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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $37 | $441 | 48 | 09/18/25 | 79423 | ||
| $37 | $443 | 41 | 06/19/25 | 79415 | ||
| $40 | $482 | 50 | 08/08/25 | 79404 | ||
| $42 | $505 | 46 | 06/26/25 | 79423 | ||
| $43 | $513 | 25 | 09/25/25 | 79423 | ||
| $47 | $559 | 25 | 10/07/25 | 79424 | ||
| $47 | $566 | 36 | 06/14/25 | 79416 | ||
| $49 | $582 | 41 | 06/19/25 | 79403 | ||
| $51 | $612 | 65 | 06/29/25 | 79416 | ||
| $51 | $612 | 29 | 10/03/25 | 79424 |
If you have a loan or lease on your vehicle, the lender will require
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $62 | $747 | 42 | 06/22/25 | 79407 | ||
| $64 | $766 | 41 | 09/03/25 | 79415 | ||
| $65 | $779 | 38 | 06/17/25 | 79403 | ||
| $66 | $795 | 57 | 09/25/25 | 79415 | ||
| $73 | $877 | 44 | 06/26/25 | 79407 | ||
| $73 | $881 | 51 | 08/20/25 | 79416 | ||
| $75 | $899 | 79 | 08/16/25 | 79415 | ||
| $75 | $900 | 43 | 07/13/25 | 79424 | ||
| $83 | $993 | 57 | 08/02/25 | 79403 | ||
| $87 | $1,038 | 41 | 09/03/25 | 79415 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $559 | 25 | No | 10/07/25 | 79424 | ||
| $60 | $719 | 29 | No | 08/06/25 | 79412 | ||
| $62 | $742 | 26 | No | 10/06/25 | 79416 | ||
| $70 | $837 | 29 | No | 08/04/25 | 79410 | ||
| $78 | $934 | 27 | No | 08/15/25 | 79411 | ||
| $73 | $881 | 51 | 08/20/25 | 79416 | |||
| $75 | $899 | 79 | 08/16/25 | 79415 | |||
| $75 | $900 | 43 | 07/13/25 | 79424 | |||
| $83 | $993 | 57 | 08/02/25 | 79403 | |||
| $87 | $1,038 | 41 | 09/03/25 | 79415 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $37 | $441 | 48 | No | 09/18/25 | 79423 | ||
| $37 | $443 | 41 | No | 06/19/25 | 79415 | ||
| $40 | $482 | 50 | No | 08/08/25 | 79404 | ||
| $42 | $505 | 46 | No | 06/26/25 | 79423 | ||
| $47 | $566 | 36 | No | 06/14/25 | 79416 | ||
| $73 | $881 | 51 | 08/20/25 | 79416 | |||
| $75 | $899 | 79 | 08/16/25 | 79415 | |||
| $75 | $900 | 43 | 07/13/25 | 79424 | |||
| $83 | $993 | 57 | 08/02/25 | 79403 | |||
| $87 | $1,038 | 41 | 09/03/25 | 79415 |
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.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $51 | $612 | 65 | 06/29/25 | 79416 | No | ||
| $53 | $640 | 56 | 08/31/25 | 79407 | No | ||
| $61 | $734 | 66 | 08/18/25 | 79423 | No | ||
| $70 | $845 | 67 | 09/23/25 | 79415 | No | ||
| $72 | $859 | 59 | 07/26/25 | 79423 | No | ||
| $73 | $881 | 51 | 08/20/25 | 79416 | |||
| $75 | $899 | 79 | 08/16/25 | 79415 | |||
| $75 | $900 | 43 | 07/13/25 | 79424 | |||
| $83 | $993 | 57 | 08/02/25 | 79403 | |||
| $87 | $1,038 | 41 | 09/03/25 | 79415 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $37 | $441 | 48 | 09/18/25 | No | 79423 | ||
| $37 | $443 | 41 | 06/19/25 | No | 79415 | ||
| $40 | $482 | 50 | 08/08/25 | No | 79404 | ||
| $42 | $505 | 46 | 06/26/25 | No | 79423 | ||
| $47 | $559 | 25 | 10/07/25 | No | 79424 | ||
| $47 | $566 | 36 | 06/14/25 | No | 79416 | ||
| $49 | $582 | 41 | 06/19/25 | No | 79403 | ||
| $51 | $612 | 65 | 06/29/25 | No | 79416 | ||
| $53 | $640 | 56 | 08/31/25 | No | 79407 | ||
| $55 | $658 | 46 | 07/31/25 | No | 79414 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
|
Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Policy
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City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $50 | $601 | 34 | 08/17/25 | 79415 | ||
| <550 | $52 | $619 | 30 | 07/12/25 | 79416 | ||
| <550 | $70 | $845 | 51 | 08/20/25 | 79416 | ||
| <550 | $74 | $891 | 38 | 02/09/25 | 79414 | ||
| <550 | $79 | $952 | 30 | 09/25/25 | 79416 | ||
| $47 | $566 | 36 | 79416 | ||||
| $49 | $582 | 41 | 79403 | ||||
| $51 | $612 | 65 | 79416 | ||||
| $53 | $640 | 56 | 79407 | ||||
| $55 | $658 | 46 | 79414 |
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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Policy
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $54 | $645 | 23 | No | 05/30/25 | 79415 | ||
| At Fault With No Injury | $71 | $849 | 27 | No | 08/05/24 | 79416 | ||
| At Fault With No Injury | $73 | $877 | 56 | No | 07/17/25 | 79416 | ||
| At Fault With No Injury | $74 | $887 | 28 | No | 06/21/25 | 79416 | ||
| At Fault With No Injury | $76 | $913 | 43 | No | 01/16/25 | 79407 | ||
| $47 | $566 | 36 | No | 79416 | ||||
| $49 | $582 | 41 | No | 79403 | ||||
| $51 | $612 | 65 | No | 79416 | ||||
| $53 | $640 | 56 | No | 79407 | ||||
| $55 | $658 | 46 | No | 79414 |
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
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $29 | $347 | 26 | 06/02/25 | 79413 | ||
| Speeding under 15 | $65 | $779 | 34 | 06/15/25 | 79401 | ||
| Speeding over 15 | $83 | $999 | 45 | 10/19/25 | 79416 | ||
| Speeding over 15 | $90 | $1,082 | 24 | 10/01/25 | 79423 | ||
| Speeding over 15 | $105 | $1,255 | 22 | 08/04/25 | 79423 | ||
| $47 | $566 | 36 | 06/14/25 | 79416 | |||
| $49 | $582 | 41 | 06/19/25 | 79403 | |||
| $51 | $612 | 65 | 06/29/25 | 79416 | |||
| $53 | $640 | 56 | 08/31/25 | 79407 | |||
| $55 | $658 | 46 | 07/31/25 | 79414 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
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.
