The top 3 best cheap renters insurance companies in Texas are Nationwide, Amica and State Farm. Allstate ranks first for affordability, Amica has the best customer reputation, and Nationwide is tied with Amica for the most extensive coverage selection.
Cheap Renters Insurance Texas
Updated: November 13, 2025
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Key Takeaways
The best overall renters insurance company in Texas is Nationwide, and the cheapest renters insurance in the state is offered by Allstate who has rates starting at $65 per year.
For most, renters insurance in Texas costs around $23 per month but costs can range anywhere from $9 a month to $128 on average.
To get the best and most affordable renters insurance in Texas, decide your coverage needs beforehand, research costs, and compare plenty of quotes.
Texas Renters Insurance Quote Estimates
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Rates updated:
Nov 14, 2025
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| Nationwide | 93 | $25 | $305 |
| Amica | 93 | $29 | $349 |
| State Farm | 92 | $24 | $294 |
| Allstate | 90 | $20 | $243 |
| Chubb | 81 | $46 | $558 |
*This list reflects a renter with good credit and no claims history with $50K Property Damage and $100K Liability coverage with a $1,000 deductible and guaranteed replacement.
Before signing a lease in Tennessee, use our renters insurance calculator to verify your coverage protects against the state's frequent thunderstorms, tornadoes and occasional flooding.
Best Cheap Renters Insurance Companies in Texas
Compare Personalized Best Cheap Renters Insurance in Texas
While our list above covers most renters, it may not showcase the ideal options for you. So below, we've created a filterable table that can be matched to your profile so you can find the best option for you in Texas.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
Good
| Nationwide | 93 | $17 | $202 |
| Amica | 93 | $19 | $231 |
| State Farm | 92 | $16 | $195 |
| Allstate | 90 | $14 | $163 |
| Chubb | 82 | $28 | $340 |
Best Texas Renters Insurance Reviews
Below are our top picks for Texas renters insurance based on affordability, customer service and coverage options.
Allstate: Most Affordable Plans
pros
Most affordable rates
Largest discount offering selection
High financial stability ratings
cons
Below-average customer satisfaction
Limited number of add-on coverage options
COMPANY HIGHLIGHTS
No matter what your coverage needs or personal profile is, Allstate offers the lowest overall renters insurance rates in Texas, starting as low as $11 monthly. They also offer unique discounts if you enroll in autopay and are a retiree over the age of 55. However, the company has lower than average J.D. Power ratings for both overall customer satisfaction and claims.
Amica: Best For Customer Service
pros
Extremely high customer satisfaction ratings
Unique loyalty discount
Large add-on coverage selection
cons
More expensive rates than average for most profiles
COMPANY HIGHLIGHTS
While Amica is an expensive insurer for renters insurance in Texas, they have the best overall customer satisfaction among our picks. The company ranked 1st overall for claims satisfaction and 2nd for overall customer satisfaction in recent J.D. Power studies. They also offer a great add-on coverage selection with plans for earthquake, flood, and computer damage protection.
Nationwide: Best For Coverage Options
pros
Affordable rates for higher coverage
Most extensive add-on coverage selection
High claims satisfaction ratings
cons
Lower than average overall customer satisfaction ratings
Less affordable for lower property damage coverage levels
COMPANY HIGHLIGHTS
Nationwide earned our top spot for the best overall renters insurance company in Texas, sporting balanced rankings in affordability, coverage, and customer service. The company ranked 3rd overall for overall affordability in our study, 12th out of 15 for customer satisfaction along with 6th out of 18 for claims satisfaction according to J.D. Power. They also offer many unique coverage options such as credit card coverage and add-ons to replace personal property you select up to its actual cash value.
Average Cost of Renters Insurance in Texas
The average cost of renters insurance in Texas is $276 annually, $34 above the $242 national average. These rates reflect $50,000 personal property coverage, $100,000 liability limits and a $1,000 deductible. Your rate depends on your profile. Filter major cost factors in the table to see average Texas rates for your situation.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
Covered
| $50K Personal Property / $100K Liability | $23 | $276 |
Average Texas Renters Insurance Cost by City
Renters insurance costs vary widely by city. For example, the average annual premium in Austin is $198, while in Dallas, it's $241 for a policy with $50K in personal property coverage and $100K in liability coverage. Check the table below for the average cost in your city.
| Abilene | $208 |
| Allen | $204 |
| Amarillo | $213 |
| Arlington | $242 |
| Austin | $198 |
| Beaumont | $270 |
| Brownsville | $261 |
| Carrollton | $226 |
| College Station | $198 |
| Corpus Christi | $292 |
| Dallas | $241 |
| Denton | $203 |
| El Paso | $227 |
| Fort Worth | $243 |
| Frisco | $205 |
| Garland | $251 |
| Grand Prairie | $240 |
| Houston | $307 |
| Irving | $244 |
| Killeen | $205 |
| Laredo | $205 |
| League City | $306 |
| Lewisville | $204 |
| Lubbock | $255 |
| McAllen | $280 |
| McKinney | $203 |
| Mesquite | $245 |
| Midland | $229 |
| Odessa | $229 |
| Pasadena | $314 |
| Pearland | $290 |
| Plano | $201 |
| Richardson | $242 |
| Round Rock | $189 |
| San Angelo | $229 |
| San Antonio | $249 |
| Sugar Land | $280 |
| The Woodlands | $289 |
| Tyler | $240 |
| Waco | $213 |
| Wichita Falls | $238 |
*This table reflects a renter with good credit and no claims history with $50K Property Damage and $100K Liability coverage with a $1,000 deductible and guaranteed replacement.
Texas Renters Insurance Buyer Guide
Finding the best renters insurance in Texas can be difficult, and it can be hard to decide with all of the options out there. So, to assist you, we've created a comprehensive guide to help you find the ideal coverage choice for you.
How To Find The Best Cheap Renters Insurance in Texas
Finding the best and cheapest option in Texas for you can be difficult and there are many options to choose from. So to help you through this process, we've created a step by step guide to getting the most ideal option for you.
- 1Decide Coverage Level Beforehand
Before getting renters insurance, you need to understand exactly how much coverage you need so you can compare rates with confidence. To do this, you have to know what in your rental property you'd want to be insured for and its value. You also want to consider weather damage risks, crime, and animal-related factors if you own a pet prone to biting others.
- 2Research Costs and Discounts
Once armed with the coverage level you need, you can begin researching average costs for your profile. This will give you something to compare against when getting quotes to see if you're getting a good deal. Also, researching discounts you may qualify for can help you save further when comparing providers.
- 3Compare Providers
Before getting quotes from providers, we recommend doing research into their reputations, average costs and coverage options to find who is right for you. This will help narrow down a list of where you should look for quotes.
- 4Consider Bundling
Before comparing with other companies, consider bundling renters and auto insurance with your current auto insurance provider. Oftentimes, if you bundle, the savings on your auto insurance policy is more than enough to cover the cost of renters insurance in full.
- 5Compare Multiple Quotes Through Different Avenues
We recommend comparing at least 5 provider quotes that are apples to apples in terms of coverage to ensure you're getting the best deal. It is also a good idea to compare through multiple avenues on online comparison sites, provider websites, with brokers, and even on the phone with agents since quotes may vary.
- 6Repeat The Comparison Process Annually
The insurance industry changes fast and with it the price of coverage. So the current provider you decide on may not be the best in the future,. So to avoid paying more over time, be sure to compare every year to see if what you are paying is still the most affordable rate out there.
How Much Renters Insurance Do I Need In Texas?
Renters insurance is not required by law in Texas, but most landlords will likely require at least $100K in liability coverage. However, this can differ depending on your rental history, credit, and what pets you own, if any. Other than this, there are a variety of considerations, including how much of your property you want covered, weather-related risks, crime in your area, and if you own a pet.
To help you begin deciding how much renters insurance you need, we've provided a calculator that determines your ideal personal property limits.
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.
Texas Renter Risk Considerations
Texas renters face specific risks worth addressing with additional coverage:
- Weather Risk: Flooding ranks as Texas' most common natural disaster, and hurricanes, tornadoes and wildfires threaten different parts of the state. Standard policies exclude these perils in high-risk zones. You'll need separate coverage.
- Crime Risk: Texas ranks 13th for property crime and 4th for identity theft and fraud nationwide. Add-ons can strengthen your property damage protection.
- Pet Ownership: Pet liability coverage protects you when your pet injures someone. Check if providers include this in standard policies or require an add-on.
- Your Types of Property: Tools, valuables, electronics or pools on rental property exceed standard policy limits. Find companies with specific add-ons for these items.
How Does Renters Insurance Coverage Work?
Renters insurance covers property damage, liability to others and temporary housing costs when you can't stay in your rental. Add-on coverages expand your protection. Common coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses damaged or stolen belongings up to your limit. Actual cash value pays depreciated worth. Replacement cost buys new equivalent items. | |
Standard | Pays medical bills and legal fees when guests get injured in your rental. Landlords often require minimum liability limits. | |
Additional Living Expenses | Standard | Reimburses hotel stays, restaurant meals and extra transportation when disaster makes your rental unlivable. Each insurer sets different limits. |
Natural Disaster Insurance | Add-on | Protects against earthquake or flood damage through separate policies. Only select insurers offer these add-ons. |
Parts/Equipment Coverage | Add-on | Reimburses tools, appliances and utility equipment you own in your rental. |
Scheduled Property | Add-on | Protects high-value items at agreed amounts above standard limits. |
Identity Theft | Add-on | Reimburses fraud losses and attorney fees. Some carriers include credit monitoring. |
Pet Liability | Add-on | Pays medical bills and legal costs when your pet injures someone. Some standard policies already include this. |
Modifications Coverage | Add-on | Reimburses permanent improvements you installed in your rental. |
Food Loss Coverage | Add-on | Replaces spoiled food after covered events like power outages. |
Best Renters Insurance Texas: The Bottom Line
In our review, we found that the best and cheapest overall renters insurance companies in Texas are Nationwide, Amica, State Farm, Allstate, and Chubb. While we recommend these options, you should research for yourself and compare multiple companies and quotes to get the best deal.
Renters Insurance Texas: FAQ
Below, you can review our experts' answers to common frequently asked questions:
What is the cheapest renters insurance company in Texas?
Allstate offers the cheapest renters insurance in Texas, with an average annual premium of $243 or $20 per month.
What is the best renters insurance company in Texas?
Nationwide is the best renters insurance company in Texas with the highest MoneyGeek score of 93 out of 100 due to its great balance of affordability, customer service and coverage options.
How much does renters insurance cost in Texas?
The average cost of renters insurance in Texas is $276 per year or $23 per month which is 14% higher than the national average. Depending on the provider and your profile, annual premiums range from $104 to $1,537.
Is renters insurance required in Texas?
Renters insurance isn't legally mandated in Texas, but your landlord may require it. Evaluating your needs and circumstances can help determine whether buying a policy is right for you. Some reasons to get renters insurance include financial protection against common perils and liability costs of third-party injuries.
How We Found The Best Cheap Renters Insurance Companies
To determine who has the cheapest renters insurance in Texas, we used the following base profile:
- $50K personal property coverage
- $100K liability coverage
- $1000 deductible
- Property replacement coverage included
- Good credit score
This was used to determine our affordability score for the state (60% of score). The other parts of our score used the size company add-on coverage selections (10% of score), customer satisfaction score from industry research (25%), and financial strength ratings (5% of score).
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.