Car Insurance 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.

 

What do drivers pay for car insurance in Lubbock, TX? The average cost of car insurance 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:

 

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.

 

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.

 

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

• Comprehensive coverage, which helps pay for the damage to your car from things like natural disasters and theft.
• Roadside assistance, which offers a network of 40,000 towing services in the United States.
• 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.

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** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

 

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

 

^§§ Terms and conditions apply.

 

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

 

^‡‡ Terms and conditions apply. Availability varies by state.

 

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

 

Additional disclosures below.