Cheap Car Insurance in Lubbock, Texas (August 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 23, 2025
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Cheap Car Insurance in Lubbock, Texas (August 2025)

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Lubbock has its fair share of traffic challenges: big trucks and tractors on rural roads, merging on and off Loop 289, and most daunting of all, the haboobs.

Whether you’re headed to a game at Texas Tech or taking care of business in the Hub City, it’s smart to have a robust car insurance policy in place. Jerry can help you get adequate coverage and compare prices based on your age, preferred coverage level and driving history.

More: Best car insurance in Texas

Cheapest minimum coverage insurance in Lubbock

Texas requires drivers to carry these minimum coverages:

  • $30,000 of bodily injury per person.
  • $60,000 of bodily injury per accident.
  • $25,000 for property damage.

Here are the cheapest quotes that drivers in Lubbock have received for minimum coverage via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$37 $445 Progressive 37 June 13, 2025 Lubbock, TX 79416
$42 $501 Progressive 31 June 15, 2025 Lubbock, TX 79412
$42 $506 Bluefire 44 July 10, 2025 Lubbock, TX 79413
$44 $530 Bluefire 42 June 20, 2025 Lubbock, TX 79414
$45 $539 Progressive 40 June 18, 2025 Lubbock, TX 79423
$46 $547 Progressive 44 June 26, 2025 Lubbock, TX 79407
$46 $549 Progressive 31 March 19, 2025 Lubbock, TX 79415
$48 $576 Bluefire 39 June 16, 2025 Lubbock, TX 79403
$53 $635 Progressive 41 June 19, 2025 Lubbock, TX 79415
$53 $641 Progressive 41 June 19, 2025 Lubbock, TX 79407
Last Updated Jul, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

More: Best car insurance companies

Cheapest full coverage insurance in Lubbock

FEMA’s National Risk Index shows that Lubbock faces hazards such as hail, strong winds and riverine flooding. Should a storm or natural disaster damage your car, minimum coverage will not help you make repairs, but full coverage may. Here are the cheapest full coverage quotes that Jerry customers in Lubbock have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$53 $635 Progressive 41 June 19, 2025 Lubbock, TX 79415
$71 $857 Progressive 49 June 20, 2025 Lubbock, TX 79423
$82 $987 Progressive 46 April 18, 2025 Lubbock, TX 79412
$83 $999 Progressive 46 June 26, 2025 Lubbock, TX 79423
$84 $1,012 Electric 44 June 26, 2025 Lubbock, TX 79407
$85 $1,024 Bluefire 41 June 19, 2025 Lubbock, TX 79403
$87 $1,042 Electric 38 June 15, 2025 Lubbock, TX 79423
$88 $1,050 Safeco 51 July 9, 2025 Lubbock, TX 79424
$88 $1,057 Assurance America 56 June 25, 2025 Lubbock, TX 79414
$91 $1,092 Clearcover 44 June 26, 2025 Lubbock, TX 79407
Last Updated Jul, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance in Texas

Cheapest car insurance for young drivers in Lubbock (18-29 years old)

Young drivers typically pay higher rates because insurers view their limited driving experience as risky. Insurers weigh this risk differently, so it’s wise to get quotes from multiple insurers. Below are the cheapest car insurance quotes that young Jerry customers in Lubbock have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$57 $685 Assurance America 29 No May 27, 2025 Lubbock, TX 79414
$81 $973 National General 28 No June 27, 2025 Lubbock, TX 79415
$98 $1,173 Bristol West 29 No June 29, 2025 Lubbock, TX 79423
$99 $1,193 Bristol West 29 No June 22, 2025 Lubbock, TX 79404
$104 $1,252 Clearcover 22 No June 20, 2025 Lubbock, TX 79412
Last Updated Jul, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Lubbock (30-54 years old)

Drivers between 30 and 54 years old typically receive lower rates than younger drivers. To keep your premium as low as possible, it’s wise to regularly compare quotes from different insurers. Here are the cheapest car insurance quotes that drivers in Lubbock between 30 and 54 have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$37 $445 Progressive 37 No June 13, 2025 Lubbock, TX 79416
$44 $530 Bluefire 42 No June 20, 2025 Lubbock, TX 79414
$45 $539 Progressive 40 No June 18, 2025 Lubbock, TX 79423
$46 $549 Progressive 31 No March 19, 2025 Lubbock, TX 79415
$48 $576 Bluefire 39 No June 16, 2025 Lubbock, TX 79403
Last Updated Jul, 2025

Cheapest car insurance for older drivers in Lubbock (55+ years old)

Drivers who are older than 54 typically see their insurance rates fall until they reach their 70s, when rates could start creeping upwards. Check out the cheapest quotes for older drivers in Lubbock, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$59 $702 Bluefire 55 July 16, 2025 Lubbock, TX 79403 No
$61 $737 The General 56 March 29, 2025 Lubbock, TX 79407 No
$70 $843 Assurance America 60 April 3, 2025 Lubbock, TX 79416 No
$71 $852 Clearcover 70 March 29, 2025 Lubbock, TX 79424 No
$75 $901 The General 79 February 9, 2025 Lubbock, TX 79424 No
Last Updated Jul, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Lubbock

Having no violations or claims in your driving record typically gets you the cheapest insurance premium. Here are the cheapest quotes for drivers with clean records in Lubbock, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$37 $445 Progressive 37 June 13, 2025 No Lubbock, TX 79416
$44 $530 Bluefire 42 June 20, 2025 No Lubbock, TX 79414
$45 $539 Progressive 40 June 18, 2025 No Lubbock, TX 79423
$46 $549 Progressive 31 March 19, 2025 No Lubbock, TX 79415
$48 $576 Bluefire 39 June 16, 2025 No Lubbock, TX 79403
$53 $635 Progressive 41 June 19, 2025 Yes Lubbock, TX 79415
$57 $685 Assurance America 29 May 27, 2025 No Lubbock, TX 79414
$59 $702 Bluefire 55 July 16, 2025 No Lubbock, TX 79403
$60 $718 Safeco 32 July 1, 2025 No Lubbock, TX 79424
$61 $729 The General 49 February 27, 2025 No Lubbock, TX 79403
Last Updated Jul, 2025

Cheapest car insurance for drivers with low credit scores in Lubbock

Texas allows insurance providers to use credit-based insurance scores to price policies, meaning a low credit score could lead to an expensive policy. If you have a low score, comparing quotes from multiple insurers could help you find the most affordable coverage. Here are the cheapest quotes that drivers in Lubbock with credit scores under 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $52 $619 Progressive 30 July 12, 2025 Lubbock, TX 79416
<550 $53 $637 Bluefire 57 March 20, 2024 Lubbock, TX 79423
<550 $74 $891 Progressive 38 February 9, 2025 Lubbock, TX 79414
<550 $80 $959 Progressive 50 December 16, 2024 Lubbock, TX 79423
<550 $89 $1,071 Progressive 33 March 12, 2024 Lubbock, TX 79415
Last Updated Jul, 2025

Cheapest car insurance for drivers with at-fault accidents in Lubbock

A new at-fault accident on your record typically causes your auto policy premium to rise. If you’ve recently been in an accident, it’s wise to compare quotes before your policy renews to find the cheapest option. Here are the cheapest quotes that Lubbock drivers with at-fault collisions on their records have gotten via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $54 $645 Progressive 23 No May 30, 2025 Lubbock, TX 79415
At Fault With No Injury $71 $849 Progressive 27 No August 5, 2024 Lubbock, TX 79416
At Fault With No Injury $74 $887 Progressive 28 No June 21, 2025 Lubbock, TX 79416
At Fault With No Injury $76 $913 Progressive 43 No January 16, 2025 Lubbock, TX 79407
At Fault With No Injury $83 $993 Progressive 41 No April 24, 2025 Lubbock, TX 79412
Last Updated Jul, 2025

Cheapest car insurance for drivers with speeding tickets in Lubbock

A speeding citation often causes your policy premium to rise, but the degree of this increase varies by insurer. Here are the cheapest quotes for drivers with speeding tickets in Lubbock, based on Jerry’s customer data.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $58 $697 Progressive 32 June 2, 2025 Lubbock, TX 79407
Speeding over 15 $66 $791 Progressive 37 October 4, 2024 Lubbock, TX 79423
Speeding under 15 $73 $875 Progressive 34 July 14, 2024 Lubbock, TX 79401
Speeding under 15 $102 $1,227 National General 37 September 16, 2024 Lubbock, TX 79423
Speeding under 15 $114 $1,367 Bluefire 37 July 13, 2025 Lubbock, TX 79403
Last Updated Jul, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.