- How much is home insurance in Texas?
- Best home insurance companies in Texas
- Cheapest home insurance in Texas
- Texas home insurance trends
- Texas home insurance calculator: Rates by ZIP code
- Average homeowners insurance in Texas by coverage level
- How much is home insurance in Texas per month?
- Average home insurance rates in Texas' largest cities
- Methodology
- Home insurance FAQs
- Compare Texas homeowners insurance rates with other states
How much is home insurance in Texas?
The average cost of home insurance in Texas is $4,142 a year, making Texas the fifth most expensive state in the country for homeowners insurance. The average Texas homeowner insurance rates are $1,541 more than the national average home insurance rate of $2,601 for insurance coverage of:
- $300,000 dwelling coverage
- $1,000 deductible
- $300,000 liability
- 2% hurricane deductible
Texas home insurance rates have increased 59.9% from 2018 to 2023, per S&P Global. The increase in premiums makes shopping around vital.
Best home insurance companies in Texas
Based on our analysis, Farmers is the top home insurance company in Texas. USAA ranks ahead of Farmers, but is only available to military families. Progressive, State Farm and Nationwide round out the top five homeowners insurance companies in Texas.
We can also pull out a few top companies in specific categories to make you choice easier. These are based on third-party ratings and our Best Home Insurance Companies survey for 2024.
- Best for cheap rates: Progressive
- Best for having a low complaint volume: Farmers
- Best for financial stability: State Farm/USAA*
Affordable home insurance in Texas can be hard to find, but it's important to look beyond a cheap rate when you're shopping. You need an insurance company that will be there when you it need it.
How we chose the best home insurance companies in Texas: While there are many ways to rank home insurance companies, we used a few simple but important rating factors to choose the best homeowners insurance companies in Texas. The Insurance.com score in the table below is calculated based on AM Best rating for financial stability, NAIC complaint ratio, and average annual rates.
Take a look at the full ranking of home insurance companies in Texas below.
*USAA insurance is only available to military members, veterans and their families.
Farmers
Farmers came out on top for home insurance in Texas, excluding USAA due to its eligibility requirements. Farmers has a low complaint ratio with the NAIC and a solid rating with AM Best. Its rates are not the lowest among the companies we compared, but customer service put it at the top.
Progressive
Progressive offers the cheapest home insurance in Texas of the companies we analyzed. It has a strong A+ rating from AM Best, balancing out a somewhat higher complaint ratio. Progressive's rates helped land it in the No. 2 spot for Texas home insurance.
State Farm
The biggest name in home insurance nationwide, State Farm is our No. 3 pick for home insurance in Texas. It boasts the highest possible AM Best rating, but rates are a little higher than Farmers.
PEOPLE ASK
Which insurance company is best for customer satisfaction in Texas?
Farmers has the lowest NAIC complaint ratio of any of the companies we ranked for home insurance in Texas.
Cheapest home insurance in Texas
The following home insurance rates are categorized by company for six coverage sets. Based on our rate analysis, you’ll see that Progressive has the best homeowners insurance rates in Texas. USAA has affordable rates for military families, but is only cheaper in one category.
- Cheapest for $200,000: Progressive at $2,586 (USAA at $2,375 if you qualify)
- Cheapest for $300,000: Progressive at $2,972
- Cheapest for $400,000: Progressive at $3,297
- Cheapest for $500,000: Progressive at $3,860
- Cheapest for $600,000: Progressive at $4,487
Six different dwelling coverages are shown, with a $300,000 liability limit and a $1,000 deductible.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| USAA | $2,375 | $3,183 | $3,886 | $4,482 | $4,986 |
| Progressive | $2,586 | $2,972 | $3,297 | $3,860 | $4,487 |
| Farmers | $3,247 | $4,422 | $5,457 | $6,238 | $6,085 |
| State Farm | $3,542 | $4,390 | $5,288 | $6,211 | $7,194 |
| Nationwide | $4,260 | $5,777 | $6,122 | $6,093 | $6,145 |
Texas home insurance trends
What’s affecting home insurance in Texas? Here’s what you need to know.
- Progressive Insurance has stopped writing new policies in Texas, and Texas Public Radio reports that some current customers are being nonrenewed. In a letter to shareholders, Progressive CEO Tricia Griffith noted that the company is “maintaining or reducing our market share in higher volatile states that are more susceptible to catastrophic weather events.”
- Hurricane Beryl put pressure on TWIA’s catastrophic reserve fund, leading to a 5-1 vote on the board to submit a request for a 10% rate increase to the Texas Department of Insurance, according to Insurance Business Magazine; TWIA rates have already seen increases.
- Texas home insurance rates are rising; S&P Global reported that Texas saw the biggest increase in 2023 at 23.3%, compared to a nationwide average of 11.3%.
- Homeowners in high-risk areas may need to secure windstorm insurance through the Texas Windstorm Insurance Association, as private insurance companies look to reduce their risk.
Texas home insurance calculator: Rates by ZIP code
ZIP code 77550 in Galveston is among the most expensive places to insure a home in Texas at an average of $10,164. That’s over $8,208 more than in Iglesia Antigua, the cheapest ZIP code in the state for home insurance.
By entering your ZIP code in the homeowners insurance calculator below, you’ll see the average home insurance rate for that area and the highest and lowest premiums fielded from major insurers. This will give you an idea of how much you can save by shopping around for coverage.
Rates are for coverage of $300,000 with a $1,000 deductible and $300,000 liability limits.
Home insurance calculator
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Texas Department of Insurance says...
Someone from the insurance company may inspect the outside of your house when you apply for insurance. The company you chose with the best policy and price might not want to sell you insurance if your house is in bad shape.
To improve your home's safety and appearance:
- Replace rotting boards, sagging screens, and other damage.
- Fix cracks in walkways, loose railings, uneven steps, and things that could cause accidents.
- Replace a damaged or worn roof.
- Keep your yard clean and trimmed.
- Remove tree limbs hanging over your house.
- Touch up paint that is peeling or faded.
Average homeowners insurance in Texas by coverage level
Here is the average annual cost of home insurance in Texas for dwelling coverage levels of $200,000 to $600,000 with a $1,000 deductible and liability coverage of $100,000 and $300,000.
| Coverage level | Average annual rate | Average cost per month |
|---|---|---|
| $200,000 with $1,000 deductible and $100,000 liability | $3,519 | $293 |
| $200,000 with $1,000 deductible and $300,000 liability | $3,525 | $294 |
| $300,000 with $1,000 deductible and $100,000 liability | $4,136 | $345 |
| $300,000 with $1,000 deductible and $300,000 liability | $4,142 | $345 |
| $400,000 with $1,000 deductible and $100,000 liability | $4,523 | $377 |
| $400,000 with $1,000 deductible and $300,000 liability | $4,529 | $377 |
| $500,000 with $1,000 deductible and $100,000 liability | $4,972 | $414 |
| $500,000 with $1,000 deductible and $300,000 liability | $4,979 | $415 |
| $600,000 with $1,000 deductible and $100,000 liability | $5,318 | $443 |
| $600,000 with $1,000 deductible and $300,000 liability | $5,323 | $444 |
Average home insurance in Texas by liability limits
Increasing your liability limits gives you a lot more protection and doesn't cost much more. Most home insurance policies come with $100,000 in personal liability insurance, but this is rarely enough coverage. Most experts recommend upping your limits to at least $300,000.
Medical payments pay for injuries to guests in your home but differs from liability in that it applies to injuries regardless of who is at fault. It is for minor incidents, with much lower coverage limits than liability insurance. Medical payments coverage is typically for$1,000 or $5,000.
Take a look at the cost of home insurance with $100,000 in liability coverage and $300,000 in liability coverage by company to compare costs.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Farmers | $2,831 | $3,860 | $4,857 | $6,938 | $10,814 |
| Nationwide | $4,182 | $5,483 | $6,713 | $10,217 | $15,523 |
| Progressive | $3,388 | $4,085 | $4,949 | $7,450 | $11,962 |
| State Farm | $3,013 | $3,718 | $4,475 | $6,293 | $9,429 |
| USAA | $2,478 | $3,263 | $3,998 | $5,465 | $8,273 |
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Farmers | $2,842 | $3,872 | $4,871 | $6,954 | $10,832 |
| Nationwide | $4,190 | $5,495 | $6,730 | $10,244 | $15,563 |
| Progressive | $3,398 | $4,095 | $4,959 | $7,460 | $11,953 |
| State Farm | $3,020 | $3,725 | $4,482 | $6,300 | $9,436 |
| USAA | $2,478 | $3,263 | $3,998 | $5,465 | $8,273 |
How much is home insurance in Texas per month?
How much is homeowners insurance in Texas per month? Our rate analysis shows that the average home insurance cost in Texas is $345 per month. This rate is for $300,000 in dwelling coverage with a $1,000 deductible and $300,000 of liability protection. The table below shows the average monthly Texas home insurance rates for various coverage limits.
| Company | Monthly premium |
|---|---|
| USAA* | $265 |
| Farmers | $368 |
| Progressive | $248 |
| State Farm | $366 |
| Nationwide | $481 |
Average home insurance rates in Texas' largest cities
The following are average rates for some of the state's largest cities for a policy with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 in liability protection.
Among the cities listed below, Houston has the most expensive home insurance rates in Texas at an average of $5,960 a year, largely due to it's proximity to the coast and vulnerability to hurricanes. El Paso has the cheapest home insurance in Texas at an average of $2,144.
| City | Avg annual premium | % of state average | % of national average |
|---|---|---|---|
| Arlington | $4,244 | 10% more | 68% more |
| Austin | $2,609 | 32% less | 4% more |
| Corpus Christi | $4,741 | 23% more | 88% more |
| Dallas | $4,129 | 7% more | 64% more |
| El Paso | $2,144 | 44% less | 15% less |
| Fort Worth | $4,226 | 10% more | 68% more |
| Houston | $5,860 | 52% more | 133% more |
| Lubbock | $3,911 | 2% more | 55% more |
| Plano | $4,090 | 6% more | 62% more |
| San Antonio | $2,721 | 29% less | 8% more |
There are several ways to reduce your Texas home insurance costs. Bundling your home and auto, for example, can cut your costs by 18% on average, according to our analysis of the best home insurance discounts.
You can also cut costs by making your home more disaster-resistant and doing upgrades. Installing a new roof, updating wiring or plumbing, and installing hurricane glass or accordion shutters might net you a discount.
Methodology
Insurance.com commissioned Quadrant Data Services to field home insurance rates in late 2023 from major insurers in each state for nearly all ZIP codes in the country. Rates were fielded at 10 coverage levels. Dwelling coverages quoted range from $200,000 to $1 million. Deductibles include a $1,000 standard deductible and 2% hurricane deductible where noted. The following coverages are based on a percentage of the dwelling coverage: other structures: 10%, loss of use: 10%, personal property: 50%. Guest medical at $5,000 and liability limits at $100,000 and $300,000. The homeowner profile is a 40-year-old married applicant with an excellent insurance score and based on a new business HO-3 policy for a house built in 2000 with frame construction and composition roof. Content is updated for 2024.
Home insurance FAQs
Why is home insurance so expensive in Texas?
Texas home insurance rates are higher than average due to the many weather risks in the state, from hurricanes to tornadoes and even, in recent years, winter storms.
How much is flood insurance in Texas?
The average annual cost of a National Flood Insurance Program (NFIP) policy in Texas is $698 a year. You can also buy flood insurance through a private flood insurance company; rates vary. A separate flood insurance policy is the only way to cover flood damage.
What if I have trouble getting home insurance in Texas?
The Fair Access to Insurance Requirements (FAIR) Plan is a state-mandated program that can provide insurance for individuals who are having trouble protecting their property because insurers consider them high risk. In Texas, the Texas Fair Plan Association (TFPA) provides homeowners insurance when no one else will.
How do I file a complaint about a Texas insurance company?
If you have a dispute that you cannot resolve, you can file a complaint with the Texas Department of Insurance. To file a complaint, use the Texas Department of insurance (TDI) online complaint system. The system allows you to attach up to 24 pages of supporting documents.
If you have questions, call the TDI Help Line at 800-252-3439 from 8 a.m. to 5 p.m. Central time.
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