Average Cost of Home Insurance in Texas (2026)

Texas homeowners pay an average of $6,715 annually, or $560 monthly, for a policy with $250,000 in dwelling coverage. That’s $3,248 more than the national average cost of home insurance. Texas sits in one of the country’s most active hail corridors, and its long Gulf Coast adds hurricane risk on top of that.

Where you live in Texas can change your premium by more than $13,000 a year, with Gulf Coast towns at the top and inland cities like El Paso and Austin at the bottom.

Port Aransas and Corpus Christi sit directly on the Gulf in Nueces County, where hurricane wind exposure is highest. Webster, Pasadena and Pearland surround Galveston Bay. That bay exposure helps explain why Houston averages $9,453 and Dallas averages $6,025. If you're moving from Houston to Austin, the same coverage costs $5,327 less a year. If you're buying near the coast, get insurance quotes before you make an offer.

Texas homeowners who need more than $250,000 in dwelling coverage pay well over $10,000 a year once they reach $500,000 in limits.

Doubling dwelling coverage from $250,000 to $500,000 adds $4,412 a year in Texas. That's a 66% increase for twice the coverage. If your home would cost $500,000 to rebuild and you insure it for $250,000, you save $4,412 a year but take on a $250,000 shortfall after a total loss. Your price also depends on your home and ZIP code, and MoneyGeek's home insurance calculator estimates it.

Because Texas premiums are higher than the national average, raising your deductible saves more dollars here than it does for the average U.S. homeowner.

Raising your deductible from $1,000 to $2,000 saves $660 a year in Texas. The same change saves $341 nationally. If a $2,000 out-of-pocket expense after a claim wouldn't strain your budget, it's the better tradeoff at Texas' rate level. If you're still carrying a $500 deductible, you're paying $1,148 more a year than you would at $2,000.

Among the Texas insurers we compared, annual rates range from $3,025 to $10,571 for the same policy with $250,000 in dwelling coverage.

Mercury Insurance is the cheapest of the Texas insurers we compared, at $3,025 annually. Progressive is the most expensive at $10,571. If you’re with Progressive, staying put costs you $7,546 a year for the same policy. If you’re with Chubb or Nationwide, you’re paying $6,328 or $4,281 more than Mercury Insurance charges.

State Farm is the next-cheapest option open to most homeowners, at $4,455 annually. If you or a family member served in the military, USAA averages $4,233. Regional carriers not in this table may price differently in parts of the state, so add one to your quotes. MoneyGeek’s ranking of the best homeowners insurance companies weighs claims service and coverage options alongside price.

Newer homes are much cheaper to insure in Texas, while older and middle-aged homes cost almost the same.

If you're choosing between a newer and a middle-aged home, the newer build averages $2,592 less a year to insure in Texas. That difference offsets part of a newer home's higher purchase price. A newer roof is likely a big part of the reason, since worn roofs take more damage in Texas hailstorms. If you already own an older home, its age isn't raising your rate: older homes average $54 less than middle-aged ones. Your roof's condition is the better place to focus.

A claim raises Texas premiums by the same percentage it does nationally, but the dollar increase is much larger.

One claim in five years adds $1,069 a year to the Texas average. Nationally, the same claim adds $552. If you have two claims on your record, you're paying $1,968 more a year than a claim-free homeowner. Texas hail makes small roof claims tempting. Before filing one that's only a little above your deductible, compare the payout to that $1,069 annual increase.

Credit creates a wider price range in Texas than claims history, deductible or home age.

If your credit is poor, you’re paying $11,274 a year on average in Texas. That’s $6,359 more than a homeowner with excellent credit pays for the same policy. Texas lets insurers use credit to set home insurance rates. If your credit is fair, protecting it matters most: dropping to below-fair adds $1,866 a year, the largest jump between any two credit levels.

Texas sits in one of the country's most active hail corridors, with storms hitting from the Panhandle through Central Texas each spring. Insurers build those repeat roof claims into the price of every Texas policy. Along the Gulf Coast, hurricanes add wind and storm surge risk on top of hail.

Insurers price a policy around what it would cost to rebuild your home. Rising home values and construction costs in fast-growing metros like Houston, Dallas and Austin push those rebuild estimates higher. Many carriers compete for Texas homeowners, and the highest- and lowest-priced carriers differ by $7,546 a year for the same home.