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 of $2,601 for the coverage level of:

  • $300,000 dwelling coverage
  • $1,000 deductible
  • $300,000 liability
  • 2% hurricane deductible

Texas home insurance rates have increased 50.9% since 2022, 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.

Best home insurance companies in Texas
CompanyAM BestAverage annual rateNAIC Complaint RatioInsurance.com score
USAA*A++$3,1830.41
4.81
FarmersA$4,4220.33
3.98
ProgressiveA+$2,9721.38
3.8
State FarmA++$4,3900.75
3.55
NationwideA+$5,7770.75
3.03

*USAA insurance is only available to military members, veterans and their families.

Data updated in 2024
Read our full methodology

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.

Cheapest home insurance rates in Texas by coverage level
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
Data updated in 2024
Read our full methodology

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 77550 in Galveston is among the most expensive places to insure a home in Texas, topping out at an average of about $10,164. That’s over $8,208 more than in Iglesia Antigua, 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 $10,164 for ZIP code 77550 is the highest for Galveston. ZIP codes for Iglesia Antigua, Santa Rosa and El Paso, with rates of $1,956, $1,999, and $2,008, 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 coverage.

You can save 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 Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024
Read our full methodology

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 levelAverage annual rateAverage 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
Data updated in 2024
Read our full methodology

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.

CompanyMonthly premium
USAA*$265
Farmers$368
Progressive$248
State Farm$366
Nationwide$481
Data updated in 2024
Read our full methodology

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.

  • 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.

Compare homeowners insurance rates by city in Texas

Home 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 home insurance for your specific city in Texas.

CityAnnual insurance premium
Helotes
$2,020
Houston
$4,192
Irving
$3,272
Data updated in 2024
Read our full methodology

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 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.

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%)

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.

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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