Best condo insurance companies in Texas

In Texas, you have a lot of options when it comes to finding the best condo insurance company. To simplify your task, our insurance experts have analyzed premiums, coverage offerings, J.D Power scores and customer satisfaction ratings of the major insurers in Texas. Below are the best condo insurance companies in Texas based on that analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
USAA884A++
4.0
State Farm829A++
3.4
Allstate815A+
3.0
Progressive801A+
2.8
Nationwide816A+
2.6
Farmers792A
2.5

Average cost of condo insurance in Texas

The average cost of condo insurance in Texas is $921 a year or $77 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount, among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$921$77

Condo insurance calculator

Average condo insurance rates in Texas
$60,000
$40,000 $60,000 $80,000 $100,000
$1000
$1,000
$100,000
$100,000 $300,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for condo insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$2,549
77551Galveston$2,456
77554Galveston$2,393
78597South Padre Island$2,359

Least expensive

ZIP CodeCityLowest Rate
79908Biggs Field$758
79918Biggs Field$758
79906El Paso$760
79910El Paso$760

Condo insurance rates by company in Texas

Rates for condo insurance in Texas vary by company. It’s important to shop around and compare quotes to find the best price. 

In the table below, you’ll see condo insurance rates for major companies in Texas. The cheapest company for condo insurance in Texas is State Auto. Farmers and Allstate are the second and third cheapest options.

CompanyAverage Annual Rate
State Auto$359
Farmers$804
Allstate$899
Progressive$927
State Farm$977
USAA$1,037
Nationwide$1,208

Compare condo insurance rates by city in Texas

Condo insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on condo insurance for your specific city in Texas.

CityAnnual insurance premium
Arlington
$920
Austin
$760
Corpus Christi
$1,402
Dallas
$995
El Paso
$721
Fort Worth
$895
Frisco
$860
Garland
$1,028
Houston
$1,180
Irving
$973
Lubbock
$845
McKinney
$898
Pearland
$1,230
Plano
$940
Round Rock
$758
San Antonio
$846

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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