Car Insurance

Drive Confidently, Covered Completely

We know that no two drivers—or vehicles—are exactly alike. That’s why we work with top-rated insurance carriers to build auto insurance policies tailored to your needs, your driving habits, and your budget. From standard liability to full coverage, we’ll explain your options and make sure you’re not overpaying—or underprotected.

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What Your Car Insurance Can Include

Liability Coverage

Pays for damages and injuries you cause to others in an accident; required by law in Texas.

Collision Coverage

Covers repairs or replacement if your car is damaged in an accident, regardless of fault.

Comprehensive Coverage

Protects your vehicle from non-collision incidents like theft, hail, fire, or vandalism.

Medical Payments (MedPay)

Helps pay for medical expenses for you and your passengers after an accident.

Roadside Assistance

Optional protection for towing, lockouts, jumpstarts, and other unexpected road issues.

Uninsured/Underinsured Motorist

Covers you if you’re hit by a driver with little or no insurance—common in rural areas.

Coverage That Matches Local Roads

Driving in West Texas comes with its own risks.

In West Texas, wide open highways, rural backroads, and unpredictable weather all factor into the kind of auto insurance you need. Hailstorms, high winds, and even the occasional tumbleweed can cause serious damage—especially in areas like Abernathy and Lubbock where long commutes and heavy-duty trucks are common. Many residents also share the road with farm equipment or drive vehicles that double as work trucks, which means understanding how your vehicle is used is key to getting the right protection.

Frequently Asked Questions

  • How much car insurance do I need in Texas?

    Texas law requires minimum liability coverage, but that often isn’t enough to fully protect you in an accident. At Clark Riley Insurance, we’ll help you evaluate your risk and recommend a policy that meets state requirements—and your personal needs. Whether you’re in Abernathy, Lubbock, or out in the county, we’ll find the right balance of coverage and cost. More coverage usually means better protection from unexpected out-of-pocket expenses.

  • Can I get affordable car insurance in West Texas without sacrificing coverage?

    Yes—our independent status means we can compare rates from multiple carriers to find you the best value. We focus on matching you with a policy that meets your budget and offers strong protection, so you’re not stuck with gaps in coverage. We also explore discounts for safe drivers, bundled policies, students, and more. Many West Texas drivers are surprised at how much they can save just by switching.

  • Do you offer car insurance for young or first-time drivers?

    Absolutely. Whether it’s a high schooler with a learner’s permit or a college student heading off to Texas Tech, we offer car insurance policies that balance affordability with solid coverage. We’ll explain the options clearly and look for discounts where possible—like good student incentives or safe driver programs. Protecting new drivers starts with a policy that makes sense and a team that takes the time to explain it.

  • What happens if I’m in an accident?

    If you’re in an accident, give us a call first—we’re here to help guide you through the claims process. We’ll work with your carrier, explain your coverage, and help you get repairs moving quickly. Having a local agent means you’re not just another number in a call center. We’ll be your advocate from start to finish.

  • Do you cover farm trucks or work vehicles?

    If you’re using your vehicle for farm work or business purposes, it may need to be covered under a commercial auto policy. We’ll help you determine whether personal or business coverage is right for your situation. For many West Texas clients, vehicles pull double duty—so it’s important to get the classification right. Our team understands the ins and outs of farm and business use vehicles.