🏠 Home insurance cost in Lubbock, TX (2027)
Estimated average: $4,545 per year — +98% vs. the U.S. average of $2,300.
With about 263,930 residents, Lubbock is a large city and the #10 largest city in Texas. Home insurance rates here are estimated at $4,545 per year, above the Texas average of $4,370 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Lubbock with other Texas cities.
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Lubbock home insurance FAQ
How much is home insurance in Lubbock, TX?
The estimated average is $4,545 per year — above the state average (+4% vs. the Texas average of $4,370, and +98% vs. the U.S. average).
Is home 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 home 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.