The average cost of home insurance in Texas is $4,142 a year or $345 a month. That’s $113 more than the national average of $232 monthly.
The cheapest home insurance companies in Texas are USAA and Progressive; for most coverage levels, Progressive has lower rates, although USAA is cheapest at a dwelling coverage of $200,000. USAA also ranked at the top of our best companies list, but it's only open to military families. Farmers is the best home insurance company in Texas that's open to everyone.
Texas home insurance rates are on the rise, affected by severe weather, including hurricanes, hail, and, in recent years, ice storms. These and other factors make Texas homeowners insurance rates some of the most expensive in the nation. Houston is the most expensive of Texas' major cities, while El Paso has lower-than-average rates.
Read on for everything you need to know to save on Texas homeowners insurance. We've gathered the average cost of coverage in Texas for homeowners insurance by company, ZIP code, and coverage level, as well as expert tips for getting cheaper home insurance in Texas.
Key takeaways
- The average home insurance cost in Texas is $4,142 a year, much higher than the national average of $2,777.
- A standard Texas homeowners policy doesn't cover floods; anyone in a flood zone or hurricane zone should buy flood insurance.
- Progressive has the cheapest home insurance in Texas at almost every coverage level.
- How much is home insurance in Texas?
- Best home insurance companies in Texas
- Cheapest home insurance in Texas
- Average homeowners insurance in Texas by coverage level
- How much is home insurance in Texas per month?
- Texas home insurance calculator: Rates by ZIP code
- Average home insurance rates in Texas for the largest cities
- Texas home insurance discounts
- Texas home insurance: Frequently asked questions
- Methodology
- Compare homeowners insurance rates by city in Texas
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 $1,361 more than the national average of $2,777 for the coverage level of:
- $300,000 dwelling coverage
- $1,000 deductible
- $300,000 liability
- 2% hurricane deductible.
Your rates will vary based on where you live in Texas and the specifics of your home.
Best home insurance companies in Texas
Affordable home insurance in Texas can be hard to find, so you might be tempted to choose the cheapest rate. But sometimes cheaper isn’t better. It’s important to look at other features such as claims handling, the types of coverage offered, what type of customer service is available, and more.
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.
Based on our ranking, USAA is the top home insurance company in Texas but is only available to military families. Farmers is the top home insurance company for non-military members. State Farm and Nationwide round out the top five homeowners insurance companies in Texas.
It should be noted that while USAA is ranked as the top insurer, it offers coverage only to military members, veterans and their families.
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 USAA, Progressive and Farmers Insurance have the best homeowners insurance rates in Texas.
Six different dwelling coverages are shown, with a $300,000 liability limit and a $1,000 deductible. While USAA is cheaper at a lower dwelling coverage of $200,000, Farmers beats its rates for all other coverage levels.
| 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 |
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 |
|---|---|
| $200,000 with $1,000 Deductible and $100,000 Liability | $3,519 |
| $200,000 with $1,000 Deductible and $300,000 Liability | $3,525 |
| $300,000 with $1,000 Deductible and $100,000 Liability | $4,136 |
| $300,000 with $1,000 Deductible and $300,000 Liability | $4,142 |
| $400,000 with $1,000 Deductible and $100,000 Liability | $4,523 |
| $400,000 with $1,000 Deductible and $300,000 Liability | $4,529 |
| $500,000 with $1,000 Deductible and $100,000 Liability | $4,972 |
| $500,000 with $1,000 Deductible and $300,000 Liability | $4,979 |
| $600,000 with $1,000 Deductible and $100,000 Liability | $5,318 |
| $600,000 with $1,000 Deductible and $300,000 Liability | $5,323 |
How much is home insurance in Texas per month?
How much is homeowners insurance in Texas per month? Insurance.com's 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.
| Coverage level | Average cost per month |
|---|---|
| $200,000 with $1,000 Deductible and $100,000 Liability | $293 |
| $200,000 with $1,000 Deductible and $300,000 Liability | $294 |
| $300,000 with $1,000 Deductible and $100,000 Liability | $345 |
| $300,000 with $1,000 Deductible and $300,000 Liability | $345 |
| $400,000 with $1,000 Deductible and $100,000 Liability | $377 |
| $400,000 with $1,000 Deductible and $300,000 Liability | $377 |
| $500,000 with $1,000 Deductible and $100,000 Liability | $414 |
| $500,000 with $1,000 Deductible and $300,000 Liability | $415 |
| $600,000 with $1,000 Deductible and $100,000 Liability | $443 |
| $600,000 with $1,000 Deductible and $300,000 Liability | $444 |
Texas home insurance calculator: Rates by ZIP code
Insurance.com analyzed home insurance rates from major insurance companies in nearly every ZIP code in Texas.
ZIP code 77471 in Rosenberg is among the most expensive places to insure a home in Texas, topping out at an average of about $6,638. That’s over $4,461 more than in Brownsville, the cheapest neighborhood in the state for home insurance.
For $300,000 dwelling coverage with a $1,000 deductible and $300,000 liability limits, the average rate of $6,638 for ZIP code 77471 is the highest for Rosenberg. ZIP codes for Brownsville, Laguna Heights, and South Padre Island, with rates of $2,177, $2,232, and $2,365, respectively, are among the cheapest Texas home insurance rates by ZIP code.
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 example, the highest rate ($6,560) for Houston ZIP 77504 is $1,355 more than the lowest ($5,205). You can save nearly $1,400 by comparing rates and shopping around. 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 CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
Average home insurance rates in Texas for the 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.
- Houston -- $4,827
- San Antonio -- $3,551
- Dallas -- $4,424
- Austin -- $3,419
- Fort Worth -- $4,263
- El Paso -- $3,059
- Arlington -- $4,334
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.
Texas home insurance discounts
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 Insurance.com's 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.
Other common discounts include:
- Installing smoke detectors, dead-bolt locks, and having a fire extinguisher (5%)
- Installing a sprinkler system or a fire and burglar alarm (15%)
- Loyalty discounts (5-8%)
Texas home insurance: Frequently asked questions
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.
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.
Methodology
Insurance.com commissioned Quadrant Information Systems in 2022 to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-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. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value. Content is updated for 2023.
