Home Home insurance 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. | Updated on: January 16, 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 various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Texas is $226 per year or $19 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. 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 monthIn Texas, the average monthly cost of renters insurance is $19. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$19$3 lessAverage renters insurance cost in Texas by companyAccording to our data, Progressive provides the most affordable renters insurance in Texas, with an average annual rate of $187, followed by State Farm and Nationwide.Getting quotes from multiple renters insurance companies in Texas is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Texas.CompanyAverage annual rateAverage monthly rateProgressive$187$16State Farm$235$20Nationwide$238$20Allstate$240$20Texas Farm Bureau$307$26Farmers$481$40USAA$143$12 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 levelThe average annual cost of renters insurance in Texas is $226, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $235 a year for renters insurance in Texas. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows 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$24Average cost of renters insurance in Texas by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Texas and find the best fit for your budget.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Texas by cityAustinChicoChula VistaDallasFort WorthHoustonPasadenaPlanoSan AntonioSan DiegoSunnyvaleShow moreAverage cost of renters insurance in Texas by ZIP codeIn Texas, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in TexasThe amount Texas renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 75072 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $195.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Texas.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$16Least affordable ZIP codes for renters insurance in TexasAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Texas is 77014, with an average cost of $276 a year or $23 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Texas. Below, you’l find the average annual renters insurance premiums broken down 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$23Renters and auto bundle discounts in TexasBundling your renters and auto insurance policies is one of the easiest ways to lower your Texas insurance rates.Bundling your policies can lead to an average annual savings of 6% in Texas. We found that State Farm provides the most affordable rates for a renters and auto insurance bundle, allowing you to save up to 7% on your premiums each year.CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$1,347$1017%Nationwide$1,663$1166%Geico$2,040$583%Mercury Insurance$2,233$673%Auto Club Enterprises (AAA)$2,522$2158%Chubb Ltd$3,007$49414%Allstate$3,659$1183%Progressive$3,809$1564%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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/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 Explore other insurance options in Texas Average homeowners insurance cost in Texas Average car insurance cost in Texas Non-owner car insurance in Texas 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell 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 codeRenters and auto bundle discounts in TexasFinal thoughts: Average renters insurance in Texas ZIP Code Please enter valid ZIP See rates