Average renters insurance cost in Texas

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 in Texas costs an average of $223 per year, or $19 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in Texas?

The average monthly cost of renters insurance in Texas is $19 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Texas: Where to start

Renters insurance in Texas averages $223 per year, or $19 per month for a standard policy
If you’re looking for the lowest price, Progressive tends to offer the most competitive rates in Texas, averaging around $189 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Texas?

Among insurers operating in Texas, Progressive has the lowest average annual premium at $189. Allstate and State Farm are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly rates from various insurers in Texas.

Company	Average annual rate	Average monthly rate
Progressive	$189	$16
Allstate	$241	$20
State Farm	$263	$22
Nationwide	$321	$27
Farmers	$413	$34
USAA*	$145	$12

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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Texas

$211/year

Estimated renters insurance rates in Texas

$18

Monthly renters insurance cost in Texas

-22%

Compared to national average

How much does renters insurance cost by coverage level in Texas?

At the standard coverage level – $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – renters insurance in Texas averages $223 per year.

If you reduce your personal property coverage to $20,000, that average drops to around $155 annually. Before making that adjustment, it’s worth confirming that $20,000 would genuinely cover the cost of replacing your belongings.

The table below compares average annual renters insurance costs in Texas at both the $20,000 and $40,000 coverage levels.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$159	$13
$20,000 with $500 Deductible and $300,000 Liability	$170	$14
$20,000 with $1,000 Deductible and $100,000 Liability	$144	$12
$20,000 with $1,000 Deductible and $300,000 Liability	$155	$13
$40,000 with $500 Deductible and $100,000 Liability	$232	$19
$40,000 with $500 Deductible and $300,000 Liability	$244	$20
$40,000 with $1,000 Deductible and $100,000 Liability	$211	$18
$40,000 with $1,000 Deductible and $300,000 Liability	$223	$19
$60,000 with $500 Deductible and $100,000 Liability	$297	$25
$60,000 with $500 Deductible and $300,000 Liability	$310	$26
$60,000 with $1,000 Deductible and $100,000 Liability	$272	$23
$60,000 with $1,000 Deductible and $300,000 Liability	$286	$24

People also ask: How much renters insurance coverage do I need?

Coverage needs vary from person to person, but a common starting range is $20,000 to $40,000 in personal property protection and at least $300,000 in liability coverage. The right amount ultimately comes down to the value of what you own, whether any of your items warrant separate endorsements, and how much of a financial cushion you want between you and an unexpected loss.

How much does renters insurance cost by city in Texas?

Renters insurance rates in Texas aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Texas.

Renters insurance rates in Texas by city

See rates in your city

Does your ZIP code affect renters insurance rates in Texas?

Your ZIP code is one of the most significant factors in how insurers price your policy. Areas with higher rates of theft, more frequent weather events, or a greater number of past claims tend to see higher premiums – even for the same level of coverage.

In Texas, annual rates range from roughly $184 in 79770 to $629 in 77555. Below are the cheapest and most expensive ZIP codes for renters insurance in Texas.

Why your ZIP code affects renters insurance costs

Insurers use neighborhood-level risk data when calculating your premium, which means rates can differ significantly from one ZIP code to the next.

Key factors include:

Theft and vandalism rates in your area
Exposure to weather risks like hurricanes, wildfires, or flooding
Historical fire claims and local rebuilding costs

Even shifting a few ZIP codes can change what you pay each month.

What are the most affordable ZIP codes for renters insurance in Texas

79770 has the lowest average annual renters insurance cost at $184.

Areas with fewer theft incidents and lower weather-related claim activity tend to have more affordable premiums overall.

ZIP code	City	Average annual rate	Average monthly rate
79770	Orla	$184	$15
79772	Pecos	$184	$15
79785	Toyah	$184	$15
79843	Marfa	$185	$15
79845	Presidio	$185	$15
79846	Redford	$185	$15
79735	Fort Stockton	$186	$16
75013	Allen	$187	$16
79832	Alpine	$187	$16
76936	Eldorado	$187	$16

What are the least affordable ZIP codes for renters insurance in Texas

At the other end of the spectrum, 77555 has the highest average renters insurance cost in Texas, at $629 per year or $52 per month.

Below are average annual rates across all ZIP codes in Texas, based on quotes from major providers.

ZIP code	City	Average annual rate	Average monthly rate
77555	Galveston	$629	$52
77650	Bolivar Peninsula	$606	$50
77617	Gilchrist	$594	$49
77586	Seabrook	$492	$41
77982	Port O’Connor	$478	$40
78373	Port Aransas	$453	$38
78597	South Padre Island	$436	$36
77518	Bacliff	$411	$34
77565	Kemah	$407	$34
77577	Liverpool	$388	$32

How to lower your renters insurance, even in a high-cost ZIP code

Get quotes from at least 3 insurers – rates for identical coverage can differ by $100 or more within the same ZIP code
Bundle your renters and auto insurance to cut 5% to 15% off your premium
Ask about discounts for safety features like smoke detectors, deadbolts, security systems, or smart home devices
Raise your deductible from $500 to $1,000 – this alone can reduce your premium by around 10%
If you haven’t filed a claim in 3 or more years, ask about a claims-free discount

Is renters insurance worth it in Texas?

For most renters in Texas, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Texas?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$252/Year

$216/Year

Show more states

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.