What is the Best Car Insurance in Lubbock, TX?

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Finding decent, reasonably-priced auto insurance is not easy, and determining which company offers the best car insurance rates in Lubbock will involve even more perseverance. Each company has a different process to set premium rates, so first let's look at the rankings for the overall cheapest car insurance companies in Texas.

It's a good idea to know that Lubbock car insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Taking a driver safety course, buying a safer car, or getting a driving violation may generate price changes that can make some companies more affordable than others.

Who has the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,256
5 California Casualty $1,382
6 Esurance $1,421
7 State Farm $1,465
8 Mercury $1,521
9 Safe Auto $1,597
10 Nationwide $1,600
11 Progressive $1,647
12 Allstate $1,650
13 Amica $1,705
14 Home State $2,092
15 GEICO $2,135
16 MetLife $2,183
17 Encompass $2,232
18 Unitrin $2,310
19 21st Century $2,469
20 Titan $2,646
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Travelers has some of the best car insurance rates in Lubbock at around $1,041 annually. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the best Lubbock, TX auto insurance companies.

As illustrated above, if you are currently insured with USAA and switched to Travelers, you might achieve an annual premium reduction of roughly $43. Texas drivers with Texas Farm Bureau might save as much as $206 a year, and Germania Mutual insureds might realize rate reductions of up to $215 a year.

Understand that those rates are averaged for all drivers and vehicles and are not factoring in a specific zip code in Lubbock. So the auto insurance company that has the cheapest rates for you may not even be in the top 23 companies shown above. That emphasizes why you need to get quotes using your own specific driver information and vehicle.

For drivers in Lubbock, one of the more important criteria that determine the amount you pay each year for auto insurance is where you call home in Lubbock. Larger areas tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.

The next table lists the highest-priced places in Texas in which to buy car insurance. Lubbock ranks #13 having an annual price of $1,733 for the average insured, which is approximately $144 monthly.

How much is auto insurance in Lubbock, TX?
Rank City Premium Per Year
1 McAllen $1,936
2 Laredo $1,907
3 Brownsville $1,870
4 Dallas $1,855
5 Houston $1,853
6 Amarillo $1,840
7 Irving $1,789
8 Garland $1,778
9 Pasadena $1,758
10 Mesquite $1,753
11 Grand Prairie $1,740
12 San Antonio $1,739
13 Lubbock $1,733
14 Beaumont $1,720
15 Carrollton $1,664
16 Austin $1,659
17 Arlington $1,658
18 Fort Worth $1,653
19 El Paso $1,632
20 Plano $1,576
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Price information shown is estimated as the specific garaging location can raise or lower coverage rates substantially.

The vehicle model that is being insured is a large consideration when consumers are trying to find the lowest-priced auto insurance in Lubbock. Vehicles with more horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models.

The list below illustrates coverage rates for the most economical automobiles to buy insurance for.

Cheapest Vehicles to Insure in Lubbock, TX
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $993
Honda Odyssey LX $1,066
Ford Escape Limited 2WD $1,089
Honda Accord LX 4-Dr Sedan $1,097
Ford F-150 XLT Super Cab 4WD $1,111
Honda Civic DX 4-Dr Sedan $1,129
Nissan Altima 2.5 4-Dr Sedan $1,151
Hyundai Elantra SE Touring Station Wagon $1,157
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,162
Toyota Prius $1,182
Ford Edge Sport AWD $1,213
Chevrolet Impala LTZ $1,219
Jeep Grand Cherokee Laredo 2WD $1,260
Toyota RAV4 Limited 4WD $1,267
Toyota Tacoma Double Cab 4WD $1,284
Chevrolet Malibu LT $1,289
Ford Explorer Eddie Bauer 4WD $1,284
Toyota Camry LE $1,295
GMC Sierra SLE Regular Cab 2WD $1,303
Toyota Camry Hybrid $1,317
Dodge Grand Caravan Crew $1,324
Dodge Ram 2500 Crew Cab ST 4WD $1,340
Ford F-350 Crew Cab Lariat Turbo Diesel 2WD $1,350
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in Lubbock, TX location which can affect auto insurance rates significantly.

Based upon these rates, cars like the Honda CR-V, Honda Odyssey, Ford Escape, and Honda Accord are likely to be some of the more affordable vehicles to insure for drivers in Lubbock.

Rate increases following a ticket or accident

The recommended way to find the best auto insurance prices in Texas for drivers in Lubbock is to pay attention while driving and avoid accidents and traffic citations. The example below demonstrates how speeding tickets and at-fault fender-benders can impact car insurance costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

The data charted above shows the average cost of a car insurance policy per year with no accidents or violations is $1,706. Add in two speeding tickets and the average cost jumps to $2,431, an increase of $725 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance in Lubbock jumps again to an average of $4,982. That's an increase of $3,276, or $273 per month, just for not being a responsible driver!