The Texas Department of Motor Vehicles reports that there are more than 244,000 vehicles in Lubbock. This is more than one vehicle for every adult living in the county. Lubbock’s roads may not be the most safe due to the large number of people who drive every day. The Texas Department of Transportation reported 6,680 crashes across the entire county in 2019, which was the ninth-highest in the state.
Lubbock car owners must be cautious of drunk drivers. This county is consistently ranked among the most DUI deaths per capita in both Texas and the United States. There were 22 deaths from 296 DUI-related crashes in 2019.
Even if you have safe driving habits, you can’t completely avoid getting into an accident. Car insurance is here to help. For Texas’s minimum coverage of $30,000 per individual and $60,000 per incident in bodily injury liability, the average Lubbock driver pays $492 annually. $25,000 for property damage liability.
This minimum coverage is not sufficient if the other driver involved in an accident doesn’t have enough insurance. An full coverage policy that provides more protection for an average annual cost of $1,771 in Lubbock is available.
We’ve ranked five of the most trusted Lubbock car insurance companies to help you get started in your search for the best.
Lubbock’s best car insurance companies
Based on their prices, coverage options and customer service, we chose the top Lubbock car insurance companies. We asked each company for Lubbock car insurance quotes. We wanted to know if they offered the minimum coverage or full coverage. We used J.D. customer satisfaction data to gauge the quality of each company’s service. Power.
| Insurance Company | J.D. J.D. | Average Annual Premium for Minimum Insurance | 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 |
| MetLife | N/A | $357 | $2,128 |
| Allstate | 832 / 1000 | $510 | $1,635 |
Geico
It is difficult to find car insurance companies in Lubbock that offer lower rates than Geico. Premiums for all types of policies are affordable at $377 per annum for minimum coverage and $1281 for full coverage. There are many ways for drivers to save with the company, including safe driving rewards and bundling or multi-vehicle discount.
Geico has also been rated highly by Texas drivers. Geico received a score 846 out 1000 in customer satisfaction from J.D. Power
State Farm
State Farm is another great option for Lubbock drivers. Their knowledgeable agents have helped them achieve a high standard of customer service. You can hand-select coverage at a cost you can afford from over 20 State Farm agents located in Lubbock.
State Farm’s full-coverage policies are quite affordable with an average premium $1,367 annually. We found that the minimum coverage was significantly more expensive than other options at $529 per year.
MetLife
MetLife provides the lowest car insurance in Lubbock, for policies that have minimal coverage. Our quote shows that premiums start at $357 per annum. Full coverage costs $2,128 per year, which is higher than the average.
MetLife’s My Journey program is an app that helps you to learn safe driving habits and avoid accidents on Lubbock’s dangerous roads. It tracks your time behind a wheel and gives suggestions for improvement. Sign up now to receive a 25% instant discount and a 30% discount on your future policy renewals based on your safe driving score.
USAA
Auto insurance from USAA is affordable and offers customers a lot of positive feedback. You can become a USAA member online for current and former military personnel as well as their families. It’s completely free. You can combine your homeowners or renters insurance with this policy, as well as unique military-friendly benefits.
J.D. ranked USAA as the number one in Texas for customer satisfaction. Power. Average rates are $364/year for minimum coverage, and $1,440/year for full coverage.
Allstate
Allstate offers affordable full coverage in Lubbock and comes with some perks. Although rates for minimum coverage are slightly higher than the average rate with Allstate, they are still very affordable.
Allstate offers safe driving bonuses for each six-month period that you drive without filing a claim. Allstate’s Deductible Rewards program, which is optional coverage for collision insurance, reduces the deductible by $100 upfront and $100 per year.
Cheapest auto insurance in Lubbock
The state of Texas has a lot to offer in terms of car insurance. The rates for minimum coverage are slightly lower than the statewide median of $524 per annum, but full coverage costs a lot less than the $1823 most Texans spend.
MetLife is the best option for Lubbock car insurance. They charge $357 annually for minimum coverage. Geico is the best option for full coverage at $1,281 per annum.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| MetLife | $357 | $2,128 |
| Geico | $377 | $1,281 |
| USAA | $384 | $1,440 |
| All over the country | $474 | $1,286 |
| Allstate | $510 | $1,635 |
Insurance requirements for Lubbock
Drivers in Lubbock are required by law to carry the Texas minimum insurance requirements:
- $30,000 per person
- $60,000 per accident for bodily injury liability
- $25,000 for property damage liability
The lender may also require that you purchase collision and comprehensive insurance if you have a car loan.
By default, all auto insurance policies issued in Texas include uninsured/underinsured motorist coverage and personal injury protection (PIP). These coverages are not required by law so you can request that the insurance company remove them. Both can pay your bills if you are hit by another driver and don’t have enough coverage to cover your expenses and those of your passengers.
Discounts on car insurance in Lubbock
Many Lubbock car insurers offer discounts for drivers, including:
- Policy bundling discounts
- Multi-vehicle discounts
- Discounts for safe driving
- Good student discounts
- Discounts for military personnel
Questions frequently asked
Which is the best auto insurance company?
Your personal needs and identifying factors will determine the best Lubbock car insurance company. Car insurance rates can vary depending on where you live, your credit score, and gender. Also, the coverages offered by each provider will differ. You can shop around to get quotes from different providers to find the best car insurance company .
What is the cost of car insurance in Lubbock?
Average car insurance costs in Lubbock are $492 per annum for minimum coverage, and $1771 for complete coverage. You may be able get a lower rate by shopping around.
What amount of car insurance do you need in Lubbock
According to Texas state law, Lubbock drivers must carry $30,000/$60,000 per incident in bodily injury liability for each person and $25,000 in property damages liability for each accident. Insurers will automatically offer you uninsured/underinsured motorist coverage and personal injury protection (PIP), both highly recommended coverages. You will likely need collision and comprehensive coverage if you lease your vehicle.
