How much is homeowners insurance in Texas?
The average cost of homeowners insurance in Texas is $243 per month or $2,919 per year for $300,000 in dwelling coverage — that’s the coverage that protects your actual house. Home insurance in Texas is around 66% more expensive than the national average of $1,754 per year.
In a state like Texas, premiums are higher in large part due to the outsized risk of natural disasters in certain areas. As hurricanes, tornadoes, and hail continue to worsen and cause extensive damage to homes all over the state, insurance companies account for this by charging higher rates.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Texas home insurance rates by city
El Paso, Brownsville, and Austin have the cheapest homeowners insurance rates in Texas (among the Lone Star State’s 20 largest cities). In El Paso the average cost of homeowners insurance is 42% cheaper than the statewide average.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Houston | $245 | $2,936 | 1% |
San Antonio | $197 | $2,365 | -19% |
Dallas | $274 | $3,284 | 13% |
Austin | $180 | $2,158 | -26% |
Fort Worth | $272 | $3,258 | 12% |
El Paso | $140 | $1,679 | -42% |
Arlington | $282 | $3,378 | 16% |
Corpus Christi | $206 | $2,466 | -16% |
Plano | $269 | $3,228 | 11% |
Lubbock | $271 | $3,257 | 12% |
Laredo | $190 | $2,277 | -22% |
Irving | $276 | $3,307 | 13% |
Garland | $268 | $3,210 | 10% |
Frisco | $236 | $2,833 | -3% |
McKinney | $268 | $3,217 | 10% |
Grand Prairie | $280 | $3,360 | 15% |
Amarillo | $304 | $3,649 | 25% |
Brownsville | $176 | $2,109 | -28% |
Killeen | $181 | $2,170 | -26% |
Denton | $269 | $3,223 | 10% |
Texas home insurance rates by coverage amount
One of the most important (and expensive) parts of your home insurance policy is your dwelling coverage, which protects the physical structure of your home from covered hazards like hurricanes, wind (including tornadoes), and hail.
The amount of dwelling coverage you need depends on the replacement cost of your home — not its market value. If you paid $600,000 for a home that would cost $400,000 to rebuild, you’d only need $400,000 in dwelling coverage, not $600,000.
What you pay for homeowners insurance depends in part on the amount of dwelling coverage you buy — more coverage means higher premiums. As the following table shows, the $893 per year difference between the cost of a policy with $400,000 and $500,000 in dwelling coverage is the largest rate jump in Texas.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $1,318 |
$200,000 | $2,086 |
$300,000 | $2,919 |
$400,000 | $3,749 |
$500,000 | $4,642 |
