Lubbock has 264,814 residents in 107,086 households. We list 25 agencies for annuities insurance in Lubbock. Here is what the local numbers say about the cover people here need.

Lubbock at a glance

25annuities insurance agencies listed
48.8%of households rentRenters insurance
$212,400median home valueHome insurance
1984median year homes were builtRebuild cost calculator
6.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lubbock County

FEMA rates the overall natural hazard risk in Lubbock County, where most Lubbock agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Lubbock
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lubbock
Winter weatherVery High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lubbock
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Lubbock How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Lubbock agencies work with

Of the 25 Lubbock agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Nationwide15 agencies
Pruco Life Insurance Company15 agencies
Pacific Life Insurance Company12 agencies
Blue Cross Blue Shield11 agencies
Sammons11 agencies
Aetna10 agencies
Corebridge (AIG Life)10 agencies
The Lincoln National Life Insurance Company10 agencies
UnitedHealthcare10 agencies
Ameritas Life Insurance9 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Lubbock agencies are

Lubbock agencies we list sit in 9 ZIP codes, mostly in Lubbock County.

794249 agencies
794236 agencies
794142 agencies
794642 agencies
794932 agencies
794101 agency
794131 agency
794161 agency
794531 agency

Questions

Annuities insurance in Lubbock

All insurance agencies in Lubbock · Annuities insurance across Texas

Where can I find annuities insurance in Lubbock?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does annuities insurance cover?

Converts a lump sum into a guaranteed income stream in retirement.

Which insurance companies do Lubbock agencies work with?

Among the 25 Lubbock agencies whose appointments we hold, the companies they are most often appointed with are Nationwide (15), Pruco Life Insurance Company (15), Pacific Life Insurance Company (12), Blue Cross Blue Shield (11), Sammons (11). An appointed agency can quote that company's policies.

Do I need flood insurance in Lubbock?

FEMA's National Risk Index rates inland flooding risk in Lubbock County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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