Best and cheapest home insurance in Texas for 2024

How much is home insurance in Texas?

The average cost of home insurance in Texas is $4,142 a year, making Texas the fifth most expensive state in the country for homeowners insurance. The average Texas homeowners insurance rates are $1,541 more than the national average home insurance rate of $2,601 for insurance coverage of:

$300,000 dwelling coverage
$1,000 deductible
$300,000 liability
2% hurricane deductible

Texas home insurance rates have increased 59.9% from 2018 to 2023, per S&P Global. The increase in premiums makes shopping around vital.

How much is home insurance in Texas per month?

How much is homeowners insurance in Texas per month? Our rate analysis shows that the average home insurance cost in Texas is $345 per month. This rate is for $300,000 in dwelling coverage with a $1,000 deductible and $300,000 of liability protection. The table below shows the average monthly Texas home insurance rates for various coverage limits. Progressive has the cheapest home insurance in Texas at an average of $248 a month.

Company	Monthly premium
USAA*	$265
Farmers	$368
Progressive	$248
State Farm	$366
Nationwide	$481

Data updated in 2024

Best home insurance companies in Texas

Based on our analysis, Farmers is the top home insurance company in Texas. USAA ranks ahead of Farmers, but is only available to military families. Progressive, State Farm and Nationwide round out the top five homeowners insurance companies in Texas.

We can also pull out a few top companies in specific categories to make you choice easier. These are based on third-party ratings and our Best Home Insurance Companies survey for 2024.

Best for cheap rates: Progressive ($2,972 annually)
Best for having a low complaint volume: Farmers ($4,422 annually)
Best for financial stability: State Farm/USAA* ($4,390/$3,183 annually)

Affordable home insurance in Texas can be hard to find, but it's important to look beyond a cheap rate when you're shopping. You need an insurance company that will be there when you it need it.

How we chose the best home insurance companies in Texas: While there are many ways to rank home insurance companies, we used a few simple but important rating factors to choose the best homeowners insurance companies in Texas. The Insurance.com score in the table below is calculated based on AM Best rating for financial stability, NAIC complaint ratio, and average annual rates.

Take a look at the full ranking of home insurance companies in Texas below.

Best home insurance companies in Alaska

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Table

Best home insurance companies in Texas
Company	AM Best	Average annual rate	NAIC Complaint Ratio	Insurance.com score
USAA*	A++	$3,183	0.41	4.81
Farmers	A	$4,422	0.33	3.98
Progressive	A+	$2,972	1.38	3.8
State Farm	A++	$4,390	0.75	3.55
Nationwide	A+	$5,777	0.75	3.03

Data updated in 2024

*USAA insurance is only available to military members, veterans and their families.

Farmers

Farmers came out on top for home insurance in Texas, excluding USAA due to its eligibility requirements. Farmers has a low complaint ratio with the NAIC and a solid rating with AM Best. Its rates are not the lowest among the companies we compared, but customer service put it at the top.

Progressive

Progressive offers the cheapest home insurance in Texas of the companies we analyzed. It has a strong A+ rating from AM Best, balancing out a somewhat higher complaint ratio. Progressive's rates helped land it in the No. 2 spot for Texas home insurance.

State Farm

The biggest name in home insurance nationwide, State Farm is our No. 3 pick for home insurance in Texas. It boasts the highest possible AM Best rating, but rates are a little higher than Farmers.

PEOPLE ASK

Which insurance company is best for customer satisfaction in Texas?

Farmers has the lowest NAIC complaint ratio of any of the companies we ranked for home insurance in Texas.

Cheapest home insurance in Texas

The following home insurance rates are categorized by company for six coverage sets. Based on our rate analysis, you’ll see that Progressive has the best homeowners insurance rates in Texas. USAA has affordable rates for military families, but is only cheaper in one category.

Cheapest for $200,000: Progressive at $2,586 (USAA at $2,375 if you qualify)
Cheapest for $300,000: Progressive at $2,972
Cheapest for $400,000: Progressive at $3,297
Cheapest for $500,000: Progressive at $3,860
Cheapest for $600,000: Progressive at $4,487

Six different dwelling coverages are shown, with a $300,000 liability limit and a $1,000 deductible.

Cheapest home insurance rates in Texas by coverage level
Company	$200,000	$300,000	$400,000	$500,000	$600,000
USAA	$2,375	$3,183	$3,886	$4,482	$4,986
Progressive	$2,586	$2,972	$3,297	$3,860	$4,487
Farmers	$3,247	$4,422	$5,457	$6,238	$6,085
State Farm	$3,542	$4,390	$5,288	$6,211	$7,194
Nationwide	$4,260	$5,777	$6,122	$6,093	$6,145

Data updated in 2024

Texas home insurance trends

What’s affecting home insurance in Texas? Here’s what you need to know.

Texas homeowners are reporting that insurance companies are requiring them to bundle their policies in order to keep home insurance coverage, NBCDFW reports. While bundling often saves money, it's not always the cheapest option.”
Progressive Insurance has stopped writing new policies in Texas, and Texas Public Radio reports that some current customers are being nonrenewed. In a letter to shareholders, Progressive CEO Tricia Griffith noted that the company is “maintaining or reducing our market share in higher volatile states that are more susceptible to catastrophic weather events.”
Hurricane Beryl put pressure on TWIA’s catastrophic reserve fund, leading to a 5-1 vote on the board to submit a request for a 10% rate increase to the Texas Department of Insurance, according to Insurance Business Magazine; TWIA rates have already seen increases.
Homeowners in high-risk areas may need to secure windstorm insurance through the Texas Windstorm Insurance Association, as private insurance companies look to reduce their risk.

Texas home insurance calculator: Rates by ZIP code

ZIP code 77550 in Galveston is among the most expensive places to insure a home in Texas at an average of $10,164. That’s over $8,208 more than in Iglesia Antigua, the cheapest ZIP code in the state for home insurance.

By entering your ZIP code in the homeowners insurance calculator below, you’ll see the average home insurance rate for that area and the highest and lowest premiums fielded from major insurers. This will give you an idea of how much you can save by shopping around for coverage.

Rates are for coverage of $300,000 with a $1,000 deductible and $300,000 liability limits.

Home insurance calculator

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Data updated in 2024

Read our methodology

The Texas Department of Insurance says...

Someone from the insurance company may inspect the outside of your house when you apply for insurance. The company you chose with the best policy and price might not want to sell you insurance if your house is in bad shape.

To improve your home's safety and appearance:

Replace rotting boards, sagging screens, and other damage.
Fix cracks in walkways, loose railings, uneven steps, and things that could cause accidents.
Replace a damaged or worn roof.
Keep your yard clean and trimmed.
Remove tree limbs hanging over your house.
Touch up paint that is peeling or faded.

- The Texas Department of Insurance

Average homeowners insurance in Texas by coverage level

Here is the annual average home insurance cost in Texas for dwelling coverage levels of $200,000 to $600,000 with a $1,000 deductible and liability coverage of $100,000 and $300,000.

Coverage level	Average annual rate	Average cost per month
$200,000 with $1,000 deductible and $100,000 liability	$3,519	$293
$200,000 with $1,000 deductible and $300,000 liability	$3,525	$294
$300,000 with $1,000 deductible and $100,000 liability	$4,136	$345
$300,000 with $1,000 deductible and $300,000 liability	$4,142	$345
$400,000 with $1,000 deductible and $100,000 liability	$4,523	$377
$400,000 with $1,000 deductible and $300,000 liability	$4,529	$377
$500,000 with $1,000 deductible and $100,000 liability	$4,972	$414
$500,000 with $1,000 deductible and $300,000 liability	$4,979	$415
$600,000 with $1,000 deductible and $100,000 liability	$5,318	$443
$600,000 with $1,000 deductible and $300,000 liability	$5,323	$444

Data updated in 2024

Average home insurance cost in Texas by liability limits

Increasing your liability limits gives you a lot more protection and doesn't cost much more. Most home insurance policies come with $100,000 in personal liability insurance, but this is rarely enough coverage. Most experts recommend upping your limits to at least $300,000.

Medical payments pay for injuries to guests in your home but differs from liability in that it applies to injuries regardless of who is at fault. It is for minor incidents, with much lower coverage limits than liability insurance. Medical payments coverage is typically for $1,000 or $5,000.

Take a look at the cost of home insurance with $100,000 in liability coverage and $300,000 in liability coverage by company to compare costs.

Texas homeowners insurance rates by county

The cost of homeowners insurance in Texas varies by county. Find your county below to see how rates in your area compare to the state average.

County	Average annual premium	Average monthly premium
Anderson	$3,461	$288
Andrews	$3,291	$274
Angelina	$3,163	$264
Aransas	$5,294	$441
Archer	$4,536	$378
Armstrong	$4,388	$366
Atascosa	$2,870	$239
Austin	$4,409	$367
Bailey	$4,045	$337
Bandera	$2,759	$230
Bastrop	$2,800	$233
Baylor	$4,460	$372
Bee	$4,467	$372
Bell	$2,823	$235
Bexar	$2,745	$229
Blanco	$2,764	$230
Borden	$3,662	$305
Bosque	$3,678	$306
Bowie	$3,439	$287
Brazoria	$4,898	$408
Brazos	$3,059	$255
Brewster	$2,358	$196
Briscoe	$4,299	$358
Brooks	$3,678	$306
Brown	$3,935	$328
Burleson	$3,316	$276
Burnet	$2,789	$232
Caldwell	$2,801	$233
Calhoun	$4,749	$396
Callahan	$4,120	$343
Cameron	$3,468	$289
Camp	$3,436	$286
Carson	$4,165	$347
Cass	$3,521	$293
Castro	$3,857	$321
Chambers	$4,790	$399
Cherokee	$3,351	$279
Childress	$4,457	$371
Clay	$4,551	$379
Cochran	$4,037	$336
Coke	$3,902	$325
Coleman	$4,006	$334
Collin	$4,077	$340
Collingsworth	$4,597	$383
Colorado	$4,067	$339
Comal	$2,764	$230
Comanche	$4,060	$338
Concho	$3,791	$316
Cooke	$4,254	$354
Coryell	$3,047	$254
Cottle	$4,457	$371
Crane	$3,160	$263
Crockett	$2,929	$244
Crosby	$3,947	$329
Culberson	$2,153	$179
Dallam	$3,778	$315
Dallas	$4,145	$345
Dawson	$3,850	$321
Deaf Smith	$4,245	$354
Delta	$3,898	$325
Denton	$4,162	$347
DeWitt	$3,735	$311
Dickens	$4,303	$359
Dimmit	$2,665	$222
Donley	$4,400	$367
Duval	$3,226	$269
Eastland	$4,204	$350
Ector	$3,399	$283
Edwards	$2,868	$239
El Paso	$2,149	$179
Ellis	$3,793	$316
Erath	$4,175	$348
Falls	$3,104	$259
Fannin	$3,993	$333
Fayette	$3,354	$279
Fisher	$4,117	$343
Floyd	$4,237	$353
Foard	$4,383	$365
Fort Bend	$6,180	$515
Franklin	$3,527	$294
Freestone	$3,496	$291
Frio	$2,754	$230
Gaines	$3,514	$293
Galveston	$5,114	$426
Garza	$4,115	$343
Gillespie	$2,672	$223
Glasscock	$3,623	$302
Goliad	$4,467	$372
Gonzales	$3,275	$273
Gray	$4,349	$362
Grayson	$4,354	$363
Gregg	$3,114	$260
Grimes	$3,685	$307
Guadalupe	$2,839	$237
Hale	$4,002	$334
Hall	$4,384	$365
Hamilton	$3,832	$319
Hansford	$4,258	$355
Hardeman	$4,521	$377
Hardin	$4,338	$362
Harris	$5,829	$486
Harrison	$3,397	$283
Hartley	$3,925	$327
Haskell	$4,498	$375
Hays	$2,613	$218
Hemphill	$4,329	$361
Henderson	$3,497	$291
Hidalgo	$3,334	$278
Hill	$3,737	$311
Hockley	$3,682	$307
Hood	$4,212	$351
Hopkins	$3,649	$304
Houston	$3,358	$280
Howard	$3,678	$307
Hudspeth	$2,360	$197
Hunt	$3,846	$321
Hutchinson	$4,233	$353
Irion	$3,627	$302
Jack	$4,550	$379
Jackson	$4,923	$410
Jasper	$3,996	$333
Jeff Davis	$2,271	$189
Jefferson	$4,065	$339
Jim Hogg	$2,777	$231
Jim Wells	$3,712	$309
Johnson	$3,990	$333
Jones	$4,193	$349
Karnes	$3,559	$297
Kaufman	$3,912	$326
Kendall	$2,714	$226
Kenedy	$4,394	$366
Kent	$4,292	$358
Kerr	$2,637	$220
Kimble	$3,023	$252
King	$4,648	$387
Kinney	$2,487	$207
Kleberg	$3,561	$297
Knox	$4,400	$367
La Salle	$2,800	$233
Lamar	$3,778	$315
Lamb	$3,759	$313
Lampasas	$2,849	$237
Lavaca	$3,764	$314
Lee	$2,963	$247
Leon	$3,395	$283
Liberty	$4,837	$403
Limestone	$3,483	$290
Lipscomb	$4,531	$378
Live Oak	$4,119	$343
Llano	$2,925	$244
Loving	$2,699	$225
Lubbock	$3,937	$328
Lynn	$3,874	$323
Madison	$3,353	$279
Marion	$3,589	$299
Martin	$3,648	$304
Mason	$3,043	$254
Matagorda	$5,247	$437
Maverick	$2,423	$202
Mcculloch	$3,687	$307
Mclennan	$3,315	$276
Mcmullen	$3,008	$251
Medina	$2,805	$234
Menard	$3,197	$266
Midland	$3,397	$283
Milam	$2,983	$249
Mills	$3,694	$308
Mitchell	$3,880	$323
Montague	$4,380	$365
Montgomery	$4,095	$341
Moore	$4,022	$335
Morris	$3,477	$290
Motley	$4,360	$363
Nacogdoches	$3,205	$267
Navarro	$3,614	$301
Newton	$3,815	$318
Nolan	$4,021	$335
Nueces	$4,556	$380
Ochiltree	$4,517	$376
Oldham	$4,065	$339
Orange	$5,190	$433
Palo Pinto	$4,520	$377
Panola	$3,211	$268
Parker	$4,296	$358
Parmer	$3,738	$311
Pecos	$2,759	$230
Polk	$3,926	$327
Potter	$4,201	$350
Presidio	$2,340	$195
Rains	$3,691	$308
Randall	$4,192	$349
Reagan	$3,391	$283
Real	$2,761	$230
Red River	$3,628	$302
Reeves	$2,695	$225
Refugio	$4,557	$380
Roberts	$4,366	$364
Robertson	$3,106	$259
Rockwall	$3,993	$333
Runnels	$3,910	$326
Rusk	$3,289	$274
Sabine	$3,364	$280
San Augustine	$3,273	$273
San Jacinto	$4,011	$334
San Patricio	$4,489	$374
San Saba	$3,231	$269
Schleicher	$3,066	$256
Scurry	$4,184	$349
Shackelford	$4,296	$358
Shelby	$3,122	$260
Sherman	$4,125	$344
Smith	$3,308	$276
Somervell	$4,163	$347
Starr	$2,721	$227
Stephens	$4,323	$360
Sterling	$3,657	$305
Stonewall	$4,378	$365
Sutton	$2,868	$239
Swisher	$4,033	$336
Tarrant	$4,237	$353
Taylor	$4,041	$337
Terrell	$2,545	$212
Terry	$3,824	$319
Throckmorton	$4,325	$360
Titus	$3,475	$290
Tom Green	$3,657	$305
Travis	$2,621	$218
Trinity	$3,378	$281
Tyler	$3,852	$321
Upshur	$3,379	$282
Upton	$3,592	$299
Uvalde	$2,721	$227
Val Verde	$2,609	$217
Van Zandt	$3,642	$303
Victoria	$5,135	$428
Walker	$3,720	$310
Waller	$5,142	$428
Ward	$3,242	$270
Washington	$3,614	$301
Webb	$2,514	$209
Wharton	$5,831	$486
Wheeler	$4,536	$378
Wichita	$4,456	$371
Wilbarger	$4,712	$393
Willacy	$3,587	$299
Williamson	$2,698	$225
Wilson	$2,818	$235
Winkler	$3,209	$267
Wise	$4,390	$366
Wood	$3,553	$296
Yoakum	$3,686	$307
Young	$4,450	$371
Zapata	$2,287	$191
Zavala	$2,472	$206

Data updated in 2024

Average home insurance rates in Texas' largest cities

The following are average rates for some of the state's largest cities for a policy with $300,000 dwelling coverage, a $1,000 deductible, and $100,000 in liability protection.

Among the cities listed below, Houston has the most expensive home insurance rates in Texas at an average of $5,960 a year, largely due to it's proximity to the coast and vulnerability to hurricanes. El Paso has the cheapest home insurance in Texas at an average of $2,144.

City	Avg annual premium	% of state average	% of national average
Arlington	$4,244	10% more	68% more
Austin	$2,609	32% less	4% more
Corpus Christi	$4,741	23% more	88% more
Dallas	$4,129	7% more	64% more
El Paso	$2,144	44% less	15% less
Fort Worth	$4,226	10% more	68% more
Houston	$5,860	52% more	133% more
Lubbock	$3,911	2% more	55% more
Plano	$4,090	6% more	62% more
San Antonio	$2,721	29% less	8% more

Data updated in 2024

There are several ways to reduce your Texas home insurance costs. Bundling your home and auto, for example, can cut your costs by 18% on average, according to our analysis of the best home insurance discounts.

You can also cut costs by making your home more disaster-resistant and doing upgrades. Installing a new roof, updating wiring or plumbing, and installing hurricane glass or accordion shutters might net you a discount.

Texas home insurance: Frequently asked questions

Why is home insurance so expensive in Texas?

Texas home insurance rates are higher than average due to the many weather risks in the state, from hurricanes to tornadoes and even, in recent years, winter storms.

How much is flood insurance in Texas?

The average annual cost of a National Flood Insurance Program (NFIP) policy in Texas is $698 a year. You can also buy flood insurance through a private flood insurance company; rates vary. A separate flood insurance policy is the only way to cover flood damage.

What if I have trouble getting home insurance in Texas?

The Fair Access to Insurance Requirements (FAIR) Plan is a state-mandated program that can provide insurance for individuals who are having trouble protecting their property because insurers consider them high risk. In Texas, the Texas Fair Plan Association (TFPA) provides homeowners insurance when no one else will.

How do I file a complaint about a Texas insurance company?

If you have a dispute that you cannot resolve, you can file a complaint with the Texas Department of Insurance. To file a complaint, use the Texas Department of insurance (TDI) online complaint system. The system allows you to attach up to 24 pages of supporting documents.

If you have questions, call the TDI Help Line at 800-252-3439 from 8 a.m. to 5 p.m. Central time.