurance in Lubbock, with an average monthly cost of $62.
The table below shows a comparison of average quotes from budget-friendly insurance providers in Lubbock.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farm State | $78 | $936 |
| Texas Farm Bureau | $62 | $744 |
| Allstate | $125 | $1,500 |
| Progressive | $112 | $1,344 |
| GEICO | $104 | $1,248 |
Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau
Texas Farm Bureau offers the most affordable car insurance for seniors in Lubbock, with an average monthly rate of $35.
The table below compares quotes from the cheapest insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $86 | $1,032 |
| State Farm | $49 | $588 |
| Mercury | $80 | $960 |
| Texas Farm Bureau | $35 | $420 |
| GEICO | $78 | $936 |
Cheapest Rates In Lubbock For Teenagers: Nationwide
Teen drivers in Lubbock can get the most affordable rates from Nationwide, with average monthly premiums of $126.
The table below highlights the insurance providers offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $290 | $3,480 |
| Nationwide | $126 | $1,512 |
| Foremost | $245 | $2,940 |
| State Farm | $143 | $1,716 |
| GEICO | $179 | $2,148 |
Cheapest Auto Insurance For Young Adults in Lubbock: Texas Farm Bureau
Texas Farm Bureau provides the most affordable car insurance for young adults in Lubbock, with an average monthly rate of $56.
Refer to the table below to compare the lowest auto insurance rates for young adults in Lubbock.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $103 | $1,236 |
| Texas Farm Bureau | $56 | $672 |
| GEICO | $98 | $1,176 |
| National General | $106 | $1,272 |
| State Farm | $71 | $852 |
Cheapest Car Insurance In Lubbock For Good Drivers: Texas Farm Bureau
Good drivers in Lubbock can get the lowest car insurance rates from Texas Farm Bureau, with an average cost of $28 per month.
Check the table below to compare quotes from the most budget-friendly insurance providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $36 | $432 |
| National General | $53 | $636 |
| Mercury | $32 | $384 |
| Texas Farm Bureau | $28 | $336 |
| Progressive | $49 | $588 |
Find Affordable Lubbock Rates
Cheapest Car Insurance In Lubbock After A Speeding Ticket: Texas Farm Bureau
Texas Farm Bureau offers some of the lowest rates in Lubbock, with an average monthly cost of $30 for drivers with a speeding ticket.
Refer to the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $56 | $672kok |
| State Farm | $38 | $456 |
| Allstate | $60 | $720 |
| Texas Farm Bureau | $30 | $360 |
| Mercury | $45 | $540 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $45.
Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $69 | $828 |
| State Farm | $45 | $540 |
| GEICO | $74 | $888 |
| Texas Farm Bureau | $48 | $576 |
| Progressive | $71 | $852 |
Cheapest Rates In Lubbock For Drivers After A DUI: Texas Farm Bureau
Texas Farm Bureau offers the lowest car insurance rates for drivers with a DUI in Lubbock, with an average monthly premium of $60.
Check the table below to compare the most affordable rates for drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $82 | $984 |
| National General | $64 | $768 |
| State Farm | $70 | $840 |
| Texas Farm Bureau | $60 | $720 |
| Nationwide | $79 | $948 |
Best Car Insurance Companies In Lubbock
In Lubbock, Texas Farm Bureau offers the most affordable car insurance at $91 per month. Progressive is another budget-friendly option at $110 per month, followed by State Farm at $114 per month.
Below is a ranking of the top 10 car insurance companies in Lubbock, TX, based on their average monthly rates.
| Company | Monthly Premium |
| Texas Farm Bureau | $91 |
| Progressive | $110 |
| State Farm | $114 |
| National General | $117 |
| AAA Texas | $120 |
| Allstate | $123 |
| Mile Auto | $134 |
| Nationwide | $150 |
| Mercury | $155 |
| GEICO | $159 |
Average Auto Insurance Rates In Lubbock- By Age
Age plays a significant role in determining car insurance rates. Younger drivers often face higher premiums due to their inexperience and greater risk of accidents or violations. Teenagers, in particular, can expect to pay about $3,916 annually for car insurance.
As drivers approach 25, their rates typically start to drop, provided they maintain a clean driving record.
The best insurance rates are often given to drivers in their 50s and early 60s. Insurers use age as a factor to gauge driving experience and risk, which directly impacts premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,916 |
| 20s | $2,808 |
| 30s | $1,596 |
| 40s | $1,536 |
| 50s | $1,344 |
| 60s | $1,224 |
| 70s | $1,524 |
Average Rates In Lubbock- By Vehicle
The car you drive has a major impact on your insurance rates. Insurers consider factors like the make, model, year, and body type when calculating costs. Generally, newer cars—especially luxury models with advanced features and higher replacement costs—come with higher insurance premiums.
Check the table below to see the average insurance rates in Lubbock for different types of vehicles.
| Vehicle | Average Monthly Rate |
| Ford F150 | $390 |
| Toyota Camry | $247 |
| Ford Expedition | $145 |
| Nissan Sentra | $330 |
| Chevrolet Cruze | $241 |
How Much Is Car Insurance In Other Cities in Texas?
Where you live has a significant impact on your car insurance rates. Insurers consider factors like accident frequency, vehicle theft, and vandalism—risks that tend to be higher in urban areas, leading to increased premiums.
For instance, drivers in Arlington typically pay about $155 per month for car insurance, while those in Baytown see average rates of $132 per month.
| City | Average Monthly Rate |
| Arlington | $155 |
| El Paso | $159 |
| Beaumont | $167 |
| Dallas | $180 |
| Laredo | $108 |
| San Antonio | $156 |
| Fort Worth | $160 |
| Baytown | $132 |
| Irving | $168 |
| Tyler | $152 |
Average Cost Of Auto Insurance In Lubbock- By Zip Code
Insurance companies use zip codes to assess crime rates and other risk factors in your area, which means car insurance rates can vary by location.
Check the table below to compare average insurance rates for different zip codes in Lubbock.
| Zip Code | Average Monthly Rate |
| 79401 | $168 |
| 79403 | $162 |
| 79412 | $129 |
| 79413 | $131 |
| 79415 | $137 |
Find Affordable Lubbock Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Lubbock, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Lubbock?
Texas Farm Bureau offers the lowest car insurance rates in Lubbock for both minimum coverage, as required by the State of Texas, and full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Lubbock?
Car insurance in Lubbock costs an average of $127 per month. However, rates can vary depending on factors like your zip code, vehicle’s make and model, driving history, and more.
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