Our home insurance calculator uses your coverage limits, location, home age, credit score and more to generate a personalized rate estimate for Texas homeowners with profiles like yours. Choose your details below to estimate home insurance rates for your situation.
Home Insurance Calculator in Texas
Updated: July 16, 2026
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Key Takeaways
Texas homeowners pay an average of $560 per month ($6,720 per year) for $250,000 in dwelling coverage, 94% above the national average of $289 per month ($3,468 per year). That makes Texas one of the most expensive states for home insurance in the country.
Calculating home insurance needs starts with estimating your home's replacement cost for dwelling coverage and taking inventory of your belongings to calculate personal property coverage. Our free calculator makes both steps straightforward.
Shopping around is especially high-impact in Texas, where the spread between the cheapest provider (Mercury Insurance at $3,025 per year) and the most expensive (Progressive at $10,571 per year) is $7,546 per year, making provider comparison one of the most effective ways to lower your rate.
Estimate Your Texas Home Insurance Cost
Texas Home Insurance Rate Calculator
A profile of 41- to 60-year-old homeowners with no prior claims insuring a 2,500-square-foot home with a $1,000 deductible.
Select Coverage Level
Select Deductible
Select Home Age
Select Credit Alignment
Average Monthly Premium—
Select Coverage Level
Average Monthly Premium—
Select Deductible
Select Home Age
Select Credit Alignment
How Texas Home Insurance Costs Are Calculated
Home insurance rates in Texas depend on both the risk tied to your home and your profile as a policyholder. Each insurer weighs these factors differently, which is why rates vary widely from one company to the next. Coverage levels, provider, city, home age, credit score and claims history all play into the final price.
Coverage LevelThe amount of coverage you select is one of the most powerful drivers of your premium. More coverage means more insurer exposure and a higher rate. In our Texas analysis, the lowest tier ($100,000 dwelling) averages $296 per month while the highest ($1 million dwelling) averages $1,611 per month, a $1,315 monthly difference. Choose coverage that reflects your home's full replacement cost rather than its market value, and resist the urge to underinsure simply to lower your premium.
ProviderThe insurer you choose matters enormously in Texas, where pricing for the same home profile varies by thousands of dollars per year. In our Texas data, Mercury Insurance averages $3,025 per year while Progressive averages $10,571 per year for the same profile, a $7,546 annual spread. Always compare quotes from at least four to five providers before committing to a policy.
CityWhere your home sits within Texas has an outsized effect on your rate, driven by proximity to coastal hazards, severe weather patterns and local claims frequency. We found that El Paso averages $263 per month (53% below the state average). Port Aransas averages $1,361 per month (143% above the state average), a gap tied to extreme hurricane and coastal wind exposure along the Gulf Coast. Houston ($788 per month), Corpus Christi ($1,013 per month) and Beaumont ($703 per month) all run well above the state average. Austin ($344 per month) and San Antonio ($407 per month) are well below. Texas has among the widest geographic rate variation in the country, so your city alone can shift your premium by hundreds of dollars per month.
House AgeOlder homes tend to cost more to insure because they often have outdated electrical, plumbing or roofing systems that present higher risk to insurers. Our data showed us that newer homes average $344 per month while middle-age homes average $560 per month, a $216 monthly difference ($2,592 per year), while older homes average $555 per month, nearly the same as middle-age. If you own an older home, upgrading key systems like your roof or electrical panel can help reduce your premium.
Credit ScoreIn most states, including Texas, insurers use credit-based insurance scores as a proxy for risk. In our analysis, homeowners with excellent credit pay $410 per month on average. Those with poor credit pay $939 per month, a $529 monthly difference ($6,348 per year). Improving your credit score over time is one of the most effective long-term strategies for reducing your home insurance premium.
- Claims History
Filing claims signals risk to insurers and can raise your rate for several years after each incident. In our Texas data, a homeowner with one prior claim pays roughly $616 per month compared to $560 per month for a claim-free homeowner at a $1,000 deductible, and two claims push that to roughly $652 per month. For smaller repairs, consider paying out of pocket rather than filing a claim to protect your claims-free discount and keep your rate lower long-term.
All rates referenced on this page are based on our analysis of quotes for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible.
MoneyGeek partnered with Quadrant Information Services to gather premium data from major national and regional insurers across Texas, profiling a middle-aged homeowner (41–60) with good credit and no recent claims, insuring a 2,500-square-foot wood-frame home built in 2000 with a standard package of $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. This baseline reflects what low-risk Texas homeowners pay, though your actual rate will vary based on your home's age, construction, claims history and exact coverage limits. Learn more about our home insurance methodology.
How Much Home Insurance Do You Need in Texas?
Dwelling coverage is the cornerstone of any home insurance policy and the primary driver of your premium. It should be set to your home's full replacement cost, not its market value, which you can estimate by multiplying your home's square footage by local construction costs per square foot. Use our free home replacement cost estimator below to get a quick, data-backed starting point for your dwelling coverage amount.
Home Replacement Cost Estimator
A simple way to get a replacement cost estimate for your home is to find the average per-foot rebuilding cost for your area and multiply that by your home's overall square footage.
Home Details
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How Much Personal Property Coverage Do You Need in Texas?
Personal property coverage protects the belongings inside your home, including furniture, electronics, clothing and appliances. Your coverage amount should match the total replacement value of everything you own. Take a home inventory to add up the replacement value of your possessions, then use our free calculator below to find the coverage amount that fits your needs.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
How to Decide How Much Texas Home Insurance to Buy
A standard Texas home insurance policy is built around three core coverages that together determine both your protection and your premium: dwelling coverage, which covers the structure of your home; personal property coverage, which protects your belongings; and personal liability coverage, which shields you financially if someone is injured on your property.
Dwelling CoverageDwelling coverage pays to repair or rebuild the physical structure of your home, including walls, roof, floors, built-in appliances and attached structures, if it is damaged by a covered peril such as fire, wind or hail. Coverage options range from $100,000 to $1 million, though actual limits depend on the provider. To determine your coverage amount, estimate your home's full replacement cost (not its market value) by multiplying your square footage by local construction costs per square foot.
Personal Property CoveragePersonal property coverage reimburses you for the cost of replacing your belongings, including furniture, electronics, clothing and appliances, if they are stolen or damaged by a covered event. Standard limits range from $50,000 to $500,000, though actual options vary by provider. To find the right amount, conduct a home inventory and total the replacement value of everything you own, then set your coverage limit accordingly.
Personal Liability CoveragePersonal liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else's property, covering legal fees, medical bills and settlements up to your policy limit. Coverage ranges from $100,000 to $1 million, though available limits depend on your provider. A good rule of thumb is to set your liability limit at least equal to your total net worth so your assets are fully protected in the event of a lawsuit.
How to Save on Home Insurance in Texas
Texas homeowners pay some of the highest home insurance rates in the country, but several proven strategies can bring your premium down meaningfully. Follow the steps below to make sure you're getting the most affordable home insurance coverage for your needs:
- 1Compare Providers
In our Texas data, Mercury Insurance averages $3,025 per year while Progressive averages $10,571 per year for the same profile, a $7,546 annual spread that makes provider comparison the single highest-impact action a Texas homeowner can take. If you live along the Gulf Coast near Houston, Corpus Christi or Beaumont where rates run 40% to 143% above the state average, comparing at least five or six providers is worth doing since the pricing spread is enormous. If you are in Austin, San Antonio or El Paso where rates fall well below the state average, start with Mercury Insurance or USAA for the lowest baseline rates in our data.
- 2Bundle Home and Auto Insurance
Bundling home and auto insurance is one of the easiest ways to reduce your home insurance premium, with most major insurers offering a multi-policy discount that can shave 5% to 25% off your combined rate. Ask your current auto insurer what discount it offers for adding a home policy, and compare that bundled rate against standalone quotes to confirm you are getting the best deal.
- 3Ask About Available Discounts
Most Texas insurers offer a range of home insurance discounts, including loyalty, new home, claims-free, protective device and roof upgrade discounts, that can add up to real savings when stacked together. Providers available in Texas like State Farm, Farmers, Nationwide and Chubb each have their own discount structures, so ask your agent to walk through every available discount for your profile.
- 4Raise Your Deductible
Increasing your deductible is one of the fastest ways to lower your annual premium. In our Texas data, raising the deductible from $500 to $1,000 saves roughly $480 per year ($600 per month vs. $560 per month), and moving from $1,000 to $2,000 saves another $660 per year. Make sure you have enough savings set aside to cover the higher deductible if you need to file a claim.
Texas Home Insurance Calculator: Bottom Line
Texas homeowners pay some of the highest home insurance costs in the nation, averaging $560 per month ($6,720 per year) for $250,000 in dwelling coverage. The $7,546 annual spread between the cheapest provider (Mercury Insurance at $3,025 per year) and the most expensive (Progressive at $10,571 per year) means that where you shop matters as much as where you live.
Geographic location adds another layer of complexity, with Gulf Coast cities like Port Aransas running more than double the rates of inland cities like El Paso, so comparing multiple providers is especially important if you live in a high-exposure area. See our best homeowners insurance guide for top providers, or check cheap homeowners insurance options if cost is your main priority for your Texas home.
Texas Home Insurance Estimate: FAQ
Texas homeowners often have questions about what drives their rates and how much coverage to carry. Here are answers to the most common ones.
The average is $560 per month ($6,720 per year) for $250,000 in dwelling coverage, which is 94% above the national average of $289 per month ($3,468 per year). Your actual rate will depend on your city, coverage level, credit score, claims history and the provider you choose.
Home insurance is not legally required in Texas, but if you have a mortgage, your lender will almost certainly require you to carry a policy that covers at least the replacement cost of the structure. Even if you own your home outright, going without coverage in a state as prone to hurricanes, hail, tornadoes and flooding as Texas is a substantial financial risk, since a single major storm can cause hundreds of thousands of dollars in damage.
Start with your dwelling coverage, which should equal your home's full replacement cost, not its market value. Estimate this by multiplying your home's square footage by the local cost to rebuild per square foot, or use our free Home Replacement Cost Estimator above. For personal property coverage, take a home inventory and total the replacement value of your belongings. For liability coverage, a common guideline is to set your limit at least equal to your total net worth. Our free calculator at the top of this page can help you estimate your premium once you have determined your desired coverage limits.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.