Average homeowners insurance cost in Texas

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Home insurance in Texas costs an average of $3,908 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Farmers offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Based on our data, homeowners insurance in Texas costs an average of $3,908 per year.
Among all ZIP codes in Texas, 79915 has the most affordable rates, averaging around $2,300 annually.
For the lowest insurer rates in Texas, Farmers comes in at an average annual premium of $4,063.

What is the average cost of homeowners insurance in Texas?

The average homeowners insurance premium in Texas is $3,908 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Texas? Cost by coverage level

The typical homeowners insurance policy in Texas runs $3,908 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $4,844 in Texas.

The table below shows average homeowners insurance costs in Texas for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,967	$247
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$3,118	$260
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$3,908	$326
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$4,085	$340
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$4,844	$404
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$5,049	$421
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$6,790	$566
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$7,020	$585
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$10,437	$870
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$10,751	$896

Average home insurance cost in Texas by insurer

Farmers has the lowest average homeowners insurance premiums in Texas at $4,063 per year. State Farm and Progressive also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Texas, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Farmers	$4,063	$339
State Farm	$4,159	$347
Progressive	$4,836	$403
Nationwide	$5,155	$430
USAA*	$3,233	$269

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Texas.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Texas?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Texas

Most affordable ZIP codes for home insurance rates in Texas

The most affordable rates are in 79915, where homeowners pay $2,300 per year on average.

Not every area in Texas has the same home insurance cost. How much you pay for homeowners insurance in Texas depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Texas.

ZIP code	Average annual rate	Average monthly rate
79915	$2,300	$192
78582	$2,320	$193
78584	$2,323	$194
79905	$2,326	$194
78043	$2,350	$196
78585	$2,366	$197
79836	$2,393	$199
79853	$2,395	$200
79849	$2,399	$200
78076	$2,405	$200

Most expensive ZIP codes for home insurance rates in Texas

77586 has the highest rates in Texas at an average of $9,010 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Texas for home insurance:

ZIP code	Average annual rate	Average monthly rate
77586	$9,010	$751
77650	$7,857	$655
77554	$7,855	$655
77550	$7,188	$599
77059	$7,181	$598
77590	$7,156	$596
78597	$6,988	$582
77058	$6,925	$577
77545	$6,916	$576
77598	$6,905	$575

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Texas by city

See rates in your city

How has home insurance pricing shifted in Texas?

From 2023 to 2025, home insurance rates in Texas decrease by 1%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$3,924	$3,940	$3,908

What are the best homeowners insurance companies in Texas?

Based on our data, State Farm stands out as the top choice in Texas. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Texas by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$4,159	A+	1.15	4.41
Farmers	$4,063	A	0.89	4.34
Progressive	$4,836	A+	1.5	4.31
Nationwide	$5,155	A	1.34	4.17
USAA*	$3,233	A++	0.46	4.66

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.