Home Renters insurance Renters insurance cost Average renters insurance cost in Texas Average renters insurance cost in Texas Discover the average cost of renters insurance in Texas and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 3, 2025 Why you can trust Insure.com 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. Renters insurance costs in Texas vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Texas pay $226 per year or $19 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Texas is $226 per year or $19 per month.Progressive provides the least expensive renters insurance in Texas at an average rate of $187 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Texas. Average renters insurance cost in Texas per monthThe average cost of renters insurance in Texas is $19 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$19$3 lessPowered by:Average renters insurance cost in Texas by companyProgressive offers the most affordable renters insurance in Texas at an average annual rate of $187, followed by State Farm and Nationwide, based on our data.However, you should get multiple quotes from various renters insurance companies in Texas because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Texas.CompanyAverage annual rateAverage monthly rateProgressive$187$16State Farm$235$20Nationwide$238$20Allstate$240$20Texas Farm Bureau$307$26Farmers$481$40USAA*$143$12*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Texas Select your state Texas Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $214/year Estimated renters insurance rates in Texas $18 Monthly renters insurance cost in Texas -13% Compared to national average Get quotes Average cost of renters insurance in Texas by coverage levelOn average, Texas renters pay $226 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Texas to $155 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Texas for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$156$13$20,000 with $500 Deductible and $300,000 Liability$168$14$20,000 with $1,000 Deductible and $100,000 Liability$143$12$20,000 with $1,000 Deductible and $300,000 Liability$155$13$40,000 with $500 Deductible and $100,000 Liability$233$19$40,000 with $500 Deductible and $300,000 Liability$246$20$40,000 with $1,000 Deductible and $100,000 Liability$214$18$40,000 with $1,000 Deductible and $300,000 Liability$226$19$60,000 with $500 Deductible and $100,000 Liability$304$25$60,000 with $500 Deductible and $300,000 Liability$317$26$60,000 with $1,000 Deductible and $100,000 Liability$280$23$60,000 with $1,000 Deductible and $300,000 Liability$293$24Powered by:Average cost of renters insurance in Texas by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Texas.Renters insurance rates in Texas by citySee rates in your cityAustinDallasFort WorthHoustonPasadenaPlanoSan AntonioAverage cost of renters insurance in Texas by ZIP codeThe cost of renters insurance in Texas varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Texas.Most affordable ZIP codes for renters insurance in TexasIn Texas, your ZIP code plays a major role in determining your premiums. Based on our data, 75072 is the most affordable ZIP code for renters insurance, with an average annual cost of $195.Comparing quotes from multiple insurers in Texas is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate75072McKinney$195$1675013Allen$195$1678132New Braunfels$196$1679772Pecos$196$1678133Canyon Lake$196$1679770Orla$196$1679785Toyah$196$1675442Farmersville$196$1679843Marfa$196$1678135New Braunfels$196$16Powered by:Least affordable ZIP codes for renters insurance in Texas77014 is the most expensive ZIP code for renters insurance in Texas, at an average cost of $276 annually or $23 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Texas. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate77014Houston$276$2378368Mathis$276$2377444Guy$275$2377376Votaw$274$2377374Thicket$274$2377067Houston$274$2377611Bridge City$274$2377585Saratoga$274$2377090Houston$274$2377420Boling$273$23Powered by:Final thoughts: Average renters insurance in TexasRenters insurance is a must-have for renters in Texas. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in TexasBest and cheapest homeowners insurance companies in TexasHow much does condo insurance cost in Texas in 2025? 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Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in Texas per monthAverage renters insurance cost in Texas by companyAverage cost of renters insurance in Texas by coverage levelAverage cost of renters insurance in Texas by cityAverage cost of renters insurance in Texas by ZIP codeFinal thoughts: Average renters insurance in Texas ZIP Code Please enter valid ZIP See rates (844) 761-9316