Cheap Car Insurance in Lubbock, Texas

Written by Xuyun Zeng and 2 others
Updated Mar 11, 2025
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Cheap Car Insurance in Lubbock, Texas

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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.

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 per accident.
  • $25,000 for property damage.

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

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$37 $441 Progressive 47 May 4, 2025 Lubbock, TX 79424
$44 $533 Progressive 70 June 7, 2024 Lubbock, TX 79404
$47 $565 Progressive 39 November 11, 2023 Lubbock, TX 79414
$50 $605 Progressive 53 January 23, 2024 Lubbock, TX 79403
$51 $609 Progressive 36 February 5, 2025 Lubbock, TX 79415
$54 $649 Aspen 38 October 2, 2024 Lubbock, TX 79416
$56 $675 Progressive 33 February 27, 2024 Lubbock, TX 79407
$61 $737 Bluefire 32 July 6, 2024 Lubbock, TX 79415
$62 $741 Progressive 28 April 14, 2024 Lubbock, TX 79401
$62 $747 Progressive 26 February 5, 2025 Lubbock, TX 79423
Last Updated May 9, 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.

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 Policy
City, State
ZIP Code
$51 $609 Progressive 36 February 5, 2025 Lubbock, TX 79415
$64 $763 Aspen 62 January 31, 2024 Lubbock, TX 79423
$67 $803 Progressive 26 May 28, 2024 Lubbock, TX 79415
$79 $945 Clearcover 50 April 7, 2025 Lubbock, TX 79412
$82 $989 Progressive 42 April 15, 2025 Lubbock, TX 79403
$91 $1,091 Progressive 31 March 31, 2025 Lubbock, TX 79401
$98 $1,177 Progressive 35 January 30, 2025 Lubbock, TX 79416
$100 $1,202 Progressive 30 March 30, 2025 Lubbock, TX 79403
$105 $1,257 Progressive 74 October 24, 2024 Lubbock, TX 79407
$109 $1,305 Progressive 56 February 25, 2025 Lubbock, TX 79404
Last Updated May 9, 2025

Compare: The 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 Policy
City, State
ZIP Code
$62 $741 Progressive 28 No April 14, 2024 Lubbock, TX 79401
$62 $747 Progressive 26 No February 5, 2025 Lubbock, TX 79423
$67 $803 Progressive 26 Yes May 28, 2024 Lubbock, TX 79415
$80 $957 Progressive 26 No October 18, 2024 Lubbock, TX 79411
$82 $985 Progressive 27 No August 9, 2024 Lubbock, TX 79415
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
$37 $441 Progressive 47 No May 4, 2025 Lubbock, TX 79424
$47 $565 Progressive 39 No November 11, 2023 Lubbock, TX 79414
$50 $605 Progressive 53 No January 23, 2024 Lubbock, TX 79403
$51 $609 Progressive 36 Yes February 5, 2025 Lubbock, TX 79415
$54 $649 Aspen 38 No October 2, 2024 Lubbock, TX 79416
Last Updated May 9, 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 Policy
City, State
ZIP Code
Has Full Coverage
$44 $533 Progressive 70 June 7, 2024 Lubbock, TX 79404 No
$64 $763 Aspen 62 January 31, 2024 Lubbock, TX 79423 Yes
$73 $879 The General 58 April 13, 2025 Lubbock, TX 79411 No
$77 $919 Progressive 59 April 29, 2025 Lubbock, TX 79424 No
$81 $973 National General 59 April 26, 2024 Lubbock, TX 79424 No
Last Updated May 9, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$44 $533 Progressive 70 June 7, 2024 No Lubbock, TX 79404
$50 $605 Progressive 53 January 23, 2024 No Lubbock, TX 79403
$51 $609 Progressive 36 February 5, 2025 Yes Lubbock, TX 79415
$56 $675 Progressive 33 February 27, 2024 No Lubbock, TX 79407
$62 $741 Progressive 28 April 14, 2024 No Lubbock, TX 79401
$62 $747 Progressive 36 March 4, 2024 No Lubbock, TX 79416
$62 $747 Progressive 26 February 5, 2025 No Lubbock, TX 79423
$64 $763 Aspen 62 January 31, 2024 Yes Lubbock, TX 79423
$64 $771 Progressive 32 January 9, 2024 No Lubbock, TX 79412
$66 $787 Progressive 52 February 19, 2024 No Lubbock, TX 79404
Last Updated May 9, 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 $44 $533 Progressive 70 June 7, 2024 Lubbock, TX 79404
<550 $77 $929 Progressive 54 December 13, 2023 Lubbock, TX 79424
<550 $78 $939 The General 53 September 22, 2024 Lubbock, TX 79412
<550 $80 $959 Progressive 50 December 16, 2024 Lubbock, TX 79423
<550 $80 $965 Aspen 44 March 25, 2024 Lubbock, TX 79423
Last Updated May 9, 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 $47 $565 Progressive 39 No November 11, 2023 Lubbock, TX 79414
At Fault With No Injury $76 $913 Progressive 43 No January 16, 2025 Lubbock, TX 79407
At Fault With No Injury $89 $1,069 Progressive 30 No November 30, 2024 Lubbock, TX 79424
At Fault With No Injury $92 $1,099 Progressive 25 No December 14, 2023 Lubbock, TX 79416
At Fault With No Injury $93 $1,121 Progressive 25 No January 22, 2024 Lubbock, TX 79407
Last Updated May 9, 2025

Cheapest car insurance for drivers with speeding tickets in Lubbock

A speeding ticket 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 $91 $1,091 Gainsco 34 April 17, 2025 Lubbock, TX 79407
Speeding under 15 $102 $1,227 National General 37 September 16, 2024 Lubbock, TX 79423
Speeding under 15 $121 $1,449 Bluefire 33 March 28, 2024 Lubbock, TX 79407
Speeding under 15 $143 $1,717 Progressive 44 February 3, 2024 Lubbock, TX 79407
Speeding over 15 $171 $2,057 Progressive 30 February 22, 2025 Lubbock, TX 79414
Last Updated May 9, 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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds 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.