Best and cheapest renters insurance in Texas

Best renters insurance companies in Texas

When choosing the best renters insurance company in Texas, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Texas. Below is our list of best renters insurance companies in Texas based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
Allstate	4
Nationwide	4
Progressive	3.5
State Farm	3.5
USAA	3.5
Farmers	2.5

Compare the best renters insurance companies in Texas

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Texas residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, Nationwide is the best renters insurance company in Texas. It earned 852 out of 1000 from J.D. Power and has an average renters insurance rate of $228.

The table below offers a detailed comparison of renters insurance companies in Texas.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
Nationwide	852	$228	A+
Allstate	835	$191	A+
State Farm	844	$312	A++
Progressive	804	$172	A+
USAA	894	$145	A++
Farmers	842	$464	A

How much is renters insurance in Texas

Texas residents pay an average of $225 a year for renters insurance, and the average monthly cost is $19. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual Premium	Average Monthly Premium
$225	$19

Most expensive ZIP codes in Texas for renters insurance

Several factors affect your renters insurance coverage cost in Texas, including your location and the coverage you buy. The most expensive ZIP code in Texas for renters insurance is 77555, where the average annual rate is $688 which is $463 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Texas for renters insurance.

ZIP code	Average Annual Rate
77555	$688
77550	$680
77650	$664
77551	$663
77623	$650
77554	$647
77586	$543
77982	$515
78373	$487
78597	$465

Least expensive ZIP codes in Texas for renters insurance

Renters insurance rates in Texas are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Texas is 78028, and its average annual rate is $178.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP code	Average Annual Rate
78028	$178
79772	$180
75072	$181
78133	$182
78628	$183
78015	$184
75009	$185
78004	$186
78634	$187
76442	$188

Compare renters insurance rates by city in Texas

Renters 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 renters insurance for your specific city in Texas.

City	Annual insurance premium
Arlington	$216
Austin	$189
Corpus Christi	$337
Dallas	$214
El Paso	$201
Fort Worth	$210
Houston	$287
Lubbock	$218
Plano	$187
San Antonio	$226

Cheap renters insurance in Texas by company

There are a lot of companies offering renters insurance in Texas. Among the carriers surveyed by Insurance.com, USAA is the cheapest renters insurance company in Texas; its average annual premium is $145.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Texas and their average annual premiums.

Company Name	Average Annual Premium
USAA	$145
Progressive	$172
Allstate	$191
Nationwide	$228
Texas Farm Bureau	$303
State Farm	$312
Farmers	$464

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.