Car Insurance in Lubbock, TX

Car Insurance Quotes in Lubbock, TX

Lubbock is the eleventh largest city in Texas and is projected to grow 7% through the next year.² That means there are a lot of drivers on Lubbock’s roads. The AARP^® Auto Insurance Program from The Hartford¹ can help give you the car insurance you need. To learn more about car insurance in Lubbock, TX, get an insurance quote from The Hartford today.

Average Cost of Auto Insurance in Lubbock, TX

What do drivers pay for car insurance in Lubbock, TX? The average car insurance cost for drivers in Lubbock, TX is $1,453. That’s higher than the Texas state average of $1,415 for full coverage car insurance.³ However, if you’re looking to save money on your car insurance rates, remember certain factors will impact your average insurance costs, like your driving record. In general, the more speeding tickets you have, the higher your insurance premium. Some other factors that will impact insurance rates in Lubbock include your:

Driving record
Type of vehicle
Average miles driven in a year
Coverage limits
Deductible amounts

The best way to find the cheapest car insurance in Lubbock, Texas is to compare auto insurance quotes from multiple car insurance companies. To get started, get a quote from The Hartford today.

Is Car Insurance Mandatory in Texas?

In Texas, all drivers are required to carry car insurance. You’ll also need proof of coverage anytime you’re behind the wheel. If you don’t have proof of insurance coverage while driving, you could face penalties.

How Much Auto Insurance Do I Need in Texas?

The state minimum coverage for car insurance in Lubbock, Texas, is:

Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $25,000 per accident
Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident unless you reject this coverage
Uninsured motorist property damage: $25,000 for property damage unless you reject this coverage

Additional Car Insurance Coverages for Lubbock Drivers

Although there are minimum requirements for Texas drivers, everyone’s car insurance needs are different. Some other auto coverages available to Texas drivers include:

Comprehensive coverage, which helps pay for the damage to your car from things like natural disasters and theft.
Car towing insurance offers help paying for towing and labor charges if your car breaks down.
Gap coverage to help pay the difference between your car’s actual cash value and the amount you owe on your car loan if it’s stolen or totaled.
Collision coverage, which helps cover damages from another car or object.
Rental car reimbursement coverage to help cover the costs to rent a car if your vehicle is damaged in an accident or another covered event.
Medical payments coverage to help pay for medical expenses resulting from a car accident.

Get a Quote for Auto Insurance in Lubbock, TX Today

Commuters in Lubbock, TX spent an average of 13 hours in traffic in 2020.⁴ As you travel the roads and deal with other drivers, stay protected with the AARP Auto Insurance Program from The Hartford. To learn more about car insurance in Lubbock, TX, get a quote from The Hartford today. There are a lot of car insurance companies out there, but we’re known for our quality customer service. We can help you get the car insurance you need at the right price.

Even if you don’t live in Lubbock, we can help you with Texas car insurance. Learn more about:

Last Updated: February 10, 2023

² Lubbock Economic Development Alliance, “11th Largest City in Texas.”

³ The Zebra, “What’s the Average Car Insurance Rate in Lubbock?”

⁴ Texas A&M Transportation Institute, “2021 Urban Mobility Report.”