Overall, home insurance in Texas is $571 per month or $6,854 per year. Compared to the national average, Texans pay $275 more per month or around $3,306 yearly. These rates make Texas the 4th most expensive state for home insurance in the country.
Average Home Insurance Cost in Texas
Updated: December 31, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Dec 31, 2025
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Key Takeaways
Texas home insurance costs an average of $6,854 per year, with rates ranging from $3,622 to $19,735 per year, depending on various factors.
Home insurance premiums in Texas are the fourth most expensive in the country, with rates 93% over the national average.
To find the best home insurance in Texas, determine your coverage needs, research providers and costs and gather multiple quotes.
How Much Is Home Insurance in Texas?
| Texas | $6,854 | $3,548 | 93% |
*These rates represent a home built in 2000 out of frame with $250K dwelling, $125K personal property and $200K liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Depending on your city, and risk factors, including the age of your home, weather-related factors and home valuations, influence home insurance costs. For example, the average monthly home insurance cost in El Paso is around $269, while in Dallas, it is higher at $518 per month.
| Abilene | $557 | $6,679 | -3% |
| Allen | $540 | $6,475 | -6% |
| Alto | $420 | $5,041 | -26% |
| Argyle | $607 | $7,283 | 6% |
| Arlington | $550 | $6,597 | -4% |
| Amarillo | $641 | $7,695 | 12% |
| Aubrey | $581 | $6,971 | 2% |
| Beaumont | $710 | $8,524 | 24% |
| Austin | $352 | $4,230 | -38% |
| Brownsville | $657 | $7,880 | 15% |
| Fort Worth | $544 | $6,529 | -5% |
| Corpus Christi | $1,013 | $12,159 | 77% |
| Dallas | $519 | $6,223 | -9% |
| Burleson | $548 | $6,580 | -4% |
| Carrollton | $580 | $6,955 | 1% |
| College Station | $536 | $6,430 | -6% |
| El Paso | $269 | $3,230 | -53% |
| Frisco | $572 | $6,859 | 0% |
| Friendswood | $865 | $10,377 | 51% |
| Houston | $791 | $9,495 | 39% |
| Garland | $530 | $6,357 | -7% |
| Grand Prairie | $586 | $7,029 | 3% |
| Hidalgo | $445 | $5,337 | -22% |
| Laredo | $367 | $4,404 | -36% |
| Humble | $680 | $8,157 | 19% |
| Jbsa Ft Sam Houston | $456 | $5,466 | -20% |
| Killeen | $348 | $4,176 | -39% |
| Irving | $544 | $6,532 | -5% |
| Mcallen | $436 | $5,237 | -24% |
| Lewisville | $540 | $6,481 | -5% |
| Lubbock | $530 | $6,364 | -7% |
| Midland | $497 | $5,959 | -13% |
| Mckinney | $538 | $6,453 | -6% |
| Mesquite | $532 | $6,378 | -7% |
| McDade | $545 | $6,536 | -5% |
| Plano | $520 | $6,235 | -9% |
| Pearland | $881 | $10,577 | 54% |
| Odessa | $488 | $5,853 | -15% |
| Pasadena | $885 | $10,623 | 55% |
| San Antonio | $416 | $4,995 | -27% |
| Port Aransas | $1,335 | $16,019 | 134% |
| Round Rock | $353 | $4,241 | -38% |
| San Angelo | $494 | $5,932 | -13% |
| Richardson | $539 | $6,467 | -6% |
| Sugar Land | $780 | $9,355 | 36% |
| Spring | $633 | $7,592 | 11% |
| San Benito | $638 | $7,659 | 12% |
| Webster | $995 | $11,935 | 74% |
| Tyler | $405 | $4,862 | -29% |
| Tomball | $685 | $8,216 | 20% |
| Waco | $442 | $5,302 | -23% |
| Wichita Falls | $695 | $8,339 | 22% |
*These rates represent a home built in 2000 out of frame with $250K dwelling, $125K personal property and $200K liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in Texas?
Home insurance is expensive in Texas because of the following:
Rising Claims
Texas homeowners make more claims than the average. The Insurance Information Institute reports that in 2024, the state recorded the second-highest total incurred insurance losses (claim value) in the country, at 64.4 billion dollars, which led insurers to charge more.
High Weather Risks
Due to the high risks of major weather damage around the Gulf Coast and large population centers in Texas, the likelihood of expensive claims is higher. In 2024, weather-related risks accounted for at least $20 billion in damage, mostly from severe storms and cyclones.
Rising Material and Labor Costs
Construction costs accounted for a record 64% of new home prices in 2024, up from around 61% in 2022, according to the National Association of Home Builders' (NAHB) latest survey. Since 2020, wages for construction workers have risen by 35%, raising the cost of damages. These factors contribute to higher claims costs for insurers.
State Insurance Laws
Texas operates under a file and use system, allowing insurers to notify state departments and raise insurance rates without full approval from the Texas Department of Insurance.
Home insurance is required if you’re getting a mortgage, and with most opting out of that market to keep renting due to the high expenses, insurers have less money to draw from for claims, increasing the risk of insuring homeowners.
What Affects Texas Home Insurance Costs?
- Location
- Coverage chosen
- Home build details
- Provider Chosen
- Credit
- Claims history
How Much Does Location Affect Home Insurance Costs?
Location has the greatest impact on Texas home insurance rates, with rates varying by up to 134%. Weather risks, home value and population density determine your costs.
| Lowest | El Paso | $269 | $3,230 |
| Highest | Port Aransas | $1,335 | $16,019 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices rank second in Texas home insurance pricing, and rates run $3,298 to $20,807 yearly. Higher coverage limits and lower deductibles raise premiums. Lower limits and higher deductibles cut costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | $2,000 | $275 | $3,298 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | $500 | $1,734 | $20,807 |
How Much Do Home Details Affect Home Insurance Costs?
Home details (age, construction materials and roof type) rank third in Texas pricing, running $221 to $591 monthly. These factors affect replacement costs and damage risk, creating major rate differences.
| Lowest | Newer | 800 | Low-Risk | $221 | $2,647 |
| Highest | Middle Age | 2500 | High-Risk | $591 | $7,095 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your insurer choice ranks fourth in Texas pricing; rates range from 41% below to 47% above the state average.
| Lowest | Mercury Insurance | $252 | $3,025 |
| Highest | Progressive | $881 | $10,571 |
How Much Does Credit Affect Home Insurance Costs?
Higher credit scores signal reliability and reduce your home insurance costs. Premiums vary by up to 97%, with annual rates running $5,056 to $11,527.
| Lowest | Excellent | $421 | $5,056 |
| Highest | Poor | $961 | $11,527 |
How Much Does Claims History Affect Home Insurance Costs?
Claims history affects Texas homeowners insurance less than other factors. More claims mean higher perceived risk and higher premiums.
| Lowest | Claim free for 5+ years | $571 | $6,854 |
| Highest | 2 claims in past 5 year | $801 | $9,617 |
Tips to Save on Texas Home Insurance
Especially with high costs in Texas, you need to find ways to save on premiums to buy a home or cut expenses for your current home. You can use our tips to find the best and cheapest home insurance in Texas.
- 1Find How Much Coverage You Need Beforehand
Determining how much home insurance you need helps you avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect extra belongings.
- 2Research Costs and Discounts Beforehand
Understand average costs for you and your home specifically. Also, ask agents about home insurance discounts.
- 3Compare Multiple Providers Through Different Avenues
Compare multiple insurers using multiple different avenues, such as online comparison sites, brokers, provider websites and provider agents.
- 4Consider Bundling Policies
You can save when bundling policies. For example, if you bundle home and auto insurance in Texas, you can save up to 29% on home insurance and $1,188 per year for both policies.
- 5Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums. For example, moving from a fair to a good credit score can save you 28% on average.
- 6See if You Are Eligible for State Programs
If you are denied by traditional insurers, Texas offers the TFPA policy to insure you. While TFPA plans don’t offer the same amount of coverage you get with traditional policies, it does satisfy mortgage requirements.
Texas Home Insurance Calculator: Bottom Line
Home insurance costs depend on several factors, with location and coverage level being the most important. To secure the best rates, research your needs and average prices, then use our estimate tool to find the best deal.
Homeowners Calculator Insurance Texas: FAQ
MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Texas?
Texas' average monthly home insurance cost is $571 for a dwelling coverage of $250K.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a role.
How We Determined Our Texas Home Insurance Estimates
Texas home insurance pricing confuses homeowners because rates fluctuate based on location, coverage and home details. We calculated average costs using consistent inputs to show what you should expect to pay.
Sample Home Profile
We used this baseline Texas home for all calculations: $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage, built in 2000, frame construction, composition roof, $1,000 deductible, no claims in five or more years and fire protection level of three.
Rate Variations
Your actual rates will differ based on coverage level, provider choice, home age, home features, credit and claims history. All other rate comparisons in this article assume a home built in 2000.
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.
sources
- Federal Emergency Management Agency (FEMA). "National Risk Index." Accessed May 28, 2025.
- Federal Reserve Bank of St. Louis. "Construction Wages and Salaries in Texas." Accessed May 28, 2025.
- Houston Chronicle. "Inside the Costly New Reality of Insuring a Home in Texas." Accessed May 28, 2025.
- Insurance Information Institute. "Triple-I Insurance Facts." Accessed May 28, 2025.
- NAHB. " Cost to Construct a Home Rose Significantly Over Last Two Years." Accessed May 28, 2025.
- Texas Comptroller’s Office. "Home Insurance Premiums Complicate Housing Affordability." Accessed May 28, 2025.
- The Texas Tribune. "As More Texans Struggle With Housing Costs, Homeownership Becoming Less Attainable." Accessed May 28, 2025.