Updated: December 29, 2025
Advertising & Editorial Disclosure
The best and most affordable provider in Houston is State Farm, with rates averaging $371 monthly, while USAA is best for military members.
State Farm policyholders in Houston can add scheduled personal property coverage and water backup coverage to supplement their policy.
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.
In Houston, State Farm has the best home insurance, balancing affordability, customer service and coverage options to choose from. USAA offers the best rates for Houston's military members and veterans, although coverage is only availableto those who have served or are currently serving.
However, if you're looking for the best home insurance in Texas, MoneyGeek also examined providers on a state level.
| State Farm | $371 | $4,457 | -53% | 4.69 |
| Chubb | $818 | $9,814 | 4% | 4.59 |
| Nationwide | $397 | $4,770 | -50% | 4.44 |
| Farmers | $764 | $9,165 | -3% | 4.38 |
| Mercury Insurance | $386 | $4,636 | -51% | 4.24 |
| Progressive | $1,461 | $17,537 | 86% | 3.84 |
| IAT Insurance Group | $1,587 | $19,038 | 101% | 3.5 |
*Rates are for a 2,500-square-foot home built in 2000, with $250,000 of dwelling coverage and a $1,000 deductible.
Average Annual Premium
Number of Endorsements
Number of Discounts
Your credit score significantly influences home insurance premiums in Houston, with the gap between poor and excellent credit resulting in annual cost differences of $2,105 to $36,589 depending on the insurer. State Farm, Nationwide and Mercury Insurance offer the most competitive rates for excellent and good credit holders, with annual premiums substantially lower than what poor credit homeowners pay at any provider.
Use the table below to see how your credit score impacts insurance costs across different providers.
| USAA | $289 | $3,469 | -51% | 4.95 |
| State Farm | $195 | $2,341 | -67% | 4.69 |
| Chubb | $487 | $5,843 | -17% | 4.67 |
| Nationwide | $200 | $2,396 | -66% | 4.45 |
| Farmers | $516 | $6,188 | -12% | 4.42 |
| Mercury Insurance | $258 | $3,092 | -56% | 4.22 |
| Progressive | $1,427 | $17,126 | 144% | 3.78 |
| IAT Insurance Group | $1,309 | $15,713 | 124% | 3.55 |
Filing home insurance claims significantly increases premiums in Houston, with each claim adding substantial costs to your annual rate. Homeowners with a claim-free history for five or more years pay $4,457 to $19,038 annually with major insurers, while those who filed two claims in the past five years face premiums of $5,763 to $24,618, representing increases of $1,306 to $5,580 per year depending on the provider.
Toggle between claims history categories in the table below to see how filing affects your insurance costs across different providers in Houston.
| USAA | $273 | $3,276 | -50% | 4.96 |
| Chubb | $308 | $3,697 | -43% | 4.77 |
| State Farm | $211 | $2,536 | -61% | 4.68 |
| Farmers | $469 | $5,626 | -14% | 4.45 |
| Nationwide | $192 | $2,309 | -65% | 4.45 |
| Mercury Insurance | $231 | $2,766 | -57% | 4.23 |
| Progressive | $1,569 | $18,825 | 189% | 3.78 |
| IAT Insurance Group | $1,084 | $13,012 | 100% | 3.59 |
Home insurance premiums in Houston depend on multiple factors including your location, individual circumstances, selected policy options and property characteristics. Monthly rates in Houston average $788 compared to the statewide average cost of home insurance in Texas at $571 — a difference of $217 per month.
Use the table below to compare customized rates in Houston based on your preferred coverage limits and deductible amount.
| USAA | $133 | $1,592 | -54% | 4.96 |
| Chubb | $257 | $3,088 | -10% | 4.61 |
| State Farm | $144 | $1,724 | -50% | 4.54 |
| Farmers | $142 | $1,710 | -50% | 4.43 |
| Auto-Owners Insurance | $379 | $4,552 | 32% | 4.43 |
| American Family | $396 | $4,747 | 38% | 4.39 |
| Allstate | $92 | $1,100 | -68% | 4.35 |
| Nationwide | $253 | $3,034 | -12% | 4.19 |
| Travelers | $789 | $9,464 | 175% | 3.5 |
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.
Determining your home insurance coverage needs allows you to compare quotes easily amongst the best home insurance providers in Texas and stops you from being oversold by agents.
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.
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.
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.
Below we've answered some frequently asked questions about Houston home insurance:
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.
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.
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.
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
