Lubbock, TX
Insuring your car and home in Lubbock, TX
How Lubbock households can compare car and home coverage, with local Census data. A quote is not a binder.
In Lubbock (272,086 people), 77% of workers commute by driving alone, compared with 71% across Texas. Homeownership runs at 51%.
How Lubbock gets around
| Measure | Lubbock | Texas |
|---|---|---|
| Drive alone to work | 77% | 71% |
| Carpool | 11% | 10% |
| Work from home | 7% | 14% |
| Commute of 45 minutes or more | 5% | 17% |
| Commute under 15 minutes | 51% | 25% |
| Households with no vehicle | 6% | 5% |
| Households with 3 or more vehicles | 17% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Lubbock than statewide: 5% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Fewer Lubbock workers telecommute (7%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 17% of households in Lubbock have at least three vehicles (Texas: 22%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Lubbock homes and homeowners coverage
Census figures put Lubbock's median home value at $212,400 (Texas: $283,800) and its median year built at 1984. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $2,167 was the average 2023 Texas HO-3 premium at the $200,000–$224,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Lubbock
Drivers in Lubbock must carry Texas's minimum of 30/60/25 in liability coverage (none beyond liability (PIP and UM must be rejected in writing)). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Should Lubbock homeowners bundle?
A bundle can simplify life in Lubbock: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Lubbock
Insurers in Texas price for Gulf hurricanes near the coast and flash flooding. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Lubbock
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. San Antonio: 68% drive alone, 11% commute 45+ minutes, median home $235,700. Dallas: 67% drive alone, 14% commute 45+ minutes, median home $320,700. For share of 45-minute-plus commutes, Lubbock is 29th of 30 Texas cities on this site.
Lubbock quote checklist
- Current declarations pages for auto and home
- Accidents, tickets, and claims from the last five years
- Target limits and deductibles
- VINs from registrations or the dashboard
- Annual mileage for each car
- Your Lubbock address, square footage, and year built
Lubbock auto and home insurance FAQ
What auto insurance is required in Lubbock?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Lubbock drivers have long commutes?
About 5% of Lubbock workers commute 45 minutes or more and 51% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Lubbock?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research