In Houston, Amica has the best home insurance having a great balance of affordability, customer service and coverage options to choose from. However, if you're looking for the cheapest rates overall in the state, State farm has the lowest premiums at an average of $450 per month.
Cheap Home Insurance in Houston
Updated: June 4, 2025
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Key Takeaways
The best overall home insurance company in Houston is Amica while State Farm is the cheapest with average rates of $5,402 per year.
Home insurance in Houston costs an average of $692 per month or $8,307 per year for most homeowners in the city.
To get the best and cheapest home insurance in Houston, decide on your coverage needs beforehand, research costs and companies, and compare plenty of quotes apples to apples.
Best Cheap Home Insurance Companies in Houston
| Amica | 95 | $728 | $8,733 |
| Chubb | 92 | $1,081 | $12,974 |
| Nationwide | 91 | $653 | $7,840 |
| State Farm | 90 | $450 | $5,402 |
| Farmers | 86 | $549 | $6,588 |
*Rates are for a 2,500-square-foot home built in 2000, with $250,000 of dwelling coverage and a $1,000 deductible.
How Much Does Houston Home Insurance Cost?
Houston home insurance costs vary widely by your personal profile, coverage chosen and home details ranging anywhere from $184 to $1,246 per month on average. Below you can compare personalized rates based on your home age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Older Home
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
| $250K Dwelling / $125K Personal Property / $200K Liability | $692 | $8,307 |
How to Get the Best Cheap Home Insurance in Houston
It can be difficult to find affordable home coverage in Houston, so we've created a step-by-step guide for you to find the best cheap homeowners insurance for you.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs allows you to compare quotes easily and stops you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in Texas for your city and profile can help you gauge exactly how much you are saving on average with any given provider. Also, understanding what discounts you may qualify for will help you find companies that offer them, leading to cheaper rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research you need to understand what add-on coverages companies offer and their reputations for filing claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review forum like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes apples to apples will allow you understand side by size who is the cheaper option for you. Pricing also will vary depending on where you get your quote, so we recommend that you use online means, independent agents, and captive agents to get quotes to make sure you get the lowest price.
Best Home Insurance in Houston: Bottom Line
Overall, the top three best and cheapest home insurance providers in Houston are Amica, Chubb and Nationwide. While these are our recommendation, it is best to do research for yourself and compare multiple quotes from companies to get the best deal.
Houston Home Insurance: FAQ
Below we've answered some frequently asked questions about Houston home insurance:
Who offers the best home insurance in Houston
Our top pick for home insurance in Houston is Amica who has a great mix of low rates, great customer service ratings, and a large selection of add-on coverages. While this is the case, we also recommend reaching out to Chubb, Nationwide, State Farm, and Farmers.
Who has the cheapest home insurance in Houston?
The cheapest home insurance rates for most homeowners are offered by State Farm, who has average pricing of $450 per month or $5,402 yearly. However, your rates will vary greatly depending on personal details, home specifications, and your coverage choices.
What does home insurance cost in houston?
Houston home insurance costs around $8,302 per year for most homeowners, but pricing can vary greatly depending on many factors, ranging from $2,214 to $27,015 yearly.
How We Decided The Best Cheap Home Insurance Companies in Houston
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Houston. 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.