Average Homeowner Insurance Rates for Lubbock, Texas

Average Annual Insurance Rate
$2547


The Cheapest Homeowner Insurance Rates for Lubbock, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $834
USAA $1537
American Mercury $1570
Allied Property and Casualty $1742
MIC General Insurance $1746
Republic Lloyds $1757
National Specialty Insurance $1768
Nationwide $1813
Nationwide $1818
USAA - Garison Property $1849



The Most Popular Home Insurance Providers in Lubbock, Texas

Provider Annual Insurance Rate
Liberty Insurance $3843
Nationwide $1818
State Farm $3496
Texas Farmers Insurance $2227



Does credit score affect Lubbock home insurance rates?

Credit Score Average Annual Insurance Rate
bad $3180
average $2547
good $2228
Yes! Your credit rating can impact the price you pay for Lubbock homeowners Insurance up to $952 per year. Our analysis shows Lubbock home insurance shoppers with poor credit will pay up to 43% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 28% higher than people with average credit and average credit rate shoppers will pay 14% higher rates than shoppers with good credit.

Does Building Construction affect Lubbock home insurance rates?

Construction Type Average Annual Insurance Rate
frame $2347
Stucco/Hardie $2171
Brick Veneer $2107
Your home construction style may also impact the price you pay for Lubbock homeowners Insurance up to $240 per year. Lubbock home insurance shoppers with frame style construction pay up to 11% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay 3% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Lubbock?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $1533
10 Year(s) Old $2107
35 Year(s) Old $2376
Your home age impacts the price you pay for Lubbock homeowners Insurance up to $843 per year. Lubbock home insurance shoppers with older homes pay 55% higher rates than new homes while homeowners with homes less than 30 years old will pay 37% higher rates than new construction homes.