Lubbock, TX – Car Insurance Quotes
Auto insurance quotes in Amarillo, Texas can vary based on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose. We can help you compare car insurance quotes from top insurance providers fast for Amarillo drivers.
How Much Does Car Insurance Cost in Lubbock?
The Amarillo metro area covers Lubbock County, Crosby and Lynn County.
Drivers in Lubbock, TX on average will spend around $1,128 yearly for state minimum coverage or $94 a month. If you are looking for a full coverage auto policy you can expect to pay around $2,100 per year or $175 a month. Lubbock drivers may be able to also get car insurance discounts such as good student, clean driving record, as well as home, auto or boat insurance bundle savings.
| 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 |
Cheapest Lubbock Auto Insurance Providers
The cheapest car insurance providers in Lubbock is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
Newer Vehicle Insurance Rates
The average cost for auto insurance for a new 2022 – 2023 four door vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| 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 |
Car Insurance Costs by Age in TX
Age is a significant factor that affects TX auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| 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 |
Comparing Lubbock Car Insurance Quotes
- Minimum Coverage: The minimum car insurance coverage required by law in Texas includes $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability. The average cost for minimum coverage in Amarillo can range from $600 to $1,000 per year, depending on the aforementioned factors.
- Full Coverage: Full coverage typically includes liability coverage (as mentioned above) along with comprehensive and collision coverage. Comprehensive coverage protects your vehicle from non-accident-related damage, such as theft, vandalism, or natural disasters, while collision coverage covers damage caused by accidents. The cost of full coverage can vary significantly based on your vehicle’s value and other factors. On average, full coverage can cost around $1,200 to $2,500 per year in Amarillo.
- Deductibles: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can help lower your premium, but it means you’ll have to pay more in the event of a claim. Deductible amounts typically range from $500 to $1,000.
- Discounts: Insurance companies offer various discounts that can help reduce your premium. Common discounts include safe driving records, multi-policy discounts (such as bundling car and home insurance), good student discounts, and discounts for vehicles with safety features. Be sure to inquire about available discounts when getting quotes.
- Comparison Shopping: It’s advisable to compare quotes from multiple insurance providers to find the best rates. You can contact insurance agents directly or use online comparison tools to obtain estimates from different insurers.
Auto Insurance Providers in Lubbock, TX
There are several car insurance providers in Lubbock, Texas. Here are some well-known insurance companies that offer car insurance coverage in the area:
- State Farm: State Farm is one of the largest auto insurance providers in the United States. They offer a wide range of coverage options and discounts, including safe driving discounts and multi-policy discounts.
- Allstate: Allstate is another popular insurance company that provides car insurance coverage in Lubbock. They offer various coverage options, including liability, comprehensive, and collision coverage, as well as discounts for safe driving and bundling policies.
- GEICO: GEICO is known for its competitive rates and offers a range of coverage options for car insurance in Lubbock. They provide online quotes and a user-friendly experience for customers.
- Progressive: Progressive is a well-known insurance provider that offers car insurance coverage in Lubbock. They offer a variety of coverage options, including liability, comprehensive, and collision coverage, as well as discounts for safe drivers and multi-policy holders.
- Farmers Insurance: Farmers Insurance is another option for car insurance in Lubbock. They provide coverage options tailored to individual needs and offer discounts for safe driving and bundling policies.
