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Lubbock Texas Car Insurance
Trying to find car insurance in Lubbock, Tx? At, get rapid, accurate car insurance quotes in Lubbock,  Texas or phone a licensed agent to walk through the insurance purchasing process. Shop for car insurance rates in your neighborhood by keying your ZIP code into the box above. 

Current average car insurance premium in Texas $1,360.89
Current average car insurance premium U.S. $1,677.92

Average premiums in Texas cities
Houston $1,747.87
Dallas $1,540.52
Check out our car insurance rates in more Texas cities

[ help you find affordable auto insurance now.] allows visitors to examine Texas's auto insurance rates during the past few months. The arrow shows the monthly trend, while the graph indicates the actual rates. If you want to look at Texas' annual average premium over time, just hold the mouse over the various points.

We provide quotes from several car insurance companies with the best protection in the country. The tools are a breeze to navigate - they'll let Texas drivers do comparison shopping for rates, deductibles and other coverage. also shows you the minimum legal requirements and what Texans are paying from Dallas to Austin.
Texas Car Insurance Requirements

Texas state law requires minimum Bodily Injury Liability limits of $30,000 per injured person up to a total of $60,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 30/60/25 coverage.

Minimum Required Insurance Coverage in Texas*

*Bodily Injury Liability: $30,000/$60,000 Limit 
Property Damage Liability: $25,000 Limit 
*Requirement for higher limits effective Jan. 1, 2011.

The state of Texas follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.

You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Texas does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.

An important first step at is the Minimum State Required package, which provides the basics for driving in Texas. Of course, you can opt for more wide-ranging coverage or explore personalized limits and deductibles that best fit your driving needs. Texas-licensed insurance agents are easily reached through and can assist you along the way.

Are you ready to start comparing rates? is the ideal location to begin the process. Do keep in mind that many factors will affect your quotes, including your driving record, where you live in Texas and the discounts you qualify for. This site will provide you with all the relevant information.

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Do thieves covet your pickup? Probably. Check out the list below to see if your vehicle makes Texas’ most-stolen list – and suffers higher insurance rates as a result:


  1. 2003 Dodge Ram
  2. 1994 Chevrolet Pick-Up (Full Size)
  3. 1997 Ford F150 Pickup
  4. 2000 Honda Civic
  5. 1994 Honda Accord
  1. 2004 Ford F250 Pickup
  2. 2002 Chevrolet Tahoe
  3. 2006 Ford F350 Pickup
  4. 2000 Chevrolet C/K 1500 Extended Cab
  5. 2002 Ford Explorer


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