State Farm offers the best home insurance in Dallas, with a strong balance of affordability, customer service and coverage options. For those prioritizing price, State Farm also provides the most affordable home insurance in the city, starting at $330 per month.
Cheap Home Insurance in Dallas
Updated: October 30, 2025
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Key Takeaways
State Farm is the best overall home insurance provider in Dallas. The company also offers the cheapest rates at around $3,963 per year.
The average cost of home insurance in Dallas is approximately $616 per month or $7,389 annually.
To secure the best and most affordable home insurance, assess your coverage needs, explore different providers and compare quotes carefully.
Best Cheap Home Insurance Companies in Dallas
| State Farm | 90 | $330 | $3,963 |
| Amica | 85 | $762 | $9,146 |
| Nationwide | 84 | $653 | $7,832 |
| Farmers | 83 | $443 | $5,318 |
| Chubb | 80 | $891 | $10,689 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Dallas Home Insurance Cost?
Dallas home insurance costs vary widely depending on your personal profile, coverage level and home details. Monthly rates range from $170 to $1,771. Use the table below to compare personalized rates based on your home's age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $170 | $2,041 |
How to Get the Best Cheap Home Insurance in Dallas
Finding affordable home insurance in Dallas can be tough. We've created a step-by-step guide to help you discover the best cheap homeowners insurance suited to your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Average home insurance costs in Texas can vary a lot depending on your location and coverage needs. Reviewing the best homeowners insurance in Texas gives you a clearer sense of which companies consistently deliver strong value and dependable claims service across the state, before narrowing your search to Dallas-specific options.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes apples-to-apples will allow you to assess the best option for you. Pricing also will vary depending on where you get your quote, so get quotes online and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Dallas: Bottom Line
The best and most affordable home insurance companies in Dallas are State Farm, Amica and Nationwide. While these are strong picks for Dallas, prices differ throughout Texas. If you’re comparing options beyond the city, our guide to cheap homeowners insurance in Texas highlights which insurers consistently offer the lowest coverage statewide.
Dallas Home Insurance: FAQ
Below, we've answered common home insurance questions for Dallas residents.
Who offers the best home insurance in Dallas?
State Farm offers the best home insurance in Dallas. The company has competitive rates, strong customer service and a variety of coverage options. Also consider getting quotes from Amica, Nationwide, Farmers and Chubb.
Who has the cheapest home insurance in Dallas?
State Farm offers the most affordable average home insurance in Dallas, with rates starting at $330 per month or $3,963 annually. Your specific rates may differ based on individual factors and policy choices.
What does home insurance cost in Dallas?
Home insurance in Dallas ranges from $2,041 to $21,252, with coverage and home age being significant cost factors.
How We Decided the Best Cheap Home Insurance Companies in Dallas
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Dallas. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.