For a 40-year-old driver with a clean record, Lubbock car insurance averages about $260 a month ($3,118 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the Texas average of $248 a month. State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $169 and $171 a month.
Lubbock costs about 5% more than the Texas average for our benchmark driver. State Farm and Auto Club (AAA) are effectively tied for the lowest average of any insurer in our data here, and both are below USAA.
Our data covers 13 ZIP codes with a Lubbock mailing address, from about $249 a month in 79424 to $273 in 79401 and 79411.
Cost data comes from the auto rates insurers file with state regulators, priced across all 13 Lubbock ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Lubbock averages $3,118 a year, or about $260 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $911 a year ($76 a month), and 50/100/50 liability with comprehensive and collision averages $2,886 ($241 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $456 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Lubbock average would be about $221 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the six insurers in our Lubbock rate data. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $60 a month, followed by Auto Club (AAA) and GEICO at about $65 each. USAA comes in even lower, at about $43 a month, but it sells only to military families.
Full-coverage averages by insurer in Lubbock
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $724 | $60 | $2,028 | $169 |
| Auto Club (AAA) | $776 | $65 | $2,057 | $171 |
| USAA (military families) | $510 | $43 | $2,265 | $189 |
| GEICO | $776 | $65 | $2,523 | $210 |
| Progressive | $1,072 | $89 | $4,360 | $363 |
| Allstate | $1,611 | $134 | $5,476 | $456 |
| Texas Farm Bureau* | $489 | $41 | $1,484 | $124 |
| Farmers* | $1,241 | $103 | $4,904 | $409 |
| Lubbock average | $911 | $76 | $3,118 | $260 |
This table uses Lubbock ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the 13 Lubbock ZIP codes we price, full coverage for our driver ranges from about $249 a month in 79424 to $273 in 79401 and 79411, a gap of $290 a year. West and southwest Lubbock ZIP codes such as 79416 and 79424 are among the least expensive in our data, and 79401, 79404 and 79411, in central and east Lubbock, are the most expensive.
Lowest-priced Lubbock ZIP codes
Highest-priced Lubbock ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lubbock’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 79401 | $960 | $80 | $3,272 | $273 | +5% |
| 79403 | $931 | $78 | $3,205 | $267 | +3% |
| 79404 | $916 | $76 | $3,226 | $269 | +3% |
| 79407 | $898 | $75 | $3,059 | $255 | -2% |
| 79410 | $894 | $75 | $3,062 | $255 | -2% |
| 79411 | $960 | $80 | $3,273 | $273 | +5% |
| 79412 | $907 | $76 | $3,125 | $260 | About average |
| 79413 | $881 | $73 | $3,029 | $252 | -3% |
| 79414 | $902 | $75 | $3,028 | $252 | -3% |
| 79415 | $943 | $79 | $3,190 | $266 | +2% |
| 79416 | $892 | $74 | $3,026 | $252 | -3% |
| 79423 | $893 | $74 | $3,055 | $255 | -2% |
| 79424 | $872 | $73 | $2,983 | $249 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $232 a year on average in our Lubbock data, with the same $500 deductibles. That’s about $19 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Lubbock ZIP codes, their full-coverage average fell from $2,678 a year nine months earlier to $2,646 in rates as of Aug. 31, 2026, a 1.2% drop. Auto Club (AAA) cut its Lubbock average 8.2% and Progressive 4.1%, while USAA raised its average 7.2% and GEICO 2.8%; State Farm’s average was about unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Lubbock average above. Liability-only coverage at 30/60/25 limits fell 4.2%, led by Auto Club (AAA), which cut its liability-only average 16.2%.
Hail and high winds can damage cars on the South Plains, and only comprehensive coverage pays for hail damage to your car. Comprehensive is part of full coverage, not liability-only coverage.
Lubbock County averages about $259 a month for full coverage in our data, the sixth-most expensive of the 179 Texas counties we price. Progressive averages about $363 a month here, about twice State Farm’s $169.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Amarillo, about 110 miles north, averages $273 a month, and Midland–Odessa, about 110 miles south, $242.
Drivers in Lubbock follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Lubbock County averages about $259 a month for full coverage and $75 for liability-only coverage across the 16 ZIP codes we price there, $11 a month above the Texas average of $248. It ranks sixth of the 179 Texas counties we price, from most to least expensive.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Lubbock County | 16 | $904 | $75 | $3,102 | $259 |
| Texas average | 1019 | $990 | $83 | $2,972 | $248 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Lubbock averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the three counties in this table, SUV policies cost the least on average and hybrid policies the most, about 24% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Crosby | $1,143 | $972 | $1,077 | $1,157 | $1,222 |
| Lynn | $1,093 | $931 | $1,029 | $1,107 | $1,169 |
| Lubbock | $1,240 | $1,064 | $1,183 | $1,236 | $1,301 |
| Avg. Cost Yearly: | $1,159 | $989 | $1,096 | $1,167 | $1,231 |
| Avg. Cost Monthly: | $97 | $82 | $91 | $97 | $103 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Lubbock averages about $260 a month ($3,118 a year) and liability-only coverage about $76 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the Texas average of $248 a month. Without Allstate, the Lubbock average is about $221 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average in our Lubbock rate data, at about $169 and $171 a month. GEICO’s average is next, at $210. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $60 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Lubbock, for our benchmark driver. Lubbock full coverage averages about $260 a month and Amarillo about $273, a difference of about $13 a month.
In our data, 79424 has the lowest full-coverage average in Lubbock, at about $249 a month, and 79401 and 79411 the highest, at about $273. The ZIP code table on this page lists all 13.
In our Lubbock data, full coverage (100/300/100 with $500 deductibles) averages about $260 a month and liability-only coverage at 30/60/25 limits about $76, a difference of about $184 a month ($2,207 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Lubbock full-coverage average fell 1.2%, from about $2,678 to $2,646 a year. That’s lower than the Lubbock average of $3,118 because it leaves out Allstate. Auto Club (AAA) cut its Lubbock average 8.2% and Progressive 4.1%, while USAA raised its average 7.2% and GEICO 2.8%. Liability-only coverage at 30/60/25 limits fell 4.2%.
For our benchmark driver, full coverage in Lubbock averages about $260 a month. Nearby, Midland–Odessa averages about $242, Amarillo about $273 and Dallas–Fort Worth about $254. Midland–Odessa and Dallas–Fort Worth are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
