Best Lubbock, Texas Auto Insurance in 2024 (Compare the Top 10 Companies)
State Farm, Farmers, and Travelers provide the best Lubbock, Texas auto insurance, with rates starting at $65/month. State Farm stands out for its nationwide coverage, Farmers for its local agents, and Travelers for comprehensive coverage, making them the top choices for drivers in Lubbock, Texas.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Oct 30, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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This guide breaks down key factors that affect insurance rates in Lubbock, helping you find the most affordable and tailored policy. Start comparing to save on your premium today.
Our Top 10 Company Picks: Best Lubbock, Texas Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | B | Nationwide Coverage | State Farm |
 | #2 | 8% | A | Local Agents | Farmers |
 | #3 | 12% | A++ | Comprehensive Coverage | Travelers |
 | #4 | 15% | A++ | Military Discounts | USAA |
 | #5 | 13% | A+ | Flexible Discounts | Progressive |
 | #6 | 12% | A | Customizable Plans | Liberty Mutual |
 | #7 | 17% | A+ | Vanishing Deductible | Nationwide |
 | #8 | 8% | A+ | Safe Driving | Allstate |
 | #9 | 9% | A | Family Discounts | American Family |
 | #10 | 11% | A+ | Exclusive Benefits | The Hartford |
You don’t want to be caught driving without insurance, so it’s best to know your options. We hope you can use this guide to choose the correct auto insurance policy for you.
You can also start your comparison shopping today using our free online tool. Enter your ZIP code now to get started.
- Find the best Lubbock, Texas auto insurance with rates starting at $65/month
- State Farm is the top pick, offering reliable nationwide coverage for drivers
- Compare rates to meet your local and comprehensive coverage needs
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Nationwide Coverage: According to the State Farm auto insurance review, it provides a broad range of coverage nationwide, making it a top pick for comprehensive protection.
- Strong Local Presence: With an extensive network of agents, State Farm delivers personalized service and local expertise, making it an excellent option for tailored insurance solutions.
- High Customer Satisfaction: State Farm is renowned for its high customer satisfaction ratings, which highlight its excellent service quality and make it a leading choice for auto insurance.
Cons
- Higher Premiums for Younger Drivers: Insurance costs can be higher for younger, less experienced drivers. This might affect those seeking the best Lubbock, Texas auto insurance on a tight budget.
- Limited Discounts for Good Drivers: State Farm’s discounts for safe driving might be less generous than those of some competitors, potentially resulting in higher rates for drivers.
#2 – Farmers: Best for Local Agents
Pros
- Excellent Local Agent Network: Farmers boasts a strong network of local agents, who provide access to personalized service and help secure the best auto insurance tailored to local needs.
- Solid A.M. Best Rating: With an A rating for financial stability, Farmers is recognized for its reliability, making it a top choice for dependable coverage. Read more through our Farmers auto insurance review.
- Good Customer Service: Known for providing responsive and helpful customer support. This level of service enhances their reputation as one of the best Lubbock, Texas auto insurance providers.
Cons
- Limited National Discounts: Some competitors may not offer as many national discounts as others. This could affect affordability when searching for the best Lubbock, Texas auto insurance.
- Higher Rates for Comprehensive Coverage: Comprehensive coverage options can be more expensive than basic plans, resulting in higher premiums.
#3 – Travelers: Best for Comprehensive Coverage
Pros
- High A.M. Best Rating of A++: Travelers boast an impressive A++ rating for financial strength, indicating strong reliability and confidence in their ability to handle claims.
- Generous Bundling Discounts: With a 12% discount for bundling multiple policies, Travelers offers an attractive option for affordable and comprehensive coverage.
- Flexible Payment Plans: Travelers provides various payment options to accommodate different budgets. Visiting Travelers auto insurance review ensures you can find a plan that works for you.
Cons
- Potentially Higher Rates for High-Risk Drivers: Individuals with poor driving records or credit might face higher premiums, which could affect affordability for those considered high-risk.
- Complex Policy Options: The extensive range of coverage options and add-ons can be confusing and may require professional assistance to navigate effectively.
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#4 – USAA: Best for Military Discounts
Pros
- Exceptional Military Discounts: USAA provides a 15% discount for military members, making their insurance more affordable and appealing to those in the military.
- Top A.M. Best Rating of A++: With an A++ rating from A.M. Best, USAA demonstrates excellent financial stability and reliability, reinforcing its status as a top choice for insurance.
- High Customer Satisfaction: USAA is renowned for its exceptional customer service and high satisfaction levels, which adds to its reputation as a leading insurance provider.
Cons
- Eligibility Restricted to Military Members: USAA’s coverage is only available to military families, preventing others from accessing insurance options. Visit our USAA auto insurance review to gain more insights.
- Limited Local Presence: The limited number of local agents may lead to less personalized service, potentially impacting those looking for local support in their insurance.
#5 – Progressive: Best for Flexible Discounts
Pros
- Wide Range of Flexible Discounts: Progressive offers a 13% discount for bundling, along with several other discount options. This flexibility helps you save more on your insurance.
- Strong A.M. Best Rating of A+: Progressive’s A+ rating demonstrates strong financial stability and reliability, enhancing its credibility as an insurance provider.
- User-Friendly Online Tools: Progressive’s online tools for managing policies and comparing quotes are designed for ease of use, making it a convenient choice for accessing information and services.
Cons
- Rates Can Be Higher for High-Risk Drivers: High premiums may apply to drivers with poor records or credit. This can affect those seeking affordable options for the best Lubbock, Texas auto insurance.
- Customer Service Variability: This variability might impact overall satisfaction with finding the best auto insurance. To learn more, check our Progressive auto insurance review.
#6 – Liberty Mutual: Best for Customizable Plan
Pros
- Customizable Plans: Liberty Mutual offers various options to tailor coverage to your needs, making it a top choice for personalized auto insurance backed by this Liberty Mutual auto insurance review.
- Strong A.M. Best Rating of A: With an A rating from A.M. Best, Liberty Mutual shows solid financial strength and reliability, making it a dependable option for the best Lubbock, Texas auto insurance.
- Variety of Add-Ons: Liberty Mutual includes extra coverage options like accident forgiveness and new car replacement, adding to its appeal for comprehensive auto insurance.
Cons
- Potentially Higher Premiums for Some Drivers: Rates might be higher for drivers with specific risk factors.
- Complex Policy Details: Some find the policy details and options to be overwhelming. This complexity might make it challenging to determine the best auto insurance without additional support.
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#7 – Nationwide: Best for Vanishing Deductible
Pros
- 17% Vanishing Deductible Discount: Nationwide reduces your deductible by 20% each year you don’t make a claim, making it a strong option for saving on deductibles over time.
- Solid A.M. Best Rating of A+: With an A+ rating, Nationwide shows a high level of financial stability and reliability, making it a dependable choice for the best Lubbock, Texas auto insurance.
- Broad Network of Agents: Nationwide offers access to a vast network of local agents, providing personalized service to ensure your coverage meets your specific needs.
Cons
- Higher Rates for Young Drivers: Premiums may be more expensive for younger drivers, which could make finding affordable options more difficult.
- Complex Discount Structure: The variety of available discounts can be confusing, potentially complicating efforts to maximize your savings. Delve more in our Nationwide auto insurance review.
#8 – Allstate: Best for Safe Driving
Pros
- 8% Safe Driving Discount: Our Allstate auto insurance review states that Allstate offers discounts for maintaining a clean driving record, making it a strong option for those who prioritize safe driving.
- Strong A.M. Best Rating of A+: With an A+ rating, Allstate shows excellent financial stability and reliability, positioning it as a dependable choice for auto insurance.
- Local Agent Network: Access to a network of local agents provides personalized service and tailored support, enhancing the experience for those seeking customized auto insurance coverage.
Cons
- Higher Premiums for Certain Drivers: Rates may be higher for drivers with riskier profiles, potentially affecting affordability.
- Limited Discounts for Bundling: Compared to some competitors, Allstate’s bundling discounts might be less generous, which could impact overall savings.
#9 – American Family: Best for Family Discount
Pros
- Family Discount: American Family offers savings for insuring multiple family members, making it a great option if you’re covering several vehicles.
- Flexible Coverage Options: With features like accident forgiveness and roadside assistance, American Family enhances its appeal with versatile coverage options.
- Strong Customer Service: Known for its responsive and helpful support, American Family stands out for its high level of customer service. Follow us through our American Family auto insurance review.
Cons
- Potentially Higher Rates for Young Drivers: Young drivers may face higher premiums, which could affect affordability if you’re looking for insurance in Lubbock, Texas.
- Limited Discounts for High-Risk Drivers: If you have a spotty driving record, you might find fewer discounts, making it harder to get affordable rates.
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#10 – The Hartford: Best for Exclusive Benefits
Pros
- Discount on Bundled Policies: Hartford offers savings when you bundle multiple insurance products, making it an excellent option for those looking to cut costs by combining policies.
- Strong A.M. Best Rating of A+: With its A+ rating, Hartford showcases significant financial strength and reliability, establishing it as a top choice for dependable auto insurance.
- Exclusive Benefits for AARP Members: The Hartford offers special perks for AARP members, making it an attractive choice for those looking for additional benefits in addition to their auto insurance.
Cons
- Higher Premiums for Some Coverage Types: Some coverage options with The Hartford might come with higher premiums, which can affect overall affordability for those seeking extensive coverage.
- Higher Rates for Certain Demographics: Premiums may be higher for specific age groups or driving records that impact affordability. The Hartford auto insurance review provides more details about this.
The Cheapest ZIP Codes in Lubbock
Where you live can significantly influence your auto insurance rate, as insurance companies rely on ZIP codes to assess your risk profile. This means that even a slight change in your address could affect the cost of your coverage, so it’s crucial to update your insurance provider whenever you move.
Lubbock, Texas Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $77 | $152 |
| $76 | $150 |
| $80 | $160 |
| $78 | $155 |
| $74 | $148 |
| $72 | $145 |
| $75 | $150 |
| $73 | $142 |
| $70 | $140 |
| $65 | $130 |
Your ZIP code provides insurers with detailed information that can impact your rates, including the number of accidents reported in your area, the frequency and amount of claims made, the cost of living, the prevalence of car thefts, and the overall crime rate in your neighborhood.
Here are the average rates in Lubbock organized by ZIP codes:
Lubbock, Texas Auto Insurance Monthly Rates by ZIP Code
| ZIP Code | Rates |
|---|---|
| 79424 | $440 |
| 79407 | $443 |
| 79423 | $448 |
| 79413 | $449 |
| 79414 | $451 |
| 79416 | $451 |
| 79410 | $451 |
| 79406 | $466 |
| 79401 | $475 |
| 79412 | $476 |
| 79411 | $477 |
| 79415 | $480 |
| 79403 | $485 |
| 79404 | $486 |
| 79409 | $486 |
| 79402 | $542 |
| 79430 | $644 |
In Lubbock, TX, auto insurance rates vary widely by ZIP code, with average monthly costs ranging from $440 in 79424 to $644 in 79430—a difference of $204, which underscores how much your location can affect your insurance costs.
Understanding these variations can help you make informed decisions about your coverage and potentially save money by considering your location’s impact on insurance costs.
The Best Insurance Based on the Commute
How much you plan to drive in a year can significantly affect your auto insurance premium. If your driving is limited, you might require less than the minimum coverage, making limited-use car insurance a viable option.
Insurance companies factor in your annual mileage when determining your risk profile; the more you drive, the higher the likelihood of being involved in an accident, which increases your risk and, consequently, your premium.
Auto Insurance Discounts From the Top Providers in Lubbock, Texas
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Safe driver, New car, Anti-theft device, Pay-in-full, Early signing, Good student, Vehicle safety features, Multi-car, Paperless billing |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Early signing, Pay-in-full, Multi-car, Accident-free, Bundling, Anti-theft device |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Bundling, Home ownership, Anti-theft device |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Accident-free, Bundling, New car |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Accident-free, Bundling, Anti-theft device |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Bundling, Anti-theft device, Home ownership |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Bundling, Accident-free, Anti-theft device |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Bundling, Anti-theft device, New car |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Bundling, Anti-theft device, Home ownership |
| Multi-policy, Safe driver, Good student, Vehicle safety features, Pay-in-full, Multi-car, Early signing, Accident-free, Bundling, Anti-theft device, Military |
Each insurance carrier may evaluate your driving habits differently, placing you into various risk categories based on their unique models.
According to the Federal Highway Administration, the average driver in Texas covers 15,533 miles annually, slightly above the national average of 14,132 miles.
This figure serves as a valuable benchmark for insurers to assess risk. If you anticipate driving more than this average in the coming year, it’s wise to compare quotes from multiple insurance providers.
By shopping around and comparing quotes, you can find a policy that better aligns with your expected mileage and potentially save on your auto insurance costs. To get started, enter your ZIP code below to see customized rates and find the best coverage for your needs.
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How Coverage Levels Influence Your Insurance Costs
When choosing car insurance in Lubbock, TX, adding extra coverage or policy add-ons can increase your premiums, but it also offers better protection. While minimum liability coverage meets legal requirements, it may not be enough in serious accidents.
Lubbock, Texas Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | B+ | Occasional severe weather |
| Average Claim Size | B | Average repair costs |
| Vehicle Theft Rate | B | Moderate theft rate |
| Traffic Density | C | Moderate congestion |
| Uninsured Drivers Rate | C- | High rate of uninsured drivers |
In Lubbock, the cost difference between primary and comprehensive coverage is relatively small, making it easier to opt for better protection.
U.S. car insurance policies include mandatory minimum liability coverage and optional additional coverage. In Lubbock, the minimum liability includes $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage.
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Ultimately, your coverage level will significantly impact your rates, so assess your needs carefully to find the best balance between cost and protection. It’s also wise to consider the recommended auto insurance coverage levels to ensure you have sufficient protection in place.
The Experience of Driving in Lubbock
Carriers consider various factors that affect auto insurance rates, including your driving history, the type of car you drive, and the road and traffic conditions in your area.
The make, model, and year of your vehicle impact your premium. Safer, more secure cars often lead to lower rates, while vehicles that are costly to repair or prone to theft may increase costs.
Additionally, the quality of roads and traffic patterns in your area are significant; living in a region with well-maintained roads and lighter traffic can result in lower premiums, whereas areas with heavy traffic or poor road conditions may lead to higher rates.
These factors help insurers assess the risk associated with your driving environment and set your auto insurance costs accordingly. To get a personalized quote based on your specific location, enter your ZIP code below.
The Safety of Lubbock’s Streets and Roads
The National Highway Traffic Safety Administration (NHTSA) data is useful for assessing road safety in Lubbock. Lubbock County is not among Texas’s top 10 counties for traffic fatalities, which are highest in Harris, Dallas, and Bexar Counties.
Here are the total number of traffic-related fatalities in Lubbock County from the year 2014 to 2018:
Overview of Traffic-Related Fatalities in Lubbock County
| Year | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|
| Lubbock County | 42 | 40 | 43 | 42 | 24 |
In Lubbock County, fatalities have decreased from 42 in 2014 to 24 in 2018.
The NHTSA provides some interesting data about traffic-related fatalities in Lubbock County, including some of the main causes of these accidents:
Leading Causes of Traffic-Related Fatalities in Lubbock County
| Fatalities | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|
| Fatalities (All Crashes) | 42 | 40 | 43 | 42 | 24 |
| Fatalities in Crashes Involving an Alcohol-Impaired Driver | 19 | 17 | 21 | 24 | 13 |
| Single Vehicle Crash Fatalities | 23 | 23 | 22 | 24 | 18 |
| Fatalities in Crashes Involving a Large Truck by County for 2017 | 4 | 4 | 3 | 4 | 3 |
| Fatalities in Crashes Involving Speeding | 17 | 8 | 11 | 12 | 6 |
| Fatalities in Crashes Involving an Intersection | 13 | 15 | 12 | 14 | 2 |
| Passenger Car Occupant Fatalities | 9 | 13 | 14 | 11 | 4 |
| Pedestrian Fatalities | 9 | 10 | 10 | 10 | 7 |
| Pedalcyclist Fatalities | 1 | 0 | 0 | 2 | 2 |
Key factors include alcohol impairment and speeding, with fatalities involving alcohol dropping from 19 in 2014 to 13 in 2018 and speeding-related fatalities decreasing from 17 in 2014 to 6 in 2018.
It seems that freeways and other principal arterial roads are the most fatal in Lubbock County. Drivers who frequently navigate these high-risk areas may face higher premiums, so it’s essential to consider how these risk factors could impact your need for high-risk auto insurance.
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Auto Accident and Insurance Claims Overview in Lubbock, Texas
Lubbock, Texas, experiences 6,500 auto accidents annually, leading to 5,200 insurance claims. With an average claim size of $4,500, accidents impose significant financial costs. About 13% of drivers remain uninsured, increasing the risk for those with insurance.
The city’s medium traffic density and high rate of weather-related incidents further contribute to drivers’ challenges.
Lubbock, Texas Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 6,500 |
| Total Claims Per Year | 5,200 |
| Average Claim Size | $4,500 |
| Percentage of Uninsured Drivers | 13% |
| Vehicle Theft Rate | 1,100 thefts/year |
| Traffic Density | Medium |
| Weather-Related Incidents | High |
Related content: How to File an Auto Insurance Claim
Vehicle theft is also prevalent, with 1,100 thefts occurring each year. To safeguard yourself against such risks, finding the right coverage is essential.
Whether you’re in Lubbock or need the best Lubbock, Texas auto insurance, comprehensive protection is vital. Enter your ZIP code now to get tailored quotes and ensure you’re fully covered.
Frequently Asked Questions
What is the minimum amount of coverage required to drive in Lubbock?
In Lubbock, the minimum liability coverage required includes bodily injury liability insurance of $30,000 for one person and $60,000 per accident, as well as property damage liability of $25,000 per accident. This coverage ensures that drivers meet the legal requirements for financial responsibility in the event of an accident, providing essential protection for bodily injuries and property damage.
Does Texas follow a no-fault or at-fault auto insurance law?
Texas is a comparative fault state. This means that in case of an accident, the driver who is more than 50 percent at fault will bear the financial responsibility. Start saving on your auto insurance by entering your ZIP code below and comparing quotes.
How can teen drivers reduce their insurance premiums?
As a teen driver, your insurance costs will decrease as you gain experience. However, you can start saving on premiums right away by adding yourself to the policy of an older driver, choosing an affordable first car, and ensuring that the vehicle has safety features that may qualify for discounts.
Which is the cheapest car insurance company in Lubbock?
USAA is recognized as the most affordable car insurance provider in Lubbock, offering the lowest average monthly insurance rate of $150. This competitive pricing reflects USAA’s commitment to providing cost-effective coverage, particularly for military personnel and their families.
How can I get high-risk auto insurance in Lubbock?
You can apply for a high-risk insurance plan in Texas through the Texas Automobile Insurance Plan Association. You can only purchase the minimum liability insurance required to drive in the state legally.
How can I find affordable auto insurance in Lubbock, TX?
To find affordable comprehensive auto insurance in Lubbock, TX, it’s recommended to compare quotes from multiple insurance providers. Reach out to brokers, use online comparison tools, or visit insurer websites to get quotes. Consider your driving record, vehicle type, available discounts, and coverage limits to find affordable options.
What factors can affect my auto insurance rates in Lubbock, TX?
Several factors can influence your auto insurance rates in Lubbock, TX. These may include your age, gender, marital status, driving history, type of vehicle, annual mileage, credit score, and the coverage options you choose. Additionally, local factors such as the area where you reside and the frequency of accidents or thefts in that area can impact your rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.