Auto Insurance in Lubbock (79414)
Texas · Very Affordable · 3th percentile statewide
Carrier Rates in 79414
6-month premiums from SERFF rate filings. Standard driver profile.
How 79414 Compares
Lubbock (79414) is very affordable for auto insurance in Texas, ranking in the 3th percentile.
The cheapest carrier is GEICO at $293/6mo — 45% less than the most expensive (State Farm at $530).
The median premium of $365 is 28% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Lubbock (79414)?
The median 6-month premium in Lubbock (79414) is $365 across 5 carriers. Premiums range from $293 to $530, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 79414?
GEICO offers the lowest rate in 79414 at $293/6mo. That's 45% less than the most expensive option (State Farm at $530/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 79414?
Auto insurance rates in Lubbock (79414) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Lubbock ranks in the 3th percentile statewide, meaning it's very affordable compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 79414?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.