Average renters insurance cost in Texas

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Renters in Texas pay an average of $223 annually – or $19 per month – for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. For most renters, this is a practical benchmark to start from.

Your actual premium is shaped by the amount of coverage you select, the insurer you go with, and individual factors such as your ZIP code, claims history, and depending on your state – your credit score.

How much does renters insurance cost in Texas?

Renters insurance in Texas costs an average of $19 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Texas: Where to start

The average cost of renters insurance in Texas is $223 per year, or $19 per month for a standard policy
For the most affordable option, Progressive offers the lowest average rates in Texas at around $189 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

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?

The average annual cost of renters insurance in Texas is $223, 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 $155 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 average annual renters insurance premiums in Texas for personal property coverage of $20,000 and $40,000.

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?

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

Renters insurance rates in Texas by city

See rates in your city

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.

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 the vast majority of renters in Texas, a renters insurance policy is a smart financial decision. It covers your personal belongings against fire, theft, vandalism, and certain disasters, and provides liability protection if a guest is injured in your home.

Data from the US Department of Commerce, US Census Bureau, and American Community Survey shows that roughly 48% of renter households in the US spend more than 30% of their income on housing costs – which means every recurring expense, including insurance, deserves careful consideration.

The best approach is to compare policies rather than just prices. Coverage quality, deductibles, and customer service all factor into whether a policy is actually good value. Paying a little more for stronger coverage often makes sense when it’s time to file a claim.

Frequently asked questions

What does renters insurance actually cover?

A standard renters insurance policy covers personal belongings, liability, and additional living expenses if your rental becomes unlivable. It protects against losses from events like fire, theft, and vandalism, and can cover legal or medical costs if someone is hurt on your property. Always check the specific limits and exclusions in any policy you’re considering.

Do I really need renters insurance in Texas?

While renters insurance isn’t legally required in most cases, it provides real financial protection that’s hard to replicate otherwise. Even a basic policy can cover thousands of dollars in losses from theft, fire, or accidental damage – costs that would otherwise come straight out of pocket. Many landlords in Texas also make renters insurance a condition 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

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$252/Year

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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.