🚗 Car insurance cost in Lubbock, TX (2027)
Estimated average: $2,683 per year — +25% vs. the U.S. average of $2,150.
With about 263,930 residents, Lubbock is a large city and the #10 largest city in Texas. Car insurance rates here are estimated at $2,683 per year, above the Texas average of $2,580 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Lubbock with other Texas cities.
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Lubbock car insurance FAQ
How much is car insurance in Lubbock, TX?
The estimated average is $2,683 per year — above the state average (+4% vs. the Texas average of $2,580, and +25% vs. the U.S. average).
Is car insurance more expensive in Lubbock than elsewhere in Texas?
Lubbock has about 263,930 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Lubbock?
Compare at least three quotes from insurers active in Lubbock, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.