insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.

Homeowners insurance in Texas costs an average of $3,844 a year, according to Insure.com’s study.

Read this guide to learn more about the average homeowners insurance rates in Texas by insurance company and ZIP code.

Key Takeaways

  • Homeowners insurance costs an average of $3,844 a year, based on our analysis.
  • Of all the ZIP codes in Texas, 79905 has the most affordable home insurance rates at around $2,017 annually.
  • In Texas, State Farm provides the most affordable home insurance at an average annual premium of $3,718.

Average home insurance cost in Texas by coverage level

Homeowners insurance costs $3,844 a year in Texas for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Texas will increase to $4,736 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Texas for dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage Average annual rate Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,944 $245
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,951 $246
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$3,844 $320
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$3,851 $321
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$4,736 $395
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$4,744 $395
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$6,794 $566
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$6,804 $567
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$10,459 $872
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$10,469 $872

Homeowners insurance companies in Texas determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.

If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in Texas

It’s always a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.

We evaluated homeowners insurance providers in Texas by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, State Farm received the lowest NAIC score and an AM Best rating of A++. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater customer satisfaction.

Company Average annual premiumAM Best rating NAIC Complaint IndexOverall score
State Farm$3,718A++0.955
Farmers$3,860A0.544.82
Nationwide$5,483A+0.873.89
Progressive$4,085A+8.453.46

Average homeowners insurance cost by company in Texas

State Farm provides the most affordable homeowners insurance in Texas, with an average annual premium of $3,718. Farmers and Progressive also offer cheap home insurance rates.

Shopping around for homeowners insurance can help you save hundreds of dollars annually.

Here are the average annual and monthly insurance rates for homeowners in Texas with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company Average annual rate Average monthly rate
State Farm$3,718$310
Farmers$3,981$332
Progressive$4,318$360
Nationwide$5,708$476
USAA$3,311$276

Texas homeowners insurance rates by ZIP code

In Texas, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.

Shop around and compare quotes from different insurance companies to find the best home insurance rates in Texas. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.

Most affordable ZIP codes for home insurance rates in Texas

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. Our data shows that 79905 ZIP has low-cost home insurance rates in Texas, at about $2,017 a year or $168 monthly.

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

ZIP codeAverage annual rateAverage monthly rate
79905$2,017$168
79915$2,022$169
79907$2,032$169
79925$2,040$170
79938$2,044$170
79836$2,050$171
79927$2,052$171
79928$2,057$171
79903$2,066$172
79936$2,073$173

Most expensive ZIP codes for home insurance rates in Texas

In Texas, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 77586 ZIP pay the highest insurance rates in Texas, with an average annual premium of $14,018.

Below is a list of some of the most expensive ZIP codes in Texas for homeowners insurance.

ZIP codeAverage annual rateAverage monthly rate
77586$14,018$1,168
77550$13,495$1,125
77551$12,719$1,060
77554$12,541$1,045
77590$11,384$949
77507$11,307$942
77650$10,872$906
77571$10,693$891
77623$10,567$881
77617$10,391$866

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

Home insurance rate trend in Texas

We analyzed home insurance rate trends in Texas and found that homeowners insurance rates experienced an overall increase of 13% or $433, from 2022 to 2023.

The data below shows how much homeowners insurance rates have changed since 2019.

2019 rates2022 rates2023 rates
$3,511$3,411$3,844

To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Texas.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:

  • $300,000 dwelling coverage
  • $100,000 liability protection
  • $1000 deductible

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is home insurance in other states

Alaska$1,695/Year
Alabama$3,131/Year
Arkansas$3,948/Year
Arizona$2,468/Year
California$1,386/Year
Colorado$4,086/Year
Connecticut$2,205/Year
Washington, D.C.$1,327/Year
Delaware$1,366/Year
Florida$4,405/Year
Georgia$2,286/Year
Hawaii$593/Year
Iowa$2,642/Year
Idaho$1,950/Year
Illinois$3,044/Year
Indiana$2,969/Year
Kansas$4,826/Year
Kentucky$3,314/Year
Louisiana$3,576/Year
Massachusetts$1,622/Year
Maryland$1,707/Year
Maine$1,375/Year
Michigan$2,396/Year
Minnesota$2,399/Year
Missouri$3,528/Year
Mississippi$3,369/Year
Montana$3,265/Year
North Carolina$2,933/Year
North Dakota$3,134/Year
Nebraska$4,785/Year
New Hampshire$1,209/Year
New Jersey$1,506/Year
New Mexico$2,638/Year
Nevada$1,444/Year
New York$1,777/Year
Ohio$2,144/Year
Oklahoma$5,749/Year
Oregon$1,741/Year
Pennsylvania$1,886/Year
Rhode Island$1,932/Year
South Carolina$2,668/Year
South Dakota$3,374/Year
Tennessee$3,045/Year
Utah$1,792/Year
Virginia$2,135/Year
Vermont$1,247/Year
Washington$1,596/Year
Wisconsin$1,648/Year
West Virginia$1,886/Year
Wyoming$1,885/Year
Show more
author image
Shivani Gite
Contributing Writer

 
|
  

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

ZIP Code Please enter valid ZIP