Average homeowners insurance cost in Texas

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The average cost of home insurance in Texas is $3,844 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. State Farm stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Texas costs an average of $3,844 per year.
Among all ZIP codes in Texas, 79905 has the most affordable rates, averaging around $2,017 annually.
For the lowest insurer rates in Texas, State Farm comes in at an average annual premium of $3,718.

What is the average cost of homeowners insurance in Texas?

Homeowners in Texas pay an average of $3,844 per year for 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

Homeowners insurance in Texas costs $3,844 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $4,736 per year for homeowners insurance in Texas for $100,000 in liability protection and a $1,000 deductible.

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 $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

Average home insurance cost in Texas by insurer

The most affordable homeowners insurance in Texas comes from State Farm, which averages $3,718 per year. Farmers and Progressive are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Texas homeowners, based on a policy with $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

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

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Texas.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

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

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Texas.

Most affordable ZIP codes for home insurance rates in Texas

The most affordable rates are in 79905, where homeowners pay $2,017 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
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 in Texas

77586 carries the highest average home insurance rates in Texas, at $14,018 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Texas.

ZIP code	Average annual rate	Average 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

See rates in your city

What are the best homeowners insurance companies in Texas?

Our data points to State Farm as the best overall pick in Texas, thanks to its AM Best rating of A++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Texas compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
State Farm	$3,718	A++	0.95	5
Farmers	$3,860	A	0.54	4.82
Nationwide	$5,483	A+	0.87	3.89
Progressive	$4,085	A+	8.45	3.46

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

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

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.