Average Renters Insurance Cost in Texas

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In Texas, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $223 annually or $19 monthly for a policy with $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 $223 per year or $19 per month.
Progressive provides the least expensive renters insurance in Texas at an average rate of $189 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 month

The 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 month	Difference compared to national average
$19	$5 less

Average renters insurance cost in Texas by company

Renters in Texas can find the most budget-friendly insurance with Progressive, which has an average annual cost of $189, according to our data. Other affordable options include Allstate and State Farm.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance 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.

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

Average cost of renters insurance in Texas by coverage level

As we discussed above, the average cost of renters insurance in Texas is $223 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $155 per year for renters insurance in Texas, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Texas for personal property coverage amounts 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

Average cost of renters insurance in Texas by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Texas.

Renters insurance rates in Texas by city

See rates in your city

Average cost of renters insurance in Texas by ZIP code

Renters insurance costs in Texas vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Texas

In Texas, your ZIP code plays a major role in determining your premiums. Based on our data, 79770 is the most affordable ZIP code for renters insurance, with an average annual cost of $184.

Comparing quotes from multiple insurers in Texas is a smart way to find the best renters insurance rates for your ZIP code.

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

Least affordable ZIP codes for renters insurance in Texas

Your ZIP code, among other factors, affects how much you pay for renters insurance in Texas. 77555 is the least affordable ZIP code for Texas renters at an average cost of $629 a year or $52 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Texas. Below are the average annual renters insurance costs by ZIP code.

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

Final thoughts: Average renters insurance in Texas

Renters insurance is a must for Texas renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

Shivani Gite

Contributing 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.