🏠 Home insurance cost in Lubbock, TX (2026)
Estimated average: $4,545 per year — +98% vs. the U.S. average of $2,300.
$4,545
Est. home insurance in Lubbock
per year
$4,370
Texas average
$2,300
U.S. average
263,930
Population
Estimate your home insurance in Lubbock
Lubbock home insurance estimator
Estimated$2,863/year
Starts from the Lubbock estimate. Get quotes to confirm your price.
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.