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.