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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $491 | Progressive | 26 | October 11, 2023 | Lubbock, TX | 79407 |
| $41 | $491 | Progressive | 29 | August 25, 2024 | Lubbock, TX | 79423 |
| $41 | $495 | Progressive | 38 | January 10, 2024 | Lubbock, TX | 79416 |
| $42 | $499 | Safeco | 34 | January 8, 2024 | Lubbock, TX | 79404 |
| $44 | $533 | Progressive | 70 | June 7, 2024 | Lubbock, TX | 79404 |
| $47 | $558 | Progressive | 43 | February 11, 2025 | Lubbock, TX | 79424 |
| $47 | $565 | Progressive | 39 | November 11, 2023 | Lubbock, TX | 79414 |
| $47 | $567 | Progressive | 26 | October 5, 2024 | Lubbock, TX | 79407 |
| $48 | $577 | Progressive | 38 | March 10, 2025 | Lubbock, TX | 79416 |
| $49 | $587 | Progressive | 46 | October 31, 2023 | Lubbock, TX | 79413 |
If you have a loan or lease on your vehicle, the lender will require
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $491 | Progressive | 29 | August 25, 2024 | Lubbock, TX | 79423 |
| $47 | $558 | Progressive | 43 | February 11, 2025 | Lubbock, TX | 79424 |
| $48 | $577 | Progressive | 38 | March 10, 2025 | Lubbock, TX | 79416 |
| $51 | $609 | Progressive | 36 | February 5, 2025 | Lubbock, TX | 79415 |
| $64 | $763 | Aspen | 62 | January 31, 2024 | Lubbock, TX | 79423 |
| $64 | $763 | Progressive | 62 | September 22, 2024 | Lubbock, TX | 79416 |
| $64 | $763 | Progressive | 62 | September 23, 2024 | Lubbock, TX | 79416 |
| $66 | $789 | Progressive | 33 | March 13, 2024 | Lubbock, TX | 79413 |
| $67 | $801 | Progressive | 40 | October 21, 2024 | Lubbock, TX | 79401 |
| $67 | $803 | Progressive | 26 | May 28, 2024 | Lubbock, TX | 79415 |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $491 | Progressive | 26 | No | October 11, 2023 | Lubbock, TX | 79407 |
| $41 | $491 | Progressive | 29 | Yes | August 25, 2024 | Lubbock, TX | 79423 |
| $47 | $567 | Progressive | 26 | No | October 5, 2024 | Lubbock, TX | 79407 |
| $55 | $665 | Progressive | 28 | No | April 11, 2024 | Lubbock, TX | 79411 |
| $57 | $679 | Progressive | 25 | No | January 17, 2025 | Lubbock, TX | 79423 |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $495 | Progressive | 38 | No | January 10, 2024 | Lubbock, TX | 79416 |
| $42 | $499 | Safeco | 34 | No | January 8, 2024 | Lubbock, TX | 79404 |
| $46 | $555 | Progressive | 35 | No | January 30, 2025 | Lubbock, TX | 79416 |
| $47 | $558 | Progressive | 43 | Yes | February 11, 2025 | Lubbock, TX | 79424 |
| $47 | $565 | Progressive | 39 | No | November 11, 2023 | Lubbock, TX | 79414 |
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.
|
Avg Monthly Quote
|
Avg 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 |
| $49 | $591 | Safeco | 73 | November 3, 2023 | Lubbock, TX | 79424 | No |
| $50 | $601 | Assurance America | 67 | December 4, 2024 | Lubbock, TX | 79423 | No |
| $53 | $637 | Bluefire | 57 | March 20, 2024 | Lubbock, TX | 79423 | No |
| $57 | $681 | Aspen | 57 | March 20, 2024 | Lubbock, TX | 79423 | No |
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.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $499 | Safeco | 34 | January 8, 2024 | No | Lubbock, TX | 79404 |
| $44 | $533 | Progressive | 70 | June 7, 2024 | No | Lubbock, TX | 79404 |
| $46 | $555 | Progressive | 35 | January 30, 2025 | No | Lubbock, TX | 79416 |
| $47 | $558 | Progressive | 43 | February 11, 2025 | Yes | Lubbock, TX | 79424 |
| $48 | $577 | Progressive | 38 | March 10, 2025 | Yes | Lubbock, TX | 79416 |
| $48 | $577 | Progressive | 38 | March 10, 2025 | No | Lubbock, TX | 79416 |
| $49 | $587 | Progressive | 46 | October 31, 2023 | No | Lubbock, TX | 79413 |
| $49 | $591 | Safeco | 73 | November 3, 2023 | No | Lubbock, TX | 79424 |
| $50 | $601 | Assurance America | 67 | December 4, 2024 | No | Lubbock, TX | 79423 |
| $50 | $605 | Progressive | 53 | January 23, 2024 | No | Lubbock, TX | 79403 |
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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $44 | $533 | Progressive | 70 | June 7, 2024 | Lubbock, TX | 79404 |
| <550 | $53 | $637 | Bluefire | 57 | March 20, 2024 | Lubbock, TX | 79423 |
| <550 | $57 | $681 | Aspen | 57 | March 20, 2024 | Lubbock, TX | 79423 |
| <550 | $68 | $817 | Progressive | 31 | January 29, 2025 | Lubbock, TX | 79416 |
| <550 | $74 | $889 | Progressive | 42 | February 8, 2025 | Lubbock, TX | 79403 |
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
|
Avg Monthly Quote
|
Avg 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 | $55 | $665 | Progressive | 28 | No | April 11, 2024 | Lubbock, TX | 79411 |
| At Fault With No Injury | $59 | $703 | Progressive | 28 | No | February 19, 2024 | Lubbock, TX | 79411 |
| At Fault With No Injury | $66 | $793 | The General | 65 | No | February 24, 2024 | Lubbock, TX | 79411 |
| At Fault With No Injury | $69 | $823 | Progressive | 33 | No | September 25, 2024 | Lubbock, TX | 79424 |
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
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $41 | $491 | Progressive | 29 | August 25, 2024 | Lubbock, TX | 79423 |
| Speeding over 15 | $41 | $491 | Progressive | 26 | October 11, 2023 | Lubbock, TX | 79407 |
| Speeding over 15 | $47 | $567 | Progressive | 26 | October 5, 2024 | Lubbock, TX | 79407 |
| Speeding over 15 | $56 | $667 | Aspen | 37 | October 4, 2024 | Lubbock, TX | 79423 |
| Speeding under 15 | $60 | $721 | Progressive | 34 | July 12, 2024 | Lubbock, TX | 79401 |
Cheapest car insurance for drivers with DUIs in Lubbock
A DUI typically causes a noticeable car insurance rate hike and may cause some insurers to refuse coverage. If you’ve recently been cited, getting multiple quotes can help you find the cheapest policy. Below are the cheapest quotes Lubbock drivers with DUIs have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $69 | $823 | Progressive | 33 | September 25, 2024 | Lubbock, TX | 79424 |
| DUI | $72 | $865 | Progressive | 33 | October 11, 2024 | Lubbock, TX | 79424 |
| DUI | $80 | $963 | Progressive | 33 | November 7, 2024 | Lubbock, TX | 79424 |
| DUI | $94 | $1,131 | Bluefire | 33 | November 7, 2024 | Lubbock, TX | 79424 |
| DUI | $119 | $1,425 | Gainsco | 33 | November 7, 2024 | Lubbock, TX | 79424 |
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.
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 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.
