How to find the cheapest car insurance quotes in Lubbock
In the city of Lubbock, the typical monthly expense for a basic liability car insurance policy hovers around $97, while a comprehensive full coverage insurance plan comes in at approximately $132.
Many smart car insurance shoppers in Lubbock, Texas, often use the trusted Jerry Insurance Agency to easily compare prices and get the best coverage. To prove it, here are some of the cheapest car insurance quotes that Jerry has found for our valued customers in Lubbock.
|
Insurance Company
|
Age
|
Zip Code
|
Premium (monthly)
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Bristol West | 31 | 79415 | $89 | Hyundai Elantra Gls | State Minimum | No |
| Bristol West | 66 | 79404 | $188 | Nissan Juke Nismo | State Minimum | Yes |
| Progressive | 27 | 79412 | $108 | Nissan Rogue S | 50/100 | Yes |
| Bristol West | 39 | 79415 | $215 | Mitsubishi Outlander Se | State Minimum | Yes |
| The General | 30 | 79413 | $141 | Kia Optima Lx | State Minimum | Yes |
Cheapest Lubbock car insurance for good drivers
Your insurance costs depend on things like your driving history, age, where you live, any past claims you’ve made, and the type of vehicle you have. Even though you can’t control most of these factors, you can still be a responsible driver and maintain a clean driving record.
In Lubbock, if you’re a safe driver, you could save as much as 40% on your insurance. With Jerry’s DriveShield™, you can monitor your driving habits and qualify for discounts based on your safe driving. Find out how other drivers are using DriveShield™ to cut down on their insurance expenses below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Manuel, 25 | 76 | 22% | No | – 50/100 – Comp/Collision |
| Megan, 34 | 93 | 34% | No | – 50/100 – Comp/Collision |
| Michael, 43 | 98 | 33% | No | – 50/100 – Comp/Collision |
| Isabel, 51 | 72 | 25% | No | – State Minimum Liability – Comp/Collision |
| Ethan, 64 | 70 | 21% | No | – State Minimum Liability – Minimum Coverage |
Best car insurance companies in Lubbock
Not all drivers should go with the same car insurance company. This is because each person gets different car insurance quotes based on their details, so the most budget-friendly option varies for everyone. Price is essential, but you should also think about how well a company handles claims and treats its customers.
Jerry recently did a huge survey across the country to help drivers compare the cheapest car insurance companies. Even though popular companies like GEICO and State Farm had mixed feedback about policy costs and customer service, smaller insurers like Aspire Advantage and National General got the best ratings from real customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
| USAA | 4.2 | 3.3 | 4.4 | 4.3 |
| State Farm | 3.9 | 3.4 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
| Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lubbock
In Texas, there’s a rule that says you must have at least a certain amount of car insurance, known as minimum liability insurance, to get the best rates in Lubbock. However, just having the minimum might not be sufficient. It’s a good idea to think about getting full coverage to make sure your insurance can help pay for fixing or replacing your car if needed.
Cheap minimum liability insurance quotes in Lubbock
To drive legally in Lubbock, you have to meet Texas’ minimum insurance requirements for bodily injury liability and property damage liability. These are the amounts you need:
- $30,000 of bodily injury liability coverage per person
- $60,000 of bodily injury liability coverage per accident
- $25,000 of property damage liability coverage
People often refer to this type of coverage as “30/60/25 insurance.” With this basic liability coverage, you’re covered up to these limits if you’re responsible for injuries or damage to someone else’s property while driving. Jerry makes it easy for Lubbock drivers to find affordable insurance that meets these minimum requirements.
Do you need more than minimum coverage in Lubbock?
Most drivers in Lubbock should think about getting more liability coverage than the basic 30/60/25 required by Texas law. If you cause a crash, you might end up having to pay for medical bills and car repairs that go beyond the coverage limits of 30/60/25, especially if the injuries are serious. If the car is completely wrecked, replacing it can cost over $40,000, which is more than the $25,000 property damage limit.
Keep in mind that Texas law allows people to file bodily injury and property damage lawsuits for up to two years after a car accident. This means your responsibility doesn’t end right after the accident!
To make sure you’re financially protected, it’s a good idea to consider higher liability coverage like 50/100/50 or 100/300/100, even if you don’t choose to get full coverage for your car.
Cheap full coverage car insurance quotes in Lubbock
Having full coverage car insurance is the best way to make sure you’re financially protected when it comes to fixing or replacing your vehicle.
Full coverage typically includes two main parts:
- Collision coverage takes care of the costs of repairing or replacing your car if you’re in an accident.
- Comprehensive coverage helps out if your car gets stolen or damaged by something other than a crash, like vandalism, theft, or natural disasters.
If you still owe money on a loan for your car, your bank will likely ask you to have both collision and comprehensive coverage until you’ve paid off the loan.
In addition to a full-coverage auto insurance policy, you can also choose to get uninsured motorist coverage. This is useful if you get into an accident caused by a driver without insurance, as it can help cover injuries or damage that might not be covered otherwise.
Jerry has been assisting drivers in Lubbock and beyond in finding full coverage quotes that are affordable.
|
Liability Limits
|
Has Full Coverage
|
Age
|
Zip Code
|
Insurance Company
|
Premium (monthly)
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | 66 | 79404 | Bristol West | $188 | Nissan Juke Nismo |
| 50/100 | Yes | 27 | 79412 | Progressive | $108 | Nissan Rogue S |
| State Minimum | Yes | 39 | 79415 | Bristol West | $215 | Mitsubishi Outlander Se |
| State Minimum | Yes | 30 | 79413 | The General | $141 | Kia Optima Lx |
| State Minimum | Yes | 28 | 79423 | Progressive | $615 | Chevrolet Impala Premier |
The quickest and simplest way to find the most affordable car insurance for the coverage you want is by comparing rates online.
Jerry, a leading insurance agency, has a free app that compares car insurance quotes. It also offers complete service to customers with assistance from over 100 licensed insurance agents.
Average cost of car insurance in Lubbock
After looking at many auto insurance companies in Lubbock, we found that the typical cost for minimum liability coverage is around $97 per month or $1,163 per year. Also, people in Lubbock can anticipate an average of $132 per month or $1,584 per year for full coverage insurance.
Even though knowing average rates is helpful for estimating your own insurance expenses, it’s essential to realize that individual car insurance premiums are affected by various factors. These factors can include the type of vehicle you have, your driving history, claims you’ve made before, and other important details.
Average cost of car insurance in Lubbock by zip code
The location you live in, including your ZIP code, can affect how much you pay for insurance. Insurance companies look at things like how many people live there, how many accidents happen, crime rates, and local weather conditions when figuring out the cost of your premium.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 78401 | $72 | $200 |
| 78404 | $92 | $381 |
| 78405 | $129 | $277 |
| 78407 | $114 | $290 |
| 78408 | $90 | $190 |
| 78409 | $66 | $133 |
Car insurance quotes in Lubbock by rating factors
Insurance companies in Lubbock consider several factors when determining your auto insurance costs:
- Your driving history and claims record: If you’ve had accidents or violations, you’re likely to pay more compared to those with a clean record.
- Your personal details: Your age, gender, and whether you’re married or not can affect how much you pay for insurance.
- Where you live: People in the city often pay more than those in rural areas because cities tend to have higher crime rates and more people.
- How much you drive: If you drive a lot each year, your insurance costs may be higher
- The type of car you drive: Fancy, sports, or high-performance cars usually cost more to insure because their replacement parts are pricier.
- Your credit score: In Texas, a good credit score is linked to lower auto insurance rates, even if you’re getting the same coverage as someone with a lower credit score.
Cheap car insurance quotes in Lubbock after driving violations
Your driving record in Texas affects how much you’ll pay for car insurance. If insurance companies notice you’ve got a history of breaking traffic rules, they might see you as a higher risk and charge you more. Some common violations that could make your insurance rates go up include:
- Speeding
- DUIs (Driving Under the Influence)
- Being at fault in an accident
- Reckless driving
- Driving when your license is suspended
Cheapest car insurance in Lubbock after speeding ticket
Getting a speeding ticket in Lubbock, Texas, can lead to an increase in car insurance rates. When you receive a speeding ticket, it signals to the insurance company that you may be more likely to be involved in accidents, prompting them to adjust your rates accordingly.
Luckily, drivers with speeding tickets are still able to find savings with Jerry. Check out the table below for examples!
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Major | Bristol West | $409 | 32 | 79404 | Ford F250 Super Duty | State Minimum | Yes |
| Speeding Violation-Major | Progressive | $220 | 27 | 79415 | Honda Accord Ex | State Minimum | No |
| Speeding Violation-Major | Progressive | $47 | 25 | 79407 | Volkswagen Jetta Tdi | State Minimum | No |
| Speeding Violation-Minor | Progressive | $313 | 21 | 79423 | Ford F-150 | State Minimum | No |
| Speeding Violation-Major | Aspen | $56 | 36 | 79423 | Chevrolet Silverado C1500 | State Minimum | No |
Cheapest car insurance in Lubbock after DUI
Getting a DUI in Lubbock is a major offense that can result in very high car insurance rates, marking you as a high-risk driver. Some companies might even say no to providing you coverage.
To find a reasonable car insurance rate after a DUI, it’s crucial to explore different coverage options and compare prices. Jerry has helped numerous Lubbock drivers in finding affordable rates even after a DUI.
Cheapest car insurance in Lubbock after an at-fault accident
One of the biggest things that influence how much you pay for car insurance is your history of accidents or claims. In Texas, if you were at fault in a recent accident, it could lead to much higher insurance rates for you.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Bristol West | $89 | 31 | 79415 | Hyundai Elantra Gls | State Minimum | No |
| Not At Fault | The General | $141 | 30 | 79413 | Kia Optima Lx | State Minimum | Yes |
| Not At Fault | Bristol West | $653 | 46 | 79413 | Gmc Sierra C1500 Sle | State Minimum | Yes |
| At Fault With No Injury | National General | $575 | 29 | 79424 | Toyota Tundra Crewmax Sr5 | State Minimum | Yes |
| Not At Fault | The General | $458 | 19 | 79423 | Chevrolet Camaro Lt | State Minimum | Yes |
Cheapest car insurance in Lubbock after other driving violations
Speeding tickets, driving under the influence (DUI), reckless driving, or having a suspended license on your driving record can result in increased car insurance rates from any insurance company in Lubbock.
Check out this list of various driving violations and see how we’ve assisted drivers in reducing their car insurance costs after facing these issues.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| DUI | Gainsco | $401 | 34 | 79407 | Kia Optima Lx | State Minimum | Yes |
| DUI | Bluefire | $94 | 32 | 79424 | Toyota Tacoma Double Cab | State Minimum | No |
| Improper Passing | Bluefire | $219 | 23 | 79424 | Toyota Camry Le | State Minimum | Yes |
| Driving on Sus. License | Gainsco | $106 | 31 | 79413 | Nissan Frontier S | State Minimum | No |
| Other Minor | Progressive | $114 | 32 | 79423 | Chevrolet Cruze Lt | State Minimum | No |
Cheap car insurance quotes in Lubbock by age
Insurance rates are usually highest for young people and seniors. Young drivers often pay more because of their limited driving experience. Rates might go down after turning 25, but it’s not a permanent change. Seniors may also notice an increase in insurance rates once they reach their mid-70s.
Cheapest car insurance in Lubbock for young drivers
Teenagers between 16 and 19 years old have to pay the highest insurance rates among all age groups in Lubbock. Getting full coverage is a good idea, especially for teens driving newer cars, as they often have more accidents.
To keep rates low, it’s best for teens to stay on their parent’s insurance policy. Another excellent option is to use Jerry to find an insurance policy.
Cheapest car insurance in Lubbock for senior drivers
Senior citizens often face higher car insurance rates for a few reasons. One major factor is that older drivers have a higher likelihood of getting into accidents and are more susceptible to serious injuries if a collision occurs. This leads to considerable medical costs and increased expenses for insurance companies.
Cheap car insurance quotes in Lubbock based on insurance history
Just like your driving record and claims history, your insurance history is an important factor for insurance companies. They look at how long you’ve been insured and if you’ve had any breaks in coverage. If you’ve had lapses in coverage recently or in the past, your car insurance rates might be higher.
The good news is that Jerry can assist customers in finding savings on car insurance, no matter their insured status.
Cheap car insurance quotes in for drivers with poor credit
People with low credit-based insurance scores often have to pay more for insurance compared to those with better credit. Even though how well you drive isn’t directly linked to your credit score, insurance companies have noticed a connection between bad credit scores and a higher likelihood of filing claims.
In general, if you have an excellent credit score (over 750), you might pay around 20% less for car insurance than someone with a lower score (below 550).
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Bristol West | $89 | Francisco, 31, Lubbock, TX | Hyundai Elantra Gls | State Minimum | No |
| 550-659 | Bristol West | $188 | Carolyn, 66, Lubbock, TX | Nissan Juke Nismo | State Minimum | Yes |
| 660-750 | Progressive | $108 | Nell, 27, Lubbock, TX | Nissan Rogue S | 50/100 | Yes |
| <550 | The General | $141 | Floyd, 30, Lubbock, TX | Kia Optima Lx | State Minimum | Yes |
| <550 | Progressive | $615 | Polly, 28, Lubbock, TX | Chevrolet Impala Premier | State Minimum | Yes |
Cheap car insurance quotes in Lubbock for popular cars
The type of car you drive is a key factor in figuring out how much you’ll pay for insurance in Lubbock. Each car model comes with its own repair costs, safety features, and likelihood of theft, which all affect your insurance rate.
Popular car models for Lubbock drivers include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Corolla Ce | Progressive | $113 | 30 | 80631 | State Minimum | Yes |
| Toyota Corolla Ce | Progressive | $128 | 24 | 80634 | State Minimum | No |
| Honda Civic Lx | Dairyland | $172 | 54 | 80631 | State Minimum | Yes |
| Nissan Rogue S | Dairyland | $353 | 26 | 80631 | State Minimum | Yes |
| Toyota Corolla Ce | Bristol West | $117 | 23 | 80634 | State Minimum | No |
How to lower car insurance costs in Lubbock
1. Shop around and compare quotes
Insurance companies each have their own rules for deciding how much you pay, and these rules are always changing. To make sure you get the cheapest car insurance, experts suggest comparing quotes from at least three companies and checking for new rates every six months.
Jerry makes this usually tedious process easy! In just 45 seconds, Jerry can gather quotes from a pool of 55+ top insurance providers to help you find the best auto insurance coverage at the best price. And the best part? Jerry provides this service for free!
2. Hunt for car insurance discounts
Each insurance company provides a range of car insurance discounts, but the specific discount offered varies between companies. Some common discounts include:
- Good driver discounts: You can often get a discount if you’ve stayed accident- and violation-free for at least three to five years.
- Telematics discounts: Many companies offer easy-to-get discounts for drivers who use telematics to track their driving habits. You might even qualify for a discount just by signing up!
- Good student discounts: If you’re a full-time student in high school or college with a B average or better, you likely qualify for a discount from your insurance company.
- Bundling discounts: If you bundle your home and auto insurance (or auto and renters) with the same company, you could receive a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have full coverage car insurance, raising your deductible is a simple way to keep your monthly costs down without giving up coverage.
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
