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The average cost of home insurance in Texas is $4,400 per year, or about $367 per month, according to a NerdWallet rate analysis. In comparison, the national average rate is $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Texas in the following categories:
Best for affordability: State Farm.
Best for having few consumer complaints: Chubb.
Best for consumer experience: Nationwide.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.
We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
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Best affordable homeowners insurance in Texas: State Farm
4.5 NerdWallet rating Well-established insurer with a lengthy list of coverage options. Coverage options More than average Discounts Average set of discounts NAIC complaints Fewer than expected 4.5 NerdWallet rating Well-established insurer with a lengthy list of coverage options. Discounts Average set of discounts NAIC complaints Fewer than expected
State Farm
State Farm
State Farm’s average homeowners insurance rate in Texas is $4,020 per year, less than the state average of $4,400.
The company’s policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like utility lines, damage from backed-up drains and the breakdown of major appliances.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
Learn more with our State Farm home insurance review.
Editor’s note: USAA offers an even cheaper rate in Texas, but its policies are available only to active military, veterans and their families.
Read our USAA home insurance review for more details.
Best in Texas for having few consumer complaints: Chubb
5.0 NerdWallet rating Perks and high coverage limits for affluent homeowners. Coverage options More than average Discounts Great set of discounts NAIC complaints Far fewer than expected 5.0 NerdWallet rating Perks and high coverage limits for affluent homeowners. Coverage options More than average Discounts Great set of discounts NAIC complaints Far fewer than expected
Chubb
Chubb
Among the insurers we evaluated in Texas, Chubb drew the fewest complaints to state regulators for a company of its size, according to the National Association of Insurance Commissioners.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
Texas homeowners can also sign up for complimentary Wildfire Defense Services. These services include an assessment of your home’s risk and deployment of firefighters to your home if a wildfire is approaching.
Learn more with our Chubb homeowners insurance review.
Best homeowners insurance in Texas for consumer experience: Nationwide
4.5 NerdWallet rating For shoppers seeking a broad range of coverage options, Nationwide may fit the bill. Coverage options About average Discounts Great set of discounts NAIC complaints Close to expected 4.5 NerdWallet rating For shoppers seeking a broad range of coverage options, Nationwide may fit the bill. Coverage options About average Discounts Great set of discounts NAIC complaints Close to expected
Nationwide
Nationwide
The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes. The company also has a comprehensive and highly rated mobile app.
Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you can add coverage for things like water backup, identity theft and stronger materials to replace your roof.
Learn more with our Nationwide homeowners insurance review.
Full list of the best home insurance companies in Texas
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Texas. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Amica | 5.0 NerdWallet rating | Not available |
Chubb | 5.0 NerdWallet rating | Not available |
Cincinnati Insurance | 4.5 NerdWallet rating | Not available |
Nationwide | 4.5 NerdWallet rating | $6,780 |
State Farm | 4.5 NerdWallet rating | $4,020 |
Travelers | 4.5 NerdWallet rating | $5,915 |
USAA* | 5.0 NerdWallet rating | $3,450 |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
How much does homeowners insurance cost in Texas?
The average annual cost of home insurance in Texas is $4,400. That’s 130% more than the national average of $1,915.
In most U.S. states, including Texas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Texas, those with poor credit pay an average of $7,705 per year for homeowners insurance, according to NerdWallet’s rate analysis. That's 75% more than those with good credit.
» MORE: How your credit score affects homeowners insurance
Average cost of homeowners insurance in Texas by city
How much you pay for home insurance depends on where in the state you live. For example, the average cost of homeowners insurance in Houston is $6,610 per year, while homeowners in Dallas pay $5,045 per year, on average. Meanwhile, home insurance is much cheaper in El Paso at just $2,405 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Amarillo | $5,345 | $445 |
Arlington | $5,335 | $445 |
Austin | $2,840 | $237 |
Brownsville | $4,765 | $397 |
Conroe | $4,085 | $340 |
Corpus Christi | $5,840 | $487 |
Cypress | $6,095 | $508 |
Dallas | $5,045 | $420 |
El Paso | $2,405 | $200 |
Fort Worth | $5,335 | $445 |
Frisco | $4,820 | $402 |
Garland | $5,175 | $431 |
Grand Prairie | $5,090 | $424 |
Houston | $6,610 | $551 |
Irving | $5,165 | $430 |
Katy | $6,010 | $501 |
Laredo | $3,250 | $271 |
Lubbock | $5,260 | $438 |
McKinney | $4,875 | $406 |
Mission | $5,185 | $432 |
Plano | $4,760 | $397 |
Richmond | $6,550 | $546 |
Round Rock | $2,965 | $247 |
San Antonio | $3,590 | $299 |
Spring | $5,045 | $420 |
» MORE: What’s the average cost of homeowners insurance?
The cheapest home insurance in Texas
Below are the insurers we found with average annual rates below the Texas average of $4,400.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Texas Farm Bureau | 3.5 NerdWallet rating | $2,835 |
Farmers | 4.0 NerdWallet rating | $3,725 |
State Farm | 4.5 NerdWallet rating | $4,020 |
USAA* | 5.0 NerdWallet rating | $3,450 |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
» MORE: The cheapest homeowners insurance
What to know about Texas homeowners insurance
Homeowners in Texas should be aware of several different types of severe weather that could put their homes at risk.
Hurricanes
Texas' long coastline makes it vulnerable to hurricanes. Homeowners insurance typically covers damage caused by wind, but in Texas you may pay a separate insurance deductible for any wind or hail damage.
Depending on where you live, your insurer may decline to provide windstorm coverage as part of your homeowners insurance policy. Should that happen, you can purchase separate windstorm insurance. If a private insurer rejects you, you can usually get coverage from the Texas Windstorm Insurance Association as long as you live in a designated coastal county.
Hurricanes can also cause flood damage, which a standard homeowners insurance policy won’t cover. To check your flood risk, put your address into the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation.
Learn more about flood insurance and how to buy it.
» MORE: Complete guide to hurricane insurance
Hail
Hailstorms can wreak havoc on roofs, but fortunately for homeowners, a typical home insurance policy will pay for hail damage.
As noted above, some Texas policyholders may not be able to get wind and hail coverage with their homeowners insurance, depending on where they live. In these cases, the Texas Windstorm Insurance Association may be able to help.
When the time comes to replace your roof, you may want to consider choosing impact-resistant materials that are less likely to be damaged by hail. In addition to preventing damage, this could also earn you a discount from your insurer.
Tornadoes
A standard homeowners insurance policy covers damage from a tornado, along with any additional living expenses you might have if you're temporarily displaced from home because of tornado damage.
But as with hurricanes and hail, you may need extra insurance to cover tornado damage if your homeowners insurance doesn’t cover windstorms in your area.
Wildfires
A standard home insurance policy will cover wildfire damage and pay for you to live elsewhere if you’re unable to stay in your own house during repairs.
» MORE: Insurance for wildfires: What to know
Texas Department of Insurance
Got a complaint about your insurer or a question about your policy? Turn to the Texas Department of Insurance, which oversees the state’s insurance industry. You can call the department at 800-252-3439.
Your insurance company is required to give you a copy of the TDI’s Consumer Bill of Rights when it issues you a homeowners policy. Among other things, this document explains how the claims process works and under which circ*mstances an insurer can cancel your policy.
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Frequently asked questions
Why is homeowners insurance so expensive in Texas?
Texas is at risk for a variety of natural disasters, including hurricanes, wildfires, tornadoes and hail — all of which could damage your home. Insurance companies generally charge higher prices for homes they consider to be at higher risk of damage. To save on your premium, ask your insurer if you qualify for any home insurance discounts.
Do you have to have homeowners insurance in Texas?
If you have a mortgage on your home, your lender will probably require you to buy homeowners insurance. If you don’t have a mortgage, whether you get homeowners insurance is likely up to you. However, unless you could afford to rebuild your home after a disaster, buying a homeowners policy is generally a wise decision. Read more about whether home insurance is required.
How much is home insurance per month in Texas?
The average cost of home insurance in Texas is about $323 per month, according to a NerdWallet rate analysis. Your own rate may vary depending on where you live, the characteristics of your home and the amount of coverage you need.
