Updated: June 1, 2026
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Rates updated:
Jun 17, 2026
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Texas home insurance costs an average of $6,854 per year, with rates ranging from $3,622 to $19,735 per year, depending on various factors.
Home insurance premiums in Texas are the fourth most expensive in the country, with rates 93% over the national average.
To find the best home insurance in Texas, determine your coverage needs, research providers and costs and gather multiple quotes.
Home insurance in Texas is $571 per month or $6,854 per year. Compared to the national average, Texans pay $275 more per month or around $3,306 yearly. These rates make Texas the 4th most expensive state for home insurance in the country.
Estimate premiums for your specific zip code and dwelling value with our free Texas home insurance calculator.
| Texas | $6,854 | $3,548 | 93% |
*These rates represent a home built in 2000 out of frame with $250K dwelling, $125K personal property and $200K liability coverage with a $1,000 deductible.
Your city, the age of your home, weather-related factors and home valuations, influence home insurance costs. For example, the average monthly home insurance cost in El Paso is around $269, while in Dallas, it is higher at $518 per month.
| Abilene | $557 | $6,679 | -3% |
| Allen | $540 | $6,475 | -6% |
| Alto | $420 | $5,041 | -26% |
| Argyle | $607 | $7,283 | 6% |
| Arlington | $550 | $6,597 | -4% |
| Amarillo | $641 | $7,695 | 12% |
| Aubrey | $581 | $6,971 | 2% |
| Beaumont | $710 | $8,524 | 24% |
| Austin | $352 | $4,230 | -38% |
| Brownsville | $657 | $7,880 | 15% |
| Fort Worth | $544 | $6,529 | -5% |
| Corpus Christi | $1,013 | $12,159 | 77% |
| Dallas | $519 | $6,223 | -9% |
| Burleson | $548 | $6,580 | -4% |
| Carrollton | $580 | $6,955 | 1% |
| College Station | $536 | $6,430 | -6% |
| El Paso | $269 | $3,230 | -53% |
| Frisco | $572 | $6,859 | 0% |
| Friendswood | $865 | $10,377 | 51% |
| Houston | $791 | $9,495 | 39% |
| Garland | $530 | $6,357 | -7% |
| Grand Prairie | $586 | $7,029 | 3% |
| Hidalgo | $445 | $5,337 | -22% |
| Laredo | $367 | $4,404 | -36% |
| Humble | $680 | $8,157 | 19% |
| JBSA Ft Sam Houston | $456 | $5,466 | -20% |
| Killeen | $348 | $4,176 | -39% |
| Irving | $544 | $6,532 | -5% |
| Mcallen | $436 | $5,237 | -24% |
| Lewisville | $540 | $6,481 | -5% |
| Lubbock | $530 | $6,364 | -7% |
| Midland | $497 | $5,959 | -13% |
| Mckinney | $538 | $6,453 | -6% |
| Mesquite | $532 | $6,378 | -7% |
| McDade | $545 | $6,536 | -5% |
| Plano | $520 | $6,235 | -9% |
| Pearland | $881 | $10,577 | 54% |
| Odessa | $488 | $5,853 | -15% |
| Pasadena | $885 | $10,623 | 55% |
| San Antonio | $416 | $4,995 | -27% |
| Port Aransas | $1,335 | $16,019 | 134% |
| Round Rock | $353 | $4,241 | -38% |
| San Angelo | $494 | $5,932 | -13% |
| Richardson | $539 | $6,467 | -6% |
| Sugar Land | $780 | $9,355 | 36% |
| Spring | $633 | $7,592 | 11% |
| San Benito | $638 | $7,659 | 12% |
| Webster | $995 | $11,935 | 74% |
| Tyler | $405 | $4,862 | -29% |
| Tomball | $685 | $8,216 | 20% |
| Waco | $442 | $5,302 | -23% |
| Wichita Falls | $695 | $8,339 | 22% |
*These rates represent a home built in 2000 out of frame with $250K dwelling, $125K personal property and $200K liability coverage with a $1,000 deductible.
Home insurance is expensive in Texas because of the following:
Texas homeowners make more claims than the average. The Insurance Information Institute reports that in 2024, the state recorded the second-highest total incurred insurance losses (claim value) in the country, at 64.4 billion dollars, which led insurers to charge more.
Due to the high risks of major weather damage around the Gulf Coast and large population centers in Texas, the likelihood of expensive claims is higher. In 2024, weather-related risks accounted for at least $20 billion in damage, mostly from severe storms and cyclones.
Construction costs accounted for a record 64% of new home prices in 2024, up from around 61% in 2022, according to the National Association of Home Builders' (NAHB) latest survey. Since 2020, wages for construction workers have risen by 35%, raising the cost of damages. These factors contribute to higher claims costs for insurers.
Texas operates under a file and use system, allowing insurers to notify state departments and raise insurance rates without full approval from the Texas Department of Insurance.
Home insurance is required if you’re getting a mortgage, and with most opting out of that market to keep renting due to the high expenses, insurers have less money to draw from for claims, increasing the risk of insuring homeowners.
Location has the greatest impact on Texas home insurance rates, with rates varying by up to 134%. Weather risks, home value and population density determine your costs.
| Lowest | El Paso | $269 | $3,230 |
| Highest | Port Aransas | $1,335 | $16,019 |
Coverage choices rank second in Texas home insurance pricing, and rates run $3,298 to $20,807 yearly. Higher coverage limits and lower deductibles raise premiums. Lower limits and higher deductibles cut costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | $2,000 | $275 | $3,298 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | $500 | $1,734 | $20,807 |
Home details (age, construction materials and roof type) rank third in Texas pricing, running $221 to $591 monthly. These factors affect replacement costs and damage risk, creating major rate differences.
| Lowest | Newer | 800 | Low-Risk | $221 | $2,647 |
| Highest | Middle Age | 2500 | High-Risk | $591 | $7,095 |
Your insurer choice ranks fourth in Texas pricing; rates range from 41% below to 47% above the state average.
| Lowest | Mercury Insurance | $252 | $3,025 |
| Highest | Progressive | $881 | $10,571 |
Higher credit scores signal reliability and reduce your home insurance costs. Premiums vary by up to 97%, with annual rates running $5,056 to $11,527.
| Lowest | Excellent | $421 | $5,056 |
| Highest | Poor | $961 | $11,527 |
Claims history affects Texas homeowners insurance less than other factors. More claims mean higher perceived risk and higher premiums.
| Lowest | Claim free for 5+ years | $571 | $6,854 |
| Highest | 2 claims in past 5 year | $801 | $9,617 |
Especially with high costs in Texas, you need to find ways to save on premiums to buy a home or cut expenses for your current home. You can use our tips to find the best and cheapest home insurance in Texas.
Determining how much home insurance you need helps you avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect extra belongings.
Understand average costs for you and your home specifically. Also, ask agents about home insurance discounts.
Compare multiple insurers using multiple different avenues, such as online comparison sites, brokers, provider websites and provider agents.
You can save when bundling policies. For example, if you bundle home and auto insurance in Texas, you can save up to 29% on home insurance and $1,188 per year for both policies.
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums. For example, moving from a fair to a good credit score can save you 28% on average.
If you are denied by traditional insurers, Texas offers the TFPA policy to insure you. While TFPA plans don’t offer the same amount of coverage you get with traditional policies, it does satisfy mortgage requirements.
Home insurance costs depend on several factors, with location and coverage level being the most important. Research your needs and average prices, then use our estimate tool to find the best deal.
MoneyGeek answers common questions about home insurance in the state.
Texas' average monthly home insurance cost is $571 for a dwelling coverage of $250K.
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a role.
Texas home insurance pricing confuses homeowners because rates fluctuate based on location, coverage and home details. We calculated average costs using consistent inputs to show what you should expect to pay.
Sample Home Profile
We used this baseline Texas home for all calculations: $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage, built in 2000, frame construction, composition roof, $1,000 deductible, no claims in five or more years and fire protection level of three.
Rate Variations
Your actual rates will differ based on coverage level, provider choice, home age, home features, credit and claims history. All other rate comparisons in this article assume a home 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 has produced 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.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
