Car Insurance in Lubbock, Texas
Estimated full coverage in Lubbock runs about $1,815 a year ($151/month) — ▼ −4% versus the Texas average, ranking 51st most expensive of the 57 Texas cities we cover.
Why car insurance in Lubbock costs less than the Texas average
Insurers price by territory, and Lubbock's numbers explain most of the gap. With 272,086 residents on 143.2 square miles, the city's density (1,900 people per square mile) is 2.8 times the density where the typical Texas resident lives (670). The average commute is 16.3 minutes (Texas: 26.7), and 77% of workers drive alone. Together these put our location factor at 0.96× the state baseline for liability and collision, and 0.95× for comprehensive once FEMA weather risk for Lubbock County is included.
| Factor | Lubbock | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 1,900 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 16.3 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.5% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.3% | — | Share of workers commuting by car. |
| Public transit to work | 0.7% | — | Transit use lowers how much residents drive. |
| Work from home | 7.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 87.5 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Lubbock
Rates can change from one ZIP code to the next. Across 11 Lubbock ZIP codes, our full-coverage estimate ranges from $1,600 in 79403 to $1,925 in 79411. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 79424 | 53,478 | 1,286 | 18.4 min | 3.3% | $1,810 | 0% |
| 79416 | 36,442 | 1,134 | 15.9 min | 4.1% | $1,765 | −3% |
| 79413 | 23,343 | 4,985 | 14.4 min | 3.2% | $1,875 | +3% |
| 79414 | 17,596 | 5,549 | 14.1 min | 8.3% | $1,880 | +4% |
| 79403 | 16,089 | 123 | 17.8 min | 7.4% | $1,600 | −12% |
| 79412 | 15,018 | 4,679 | 17.8 min | 10.8% | $1,920 | +6% |
| 79410 | 10,137 | 4,196 | 13.1 min | 6.2% | $1,840 | +1% |
| 79401 | 8,741 | 3,473 | 13.4 min | 14.2% | $1,825 | +1% |
| 79404 | 8,529 | 299 | 19.6 min | 6.9% | $1,700 | −6% |
| 79406 | 7,995 | 8,381 | 11.9 min | — | $1,885 | +4% |
| 79411 | 6,865 | 4,626 | 18.2 min | 12.2% | $1,925 | +6% |
Minimum car insurance in Lubbock
Lubbock drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Lubbock at $665 a year, and $925 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Lubbock premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Lubbock County as very high for hail, relatively moderate for inland flooding and very high for strong wind, and very low for hurricanes.
Traffic & commuting
3.5% of Lubbock commuters spend an hour or more getting to work, and there are 1.72 vehicles per household. 7.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 98.8 | Comprehensive; dwelling | |
| Hurricane | 47.2 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 92.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.8 | Comprehensive; dwelling | |
| Winter weather | 98.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Lubbock by driver profile
A clean-record driver in their 50s pays the least in our Lubbock model (about $1,670 for full coverage); an 18-year-old on their own policy pays about $4,990, and a DUI pushes a 30-something to $3,360.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,825 | $2,545 | $4,990 | $416 |
| Young adult (22) | $1,060 | $1,480 | $2,905 | $242 |
| Adult in their 30s | $665 | $925 | $1,815 | $151 |
| Adult in their 50s | $610 | $850 | $1,670 | $139 |
| Senior (72) | $745 | $1,035 | $2,035 | $170 |
| 30s, one at-fault accident | $960 | $1,340 | $2,630 | $219 |
| 30s, DUI on record | $1,230 | $1,710 | $3,360 | $280 |
Minimum vs. standard vs. full coverage in Lubbock
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $665 | $55 | $545–$785 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $925 | $77 | $760–$1,090 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,815 | $151 | $1,490–$2,140 |
Estimate your premium in Lubbock
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Lubbock: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Lubbock's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $125 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $125 | You're among the 7.1% of Lubbock workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $490 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $890 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $400 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Lubbock
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 102 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Lubbock, our estimates differ by up to $325 a year between neighborhoods.
Car insurance agents near Lubbock, TX
We found 102 insurance offices within about 9 miles of central Lubbock, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
William Lee Smith - Farmers Insurance
3410 Joliet Ave, Lubbock, TX 79413 -
StateFarm - State Farm
TX -
24/7 Insurance
3210 34th Street, #B, Lubbock, TX 79410 -
Farmers Insurance
3206 34th Street, #B, Lubbock, TX 79410 -
Abelardo Tomas Mata - Farmers Insurance
4142 34th St, Lubbock, TX 79410 -
State Farm
TX -
Advanced Insurance
TX -
Fred Loya Insurance
TX -
Cassandra Nicole Hernandez - Farmers Insurance
3008 50th St, Lubbock, TX 79413 -
Alan Henry Insurance Agency
3405 19th Street, Lubbock, TX 79410 -
State Farm
TX -
Maria Valeriano
TX -
Freeway Insurance
2406 34th ST, Lubbock, TX 79411 -
State Farm
TX -
Avara Insurance
TX -
James Anthony White - Farmers Insurance
4518 50th St, Lubbock, TX 79414 -
Farmers Insurance
TX -
Roddy Simmons State Farm
2124 34th Street, Lubbock, TX 79411 -
Allstate
TX -
Jeremy Melius - State Farm
2418 19th Street, Lubbock, TX 79401 -
All Quote Insurance
TX -
Russell Donaway Insurance Services LLC
6301 Indiana Ave, Lubbock, TX 79413 -
Christopher Wade Wortham - Farmers Insurance
3233 63rd St, Lubbock, TX 79413 -
Christopher Ryan Bolanos - Farmers Insurance
5007 Avenue U, Lubbock, TX 79412 -
AutoPartners Auto Insurance
TX -
Freeway Insurance
1711 34th St, Lubbock, TX 79411 -
Nationwide
TX -
State Farm
TX -
John Timothy Cotton - Farmers Insurance
3602 Slide Rd, Lubbock, TX 79414 -
State Farm
TX -
Acceptance Auto Insurance
TX -
Cam Fannin Insurance
TX -
Progressive
TX -
Nationsplan Insurance
TX -
Fransan Insurance Services
TX -
Freeway Insurance
5302 Slide Road, #B, Lubbock, TX 79414 -
James Allen Gibson - Farmers Insurance
3402 73rd Street, Lubbock, TX 79423 -
John Randall Macken - Farmers Insurance
3223 S Loop 289, Lubbock, TX 79423 -
Hettler Insurance Agency
4432 South Loop 289, Lubbock, TX 79414 -
Farmers Insurance - Randy Calderon
1314 50th Street, Lubbock, TX 79412
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Lubbock
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,360 | −25% |
| Subaru Outback | Wagon | $1,365 | −25% |
| Tesla Model 3 | Midsize car | $1,890 | +4% |
| Subaru Forester | Small SUV | $1,340 | −26% |
| Honda Civic | Compact car | $2,050 | +13% |
| Toyota Corolla | Compact car | $1,920 | +6% |
| Jeep Wrangler | Midsize SUV | $1,490 | −18% |
| Mazda CX-5 | Small SUV | $1,525 | −16% |
| MINI Cooper | Subcompact car | $1,370 | −25% |
| Tesla Model Y | Midsize SUV | $1,700 | −6% |
More car insurance topics in Lubbock
Car insurance in nearby Texas cities
- Midland $1,870/yr · 107 mi
- Amarillo $1,860/yr · 113 mi
- Odessa $1,935/yr · 119 mi
- Abilene $1,745/yr · 146 mi
- San Angelo $1,835/yr · 169 mi
- Wichita Falls $1,740/yr · 195 mi
- Fort Worth $2,060/yr · 268 mi
- Denton $1,940/yr · 275 mi
- Southlake $1,955/yr · 277 mi
- Arlington $2,095/yr · 282 mi
- Lewisville $2,030/yr · 286 mi
- Grand Prairie $2,080/yr · 288 mi
All Texas cities and state rules · Homeowners insurance in Lubbock
Frequently asked questions
How much is car insurance in Lubbock, TX?
We estimate full coverage in Lubbock at about $1,815 a year ($151 a month) for a driver in their 30s with a clean record, and about $665 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Lubbock cheaper than the Texas average?
Our Lubbock estimate is 4% lower than the statewide figure. The model reflects a population density of 1,900 people per square mile (the typical Texas resident lives at about 670) and an average commute of 16.3 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Lubbock?
Drivers in Lubbock follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Lubbock has the cheapest car insurance?
Among Lubbock's 11 ZIP codes, 79403 has the lowest estimate (about $1,600 a year for full coverage) and 79411 the highest (about $1,925), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Lubbock?
An 18-year-old with their own full-coverage policy would pay around $4,990 a year in Lubbock by our estimate ($1,825 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Lubbock?
Yes. FEMA's National Risk Index rates Lubbock County for hail (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Lubbock?
We list 102 insurance offices in and around Lubbock, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Lubbock and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places