The cost of home insurance in Texas ranges from $296 per month for $100,000 in dwelling coverage to $1,611 for $1 million in coverage. Rates change based on your coverage limits, homeowner profile and the specific location within Texas.
Average Home Insurance Cost in Texas (2026)
Updated: July 9, 2026
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Texas Home Insurance Costs in 2026
| $100K Dwelling / $50K Personal Property / $100K Liability | $296 | $3,550 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $560 | $6,715 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $927 | $11,127 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $1,277 | $15,328 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $1,611 | $19,332 |
HOW DOES MONEYGEEK GET DATA?
MoneyGeek calculated Texas home insurance rates using a standard homeowner profile. Our rates come from Quadrant Information Services, which pulls 15,724,800 quotes from state insurance regulators across 212 ZIP codes, so these are the real numbers carriers have committed to, not broker estimates or online quote approximations. Learn about MoneyGeek's home insurance methodology.
Average Texas Home Insurance Costs by City
While $560 a month is the average across the state, Texas home insurance rates change based on which city you live in. For instance, within the Houston metro, rates split based on how far into flood-prone areas you go: Pearland, Friendswood and Pasadena are all higher in cost than Houston itself, while Tomball and Humble come in about $1,300 to $1,400 cheaper just by sitting on higher, drier ground. See the average cost by Texas city in the table below for $250,000 in dwelling coverage:
| Abilene | $539 | $6,468 | -3.68 |
| Allen | $525 | $6,294 | -6.27 |
| Alto | $409 | $4,906 | -26.94 |
| Amarillo | $620 | $7,441 | 10.80 |
| Argyle | $590 | $7,079 | 5.41 |
| Arlington | $533 | $6,397 | -4.74 |
| Aubrey | $565 | $6,776 | 0.90 |
| Austin | $344 | $4,126 | -38.55 |
| Beaumont | $703 | $8,433 | 25.59 |
| Brownsville | $650 | $7,799 | 16.13 |
| Burleson | $531 | $6,367 | -5.18 |
| Carrollton | $563 | $6,755 | 0.60 |
| College Station | $526 | $6,315 | -5.96 |
| Corpus Christi | $1,013 | $12,161 | 81.10 |
| Dallas | $502 | $6,025 | -10.27 |
| El Paso | $263 | $3,157 | -52.99 |
| Fort Worth | $528 | $6,330 | -5.73 |
| Friendswood | $862 | $10,349 | 54.12 |
| Frisco | $556 | $6,672 | -0.64 |
| Garland | $514 | $6,165 | -8.19 |
| Grand Prairie | $569 | $6,834 | 1.76 |
| Hidalgo | $439 | $5,262 | -21.64 |
| Houston | $788 | $9,453 | 40.78 |
| Humble | $674 | $8,091 | 20.49 |
| Irving | $528 | $6,341 | -5.57 |
| Jbsa Ft Sam Houston | $422 | $5,059 | -24.67 |
| Killeen | $340 | $4,074 | -39.33 |
| Laredo | $360 | $4,314 | -35.76 |
| Lewisville | $524 | $6,292 | -6.30 |
| Lubbock | $515 | $6,182 | -7.93 |
| Mcallen | $430 | $5,159 | -23.17 |
| McDade | $535 | $6,417 | -4.45 |
| Mckinney | $523 | $6,274 | -6.57 |
| Mesquite | $515 | $6,181 | -7.96 |
| Midland | $481 | $5,768 | -14.11 |
| Odessa | $472 | $5,664 | -15.66 |
| Pasadena | $887 | $10,645 | 58.52 |
| Pearland | $874 | $10,493 | 56.25 |
| Plano | $504 | $6,054 | -9.85 |
| Port Aransas | $1,361 | $16,326 | 143.12 |
| Richardson | $523 | $6,273 | -6.59 |
| Round Rock | $344 | $4,125 | -38.57 |
| San Angelo | $479 | $5,745 | -14.45 |
| San Antonio | $407 | $4,884 | -27.27 |
| San Benito | $630 | $7,565 | 12.65 |
| Spring | $626 | $7,509 | 11.82 |
| Sugar Land | $774 | $9,289 | 38.33 |
| Tomball | $678 | $8,135 | 21.14 |
| Tyler | $395 | $4,736 | -29.48 |
| Waco | $429 | $5,144 | -23.41 |
| Webster | $1,000 | $11,996 | 78.63 |
| Wichita Falls | $671 | $8,054 | 19.94 |
Fun Facts About Home Insurance Costs in Texas
Every city in Texas's top five most expensive list sits on or near the Gulf Coast: Port Aransas, Corpus Christi, Webster, Pasadena and Pearland all run more than 54% above the state average. Coastal wind and flood exposure drive most of that premium gap.
Port Aransas is in a class by itself at $16,326 per year, more than $4,000 higher than the next most expensive city, Corpus Christi, because it sits on a barrier island with direct hurricane landfall risk that even other coastal cities don't have.
El Paso, Killeen, Austin and Round Rock all come in well under the state average. Sitting inland and away from Gulf wind and hail exposure keeps rates down. El Paso is the cheapest city in our data at $3,157 per year, 53% below the state average.
Average Texas Home Insurance Costs by Company
Every insurer runs its own math on how likely you are to file a claim; two companies looking at the same house in the same ZIP code can land on completely different numbers because they weigh things like your claims history, credit score and roof age differently.
Based on our data, Chubb and Farmers are almost the same price on a $100,000 policy (within $12 a year), but Chubb gets a lot more expensive as coverage goes up; at $500,000 in dwelling coverage, it costs $4,845 more per year than Farmers for the same coverage.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
| Mercury Insurance | $252 | $3,025 |
| USAA | $353 | $4,233 |
| State Farm | $371 | $4,455 |
| Farmers | $482 | $5,790 |
| Nationwide | $609 | $7,306 |
| IAT Insurance Group | $749 | $8,990 |
| Chubb | $779 | $9,353 |
| Progressive | $881 | $10,571 |
*USAA is only available for military members, veterans and their family members.
Average Home Insurance Rate in Texas by Homeowner Profile
While the rates above represent most homeowners in Texas, it may not be the right estimate for you. See how rates change based on your homeowner profile for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in personal liability coverage and a $1,000 deductible.
Select Credit Score
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Select Owner Age Group
Average Monthly Premium—
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Texas Home Insurance Rates: The Bottom Line
Texas homeowners insurance is expensive compared to most of the country, and where you live in the state makes a bigger difference than which company you pick, since Port Aransas runs $13,169 more per year than El Paso purely based on location.
If you're on the coast, you're going to pay a lot more, but inland there's real room to save by shopping around since the cheapest and most expensive companies can be thousands of dollars apart for the same coverage. Mercury is worth checking first if price is your main concern, since it came in cheapest at every coverage level we looked at, but the right choice really comes down to your home's value and where it sits.
Average Home Insurance Cost Texas: FAQ
These are answers to common questions about the cost of home insurance in Texas:
The average Texas homeowner pays around $560 a month, but that number moves a lot depending on where you live. Coastal cities like Corpus Christi average over $1,000 a month while inland cities like El Paso come in closer to $263.
Texas sits in the middle of some of the worst weather in the country, with Gulf Coast hurricanes to the south and east, hail storms cutting through the middle of the state and tornadoes running through the north. Insurers price that risk in, which is why coastal cities cost so much more than inland ones and why Texas rates run higher than most other states overall.
Texas has no state law requiring homeowners insurance. Lenders are the real requirement: nearly every mortgage company demands proof of coverage before closing and for as long as the loan is active. Lenders set the dwelling coverage amount to match the loan balance, not the cost to rebuild the home. Check your dwelling limit against a current rebuild estimate, since construction costs can run well above the mortgage balance.
Our Methodology For Determining Texas Home Insurance Costs
MoneyGeek's average cost estimates for Texas home insurance rely on a standardized profile, detailed below:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
Rates vary by coverage level, provider, home age, home features, credit and claims history. All other combinations in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.