Fred Loya had the cheapest minimum coverage policies based on our analysis of the top car insurance companies in Lubbock, with an average cost of $505 per year. The company also offered the best rates for full coverage, charging $905 per year.

Overall, rates in Lubbock are cheaper than the Texas state average. The nine insurers in our study charged Lubbock $810 annually for minimum coverage — $116 less than the statewide annual average of $926.

Cheapest for minimum liability

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Best for customer service

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Cheapest auto insurance in Lubbock: Fred Loya

Fred Loya had the best rates for minimum coverage. Lubbock drivers would pay just $42 per month for a Fredy Loya policy that meets the Texas minimum requirements for auto insurance.

State Farm came in a close second, however, charging just $46 a month. We recommend getting quotes from both companies before you purchase a policy.

Auto insurance for less than $50 a month might sound like a great deal, but bear in mind that the coverage it provides is extremely limited. Minimum coverage doesn't protect your own car at all, so if you collide with another driver or have your car stolen, you're fully responsible for its repairs or replacement.

Fred Loya is also the cheapest insurer for low-income drivers.

Cheapest full coverage car insurance in Lubbock: Fred Loya

Fred Loya also had the best deal for full coverage insurance. In most cases, USAA has the most affordable coverage, but Fred Loya stands out because it is a widely available insurer offering significantly lower rates than USAA. Full coverage is just $905 per year. The average cost of full coverage in Lubbock is $2,612 annually, so Lubbock drivers save more than $1,700 every year with Fred Loya.

While Fred Loya has the best rates, we'd recommend contacting State Farm and Geico for quotes, as well. Both companies have a better customer service reputation than Loya, whose cheap prices camouflage a subpar customer experience.

ValuePenguin recommends full coverage to most drivers, but especially to drivers who have a new or expensive car. Full coverage includes collision and comprehensive coverage.

Cheap car insurance for drivers with prior incidents

Drivers with incidents on their record — such as an at-fault accident, a speeding ticket or a DUI — receive higher rates from insurers. Drivers with a poor credit score are also quoted higher rates, though your credit score has no impact on your ability to drive safely.

We looked at thousands of quotes in Lubbock and found the best rates for drivers with these incidents on their records:

Cheapest car insurance in Lubbock after an accident: Fred Loya

Fred Loya and State Farm not only offer the best rates for Lubbock drivers with an at-fault accident on their record, but they also raise rates the least after an at-fault accident. Fred Loya raised rates by $218, from $905 to $1,123. State Farm raised rates by $223, from $1,238 to $1,461.

Overall, average rates for Lubbock residents went up by $1,480 after an at-fault accident. Insurers view an at-fault accident as a sign of future risk and raise your rates to account for that risk.

Cheapest car insurance for people with a speeding ticket: Fred Loya

Lubbock drivers with a speeding ticket pay $193 more per year on average than drivers with a clean record. Fred Loya and State Farm again provided the best value to drivers who have a speeding ticket. Neither company raised rates, and both charged significantly less than the city average; rates were 68% and 56% less, respectively.

Cheapest car insurance for drivers with a DUI: Fred Loya

Fred Loya had the best rates drivers with a DUI on their record, charging 66% less than the city average.

We found that driving under the influence (DUI) in Lubbock increases average rates from $2,612 to $4,430. That's the biggest increase of all the incidents in our study, indicating just how seriously insurers take a DUI.

Cheapest car insurance for drivers with poor credit: Fred Loya

Fred Loya had the most affordable full coverage for Lubbock drivers with poor credit. In fact, the company charged our sample driver the same rate — $905 annually — no matter whether they had very good, average or poor credit.

However, this is an unusual approach. Most insurers raise rates if you have a low credit score, as they view this as a sign of increased risk. The average cost of full coverage in Lubbock is:

We also found that Fred Loya has the cheapest rates for low income car insurance in Texas.

Cheapest car insurance for married drivers: Fred Loya

Fred Loya had the best rates for married drivers in Lubbock. Annual premiums averaged at $741, which is 69% cheaper than the city average. Married drivers in Lubbock pay $2,381 per year on average — $231 less than single drivers.

Cheapest car insurance for young drivers: Fred Loya

Fred Loya had the best rates for the sample 18-year-old driver in our study. While $3,068 per year for auto insurance might not sound especially affordable, it's far less expensive than the city average of $6,740 per year.

Given these sky-high rates, we urge young drivers to stay on their parents' insurance if they can. Alternatively, they can get their rates down with a good student discount or a telematics program.

Best auto insurance companies in Lubbock, Texas

Of the nine insurers featured in our study, USAA, Nationwide and State Farm boasted the highest numbers of customers who reported being "extremely satisfied" with their most recent claims.

For more information about these insurers and their customer service reputations, check out our Texas car insurance study.

Average car insurance cost in Lubbock, by neighborhood

Insurance rates vary not just by city but by ZIP code, as well. If you live in an area where accident or crime rates are higher, you'll pay more than someone who lives in a ZIP code where accidents are few and crime is infrequent.

Our analysis identified 79411 as the most expensive ZIP code in Lubbock for auto insurance, while the least expensive was 79424.

Auto theft statistics in Lubbock

Around five cars are stolen for every 1,000 Lubbock residents. The city has the fourth-highest rate of crime theft in Texas, according to ValuePenguin's analysis of 2019 crime data.

Methodology

VauePenguin gathered auto insurance quotes from nine of the largest insurers in Texas. Unless otherwise noted, our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX and has average credit.

The following limitations were used for the driver's full coverage policy:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and are intended solely for comparative purposes. Your own quotes could differ, depending on your driving history, credit score and other factors unique to you.