The Best Homeowners Insurance in Texas

We analyzed the different rates and top companies for home insurance across the Lone Star State.

Doug SiborApr 12, 2021
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The saying "everything's bigger in Texas" doesn't just apply to a plot of land or the size of a rib-eye steak. It turns out, it's true for homeowners insurance, too.

With an average annual rate of $3,380, Texas home insurance is the third-most expensive in the United States, trailing only northern neighbors Oklahoma and Kansas.

The weather in Texas has a lot to do with the high home insurance premiums. The Lone Star State is prone to severe weather events, ranging from damaging hailstorms in the west to hurricanes and windstorms along the coast. Texas has recently experienced major storm damage as a result of winter weather, as well.

NerdWallet analyzed rates from 19 different insurers in the state to get an idea of how much you'll pay for home insurance in Texas.

The best home insurance in Texas

The following companies offer home insurance in Texas and are featured in NerdWallet’s best home insurance companies of 2021:

Company

NerdWallet rating

Average annual rate

5.0

NerdWallet rating 

$4,143

5.0

NerdWallet rating 

$2,350

5.0

NerdWallet rating 

$3,415

5.0

NerdWallet rating 

$3,760

4.5

NerdWallet rating 

$2,691

4.5

NerdWallet rating 

$3,129

4.5

NerdWallet rating 

$5,218

5.0

NerdWallet rating 

$3,020

*USAA is available only to military, veterans and their families.

Average homeowners insurance cost in Texas

The average homeowners insurance cost in Texas is $3,380 per year, according to a NerdWallet analysis. However, Texas' large size means that your rate can vary depending on where you live in the state. In fact, according to NerdWallet's analysis, your location can affect your home insurance premium by as much as $4,000 per year.

For the five largest metropolitan areas in Texas (according to the latest population data from the U.S. Census Bureau), these are the average home insurance rates:

Metro area

Yearly average

Monthly average

Houston

$3,794

$316

Dallas and Plano

$3,664

$305

San Antonio

$2,303

$192

Fort Worth and Arlington

$3,923

$327

Austin

$2,257

$188

To get a better sense of your rate, use this calculator to see the average premium for your ZIP code in Texas.

Cheap home insurance in Texas

With well over a dozen insurers in Texas, you have options if you want to spend less than average on home insurance. The cheapest insurance companies in Texas vary depending on location.

Here are the cheapest insurance companies — along with annual premiums — in the major metropolitan areas of Texas:

Houston

  • Houston General: $1,744.

  • Allstate: $1,764.

  • Texas Farm Bureau: $1,791.

Dallas and Plano

  • Houston General: $1,893.

  • Texas Farm Bureau: $1,901.

  • Chubb: $1,944.

San Antonio

  • Texas Farm Bureau: $1,366.

  • Houston General: $1,450.

  • Chubb: $1,523.

Fort Worth and Arlington

  • Texas Farm Bureau: $2,270.

  • Chubb: $2,422.

  • Houston General: $2,498.

Austin

  • Houston General: $1,148.

  • Texas Farm Bureau: $1,245.

  • Chubb: $1,384.

Methodology

NerdWallet averaged rates for 40-year-old men and women from a variety of insurance companies in every ZIP code across the state. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1983. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.