How to Compare Home Insurance Quotes
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Best Homeowners Insurance in Texas

Updated on:
Content was accurate at the time of publication.

Best overall home insurance company in Texas: Chubb

4 star

A++

Below average

$3,495/yr

Chubb offers premium coverage with its Masterpiece policy and affordable rates for its standard policies, at an average rate of $3,495 a year.

Pros

+

Chubb’s Masterpiece policy provides extended replacement cost coverage after a covered loss, which pays to repair or rebuild your home to its original condition.
Provides replacement cost coverage for your belongings and will replace appliances based on the same or newest model available.
Earned an A++ rating from A.M. Best, which is the highest rating a company can receive. A.M. Best ratings can tell you the financial stability of an insurance company.

Cons

+

Received a below-average customer satisfaction score from J.D. Power.

Texas Farm Bureau, Chubb and USAA are some of the best home insurance companies in Texas due to their rates, coverage options and customer service. Texas Farm Bureau is the cheapest home insurance company in Texas with an average rate of $3,474 a year.

Find the Cheapest Home Insurance Quotes in Texas

Our analysis of the home insurance market in Texas shows that Texas Farm Bureau is the state’s cheapest company, with an average rate of $3,474 a year. Chubb has the second-cheapest average rate in our study at $3,495 a year.

CompanyAverage annual premium
Texas Farm Bureau$3,474
Chubb$3,495
USAA$3,850
Farmers Insurance$4,856
State Farm$5,674
Allstate$5,858
Nationwide$6,800
Travelers$7,432

Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary.

Find the Cheapest Home Insurance Quotes in Texas

The best insurance companies offer more than cheap rates. We reviewed Texas home insurance companies based on their coverage options, customer satisfaction scores and more.

CompanyAnnual rateJ.D. Power customer satisfactionLendingTree score
Best overall: Chubb$3,495801 (Below average)4 stars
Best local home insurance: Texas Farm Bureau$3,474-3.5 stars
Best for military and customer service: USAA$3,850881 (Excellent)4 stars
Best for customer service: State Farm$5,674829 (Above average)4 stars
Farmers Insurance$4,856800 (Below average)3.5 stars
Allstate$5,858809 (Average)4 stars
Nationwide$6,800812 (Average)3.5 stars
Travelers$7,432790 (Poor)3.5 stars

Best Texas-based home insurance: Texas Farm Bureau

texas farm bureau

Texas Farm Bureau is the cheapest home insurance company in our study, charging an average rate of $3,474 a year. Texas Farm Bureau also is a great choice if you’re looking for a local insurer.

The company’s Texas AgAdvantage policy offers unique coverages, especially for farmers and ranchers. It offers combined coverage so that your house, barn and farm machinery are protected under one policy. New farm equipment and new structures are covered for up to 30 days, too. It also provides liability coverage for up to two employees if they are injured while working on your farm or ranch.

Best for customer service in Texas: USAA and State Farm

usaa logo  state farm logo

USAA and State Farm have some of the best customer satisfaction scores according to J.D. Power. J.D. Power uses responses from over 11,000 homeowners to rate insurance providers. Great customer satisfaction can be valuable when you need to file a claim.

USAA earned the best overall customer satisfaction score in J.D. Power’s 2023 Home Insurance Study. It received a score of 881 out of 1,000 points. However, USAA only sells home insurance to military personnel and veterans along with their families. State Farm also received an above-average score of 829 out of 1,000 points.

The average cost of home insurance in Texas is $5,180 a year for a home with a dwelling coverage of $400,000. Dwelling coverage is the cost to rebuild the structure of your home. Your home insurance rates will vary greatly based on how much dwelling coverage you need.

Dwelling coverage amountAverage annual premium
$350,000$4,647
$400,000$5,180
$450,000$5,690

Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary.

Among the most populated cities in Texas, San Antonio has one of the cheapest rates at $3,422 a year. Houston has an average rate of $5,624 a year.

CityAverage annual premium
Abbott$5,313
Abernathy$5,768
Abilene$6,021
Abram$4,399
Ace$4,189
Ackerly$5,040
Addison$5,745
Adkins$3,599
Adrian$5,704
Afton$5,422
Agua Dulce$4,347
Aiken$8,038
Alamo$4,730
Alamo Heights$3,576
Alanreed$6,005
Alba$5,194
Albany$7,067
Albert$3,256
Aldine$5,239
Aledo$6,274
Alice$4,645
Alief$6,814
Allen$5,558
Alleyton$4,657
Allison$6,231
Alma$5,300
Alpine$3,848
Altair$4,262
Alto$4,393
Alton$4,474
Alvarado$5,713
Alvin$6,619
Alvord$6,726
Amargosa$4,867
Amarillo$6,652
Amherst$5,618
Anahuac$7,290
Anderson$4,478
Andrews$5,254
Angleton$6,709
Anna$5,541
Annetta$6,271
Annetta North$6,272
Annona$4,626
Anson$6,831
Anthony$2,558
Anton$5,470
Apple Springs$4,249
Aquilla$5,321
Aransas Pass$7,024
Archer City$7,619
Argyle$6,333
Arlington$6,134
Armstrong$4,674
Arp$4,399
Art$3,830
Artesia Wells$3,461
Arthur City$5,526
Asherton$3,702
Aspermont$6,538
Atascocita$4,970
Atascosa$3,438
Athens$4,765
Atlanta$5,114
Aubrey$6,265
Austin$3,444
Austwell$8,330
Avalon$7,022
Avery$5,291
Avinger$5,113
Avoca$6,238
Axtell$4,710
Azle$6,278
Bacliff$10,269
Bagwell$5,399
Bailey$4,990
Baird$6,357
Balch Springs$5,579
Balcones Heights$3,400
Ballinger$5,780
Balmorhea$4,126
Bandera$3,689
Bangs$5,415
Banquete$6,110
Bardwell$4,654
Barker$6,681
Barksdale$3,751
Barnhart$4,740
Barrett$6,079
Barry$4,735
Barstow$4,079
Bartlett$3,893
Barton Creek$3,401
Bartonville$6,333
Bastrop$3,666
Batesville$3,743
Batson$5,528
Bay City$6,475
Bayou Vista$9,016
Bayside$6,781
Baytown$6,654
Beasley$7,441
Beaumont$5,853
Bebe$3,912
Beckville$4,319
Bedford$6,109
Bedias$4,506
Bee Cave$3,462
Bee House$3,625
Beeville$5,260
Bellaire$5,432
Bellevue$7,371
Bellmead$4,457
Bells$6,212
Bellville$4,750
Belmont$6,759
Belton$3,851
Ben Arnold$3,806
Ben Bolt$7,112
Ben Franklin$4,775
Ben Wheeler$5,067
Benavides$7,022
Benbrook$6,084
Bend$3,931
Benjamin$7,663
Berclair$5,296
Bergheim$3,258
Bertram$4,021
Beverly Hills$4,207
Bevil Oaks$5,715
Big Bend National Park$3,679
Big Lake$5,111
Big Sandy$5,072
Big Spring$5,520
Big Wells$3,496
Bigfoot$3,504
Biggs Field$2,664
Birome$4,740
Bishop$6,722
Bivins$5,122
Blackwell$6,202
Blanco$3,709
Blanket$5,552
Bledsoe$5,165
Bleiblerville$4,632
Blessing$6,437
Bloomburg$5,122
Blooming Grove$4,792
Bloomington$6,547
Blossom$5,451
Blue Mound$5,968
Blue Ridge$5,636
Bluegrove$8,850
Bluff Dale$5,956
Bluffton$3,612
Blum$5,479
Boerne$3,331
Bogata$5,314
Boling$7,106
Bolivar Peninsula$11,400
Bon Wier$4,758
Bonham$5,536
Booker$7,189
Borger$6,843
Bovina$5,825
Bowie$7,242
Boyd$6,781
Boys Ranch$5,882
Brackettville$3,832
Brady$5,372
Brandon$4,738
Brashear$5,227
Brazoria$6,625
Breckenridge$6,549
Bremond$4,223
Brenham$4,117
Briar$6,531
Briarcliff$3,545
Bridge City$8,267
Bridgeport$6,949
Briggs$3,895
Briscoe$6,230
Broaddus$4,243
Bronson$4,316
Bronte$5,738
Brookeland$4,166
Brookesmith$4,724
Brookshire$5,647
Brookside Village$6,219
Brookston$5,427
Brownfield$5,407
Brownsboro$4,699
Brownsville$4,896
Brownwood$5,525
Bruceville$4,582
Bruni$3,479
Brushy Creek$3,431
Bryan$3,918
Bryson$6,009
Buchanan Dam$4,076
Buchanan Lake Village$4,007
Buckholts$4,037
Buda$3,517
Buffalo$4,474
Buffalo Gap$5,996
Bullard$4,374
Bulverde$3,536
Buna$5,014
Bunker Hill Village$5,509
Burkburnett$7,288
Burkett$4,777
Burkeville$4,648
Burleson$5,855
Burlington$3,701
Burnet$3,966
Burton$4,457
Bushland$6,004
Byers$6,719
Bynum$5,350
Cactus$6,438
Caddo$5,657
Caddo Mills$5,790
Caldwell$4,186
Call$5,056
Calliham$3,916
Calvert$4,086
Camden$3,904
Cameron$4,100
Cameron Park$4,661
Camp Swift$3,681
Camp Wood$3,811
Campbell$5,571
Campbellton$3,545
Canadian$7,491
Canton$5,246
Canutillo$2,584
Canyon$6,353
Canyon Lake$3,730
Carbon$5,024
Carlsbad$5,621
Carlton$4,702
Carmine$4,053
Carrizo Springs$3,681
Carrollton$6,080
Carthage$4,203
Cason$4,460
Castell$3,802
Castle Hills$3,463
Castroville$3,877
Cat Spring$4,066
Catarina$3,365
Cayuga$6,621
Cedar Creek$3,631
Cedar Hill$5,674
Cedar Lane$5,699
Cedar Park$3,410
Cedar Point$4,663
Cee Vee$5,810
Celeste$5,602
Celina$5,934
Center$4,323
Center Point$3,945
Centerville$4,510
Central Gardens$6,200
Centralia$3,851
Chandler$4,824
Channelview$6,097
Channing$5,629
Chapman Ranch$6,023
Chappell Hill$4,520
Charlotte$3,702
Chatfield$4,288
Cherokee$3,860
Chester$4,674
Chico$6,702
Chicota$7,240
Childress$6,844
Chillicothe$7,878
Chilton$4,159
China$6,276
China Spring$4,556
Chireno$4,258
Chriesman$6,613
Christine$3,500
Christoval$5,595
Chula Vista$3,467
Cibolo$3,272
Cienegas Terrace$3,743
Cinco Ranch$5,919
Circle D-KC Estates$3,672
Cisco$5,803
Clarendon$7,306
Clarksville$5,312
Clarksville City$4,287
Claude$7,241
Clayton$6,521
Clear Lake Shores$9,373
Cleburne$5,708
Cleveland$5,138
Clifton$5,317
Clint$2,560
Cloverleaf$6,022
Clute$6,756
Clyde$6,347
Coahoma$5,980
Cockrell Hill$5,588
Coldspring$4,984
Coleman$5,568
College Station$3,810
Collegeport$7,075
Colleyville$6,124
Collinsville$6,330
Colmesneil$4,699
Colorado City$6,291
Columbus$4,559
Comanche$5,520
Combes$6,824
Combine$5,745
Comfort$3,465
Commerce$5,518
Como$5,095
Comstock$3,785
Concan$3,560
Concepcion$3,752
Concord$4,012
Conroe$4,531
Converse$3,405
Cookville$5,055
Coolidge$4,666
Cooper$5,499
Copeville$5,047
Coppell$6,038
Copper Canyon$6,231
Copperas Cove$4,012
Corinth$5,954
Corpus Christi$6,997
Corrigan$4,361
Corsicana$4,773
Cost$3,912
Cotton Center$5,275
Cottonwood Shores$3,994
Cotulla$3,688
Coupland$3,405
Covington$5,485
Coyanosa$3,916
Crandall$5,373
Crane$5,194
Cranfills Gap$4,661
Crawford$4,615
Cresson$4,932
Crockett$4,289
Crosby$6,018
Crosbyton$6,048
Cross Mountain$3,381
Cross Plains$6,165
Cross Roads$6,271
Crowell$7,497
Crowley$5,997
Crystal Beach$8,952
Crystal City$3,574
Cuero$4,104
Cumby$5,212
Cuney$3,845
Cunningham$4,817
Cushing$4,239
Cypress$4,864
Cypress Mill$3,641
D Hanis$3,961
Daingerfield$5,027
Daisetta$6,213
Dale$3,685
Dalhart$6,138
Dallardsville$6,807
Dallas$5,729
Dalworthington Gardens$6,057
Damon$6,425
Danbury$7,001
Danciger$7,442
Danevang$6,994
Darrouzett$6,232
Dawn$5,390
Dawson$4,682
Dayton$6,041
De Berry$4,184
De Kalb$5,240
De Leon$5,513
Deanville$6,625
Decatur$6,716
DeCordova$5,872
Deer Park$6,586
Del Rio$3,684
Del Valle$3,521
Dell City$3,567
Delmita$3,992
Denison$6,215
Dennis$7,740
Denton$6,018
Denver City$5,473
Deport$5,446
Desdemona$5,037
DeSoto$5,893
Detroit$5,370
Devers$6,849
Devine$3,897
Deweyville$5,499
Diana$4,874
Diboll$4,199
Dickens$6,415
Dickinson$7,900
Dike$5,189
Dilley$3,702
Dime Box$4,079
Dimmitt$5,869
Dinero$7,596
Dobbin$3,856
Dodd City$5,537
Dodge$4,349
Dodson$6,261
Doffing$4,493
Donie$4,384
Donna$5,028
Doole$4,737
Doolittle$4,852
Doss$3,240
Double Oak$5,995
Doucette$4,281
Dougherty$5,289
Douglass$4,159
Douglassville$5,138
Driftwood$3,663
Dripping Springs$3,542
Driscoll$6,100
Dryden$3,820
Dublin$5,570
Dumas$6,490
Duncanville$5,730
Dunn$7,834
Dyess AFB$5,399
Eagle Lake$5,308
Eagle Pass$3,467
Early$5,451
Earth$5,684
East Bernard$6,444
Eastland$5,808
Easton$3,719
Ecleto$3,956
Ector$5,467
Edcouch$5,055
Eddy$4,360
Eden$5,359
Edgecliff Village$6,144
Edgewood$5,174
Edinburg$4,750
Edmonson$5,275
Edna$6,432
Edroy$4,935
Egypt$8,887
Eidson Road$3,467
El Campo$6,874
El Cenizo$3,345
El Indio$3,444
El Lago$10,162
El Paso$2,600
Eldorado$5,096
Electra$7,302
Elgin$3,575
Eliasville$5,727
Elkhart$4,474
Ellinger$3,677
Elm Creek$3,465
Elm Mott$4,761
Elmaton$5,442
Elmendorf$3,650
Elmo$5,399
Elsa$5,072
Elysian Fields$6,957
Emerald Bay$4,375
Emory$5,366
Encinal$3,727
Encino$4,738
Energy$4,737
Enloe$4,776
Ennis$5,303
Enochs$5,273
Eola$4,757
Era$6,026
Escobares$3,717
Etoile$3,767
Euless$6,155
Eustace$4,995
Evadale$5,096
Evant$3,625
Everman$5,859
Fabens$2,646
Fair Oaks Ranch$3,578
Fairfield$4,612
Fairview$5,665
Falcon Heights$3,629
Falcon Mesa$3,251
Falfurrias$4,830
Falls City$3,962
Fannett$6,272
Fannin$4,847
Farmers Branch$6,016
Farmersville$5,927
Farnsworth$6,136
Farwell$5,811
Fate$5,582
Fayetteville$4,324
Fentress$3,467
Ferris$5,514
Fieldton$4,986
Fischer$3,564
Flatonia$4,021
Flint$4,447
Flomot$5,658
Florence$3,681
Floresville$3,602
Flower Mound$5,973
Floydada$6,137
Fluvanna$5,419
Flynn$4,485
Follett$7,282
Forest Hill$5,946
Forestburg$7,018
Forney$5,614
Forreston$4,766
Forsan$4,810
Fort Bliss$2,636
Fort Clark Springs$3,832
Fort Davis$3,779
Fort Hancock$3,508
Fort Hood$3,835
Fort Mc Kavett$3,762
Fort Sam Houston$3,423
Fort Stockton$4,375
Fort Worth$6,084
Four Corners$6,647
Fowlerton$3,496
Francitas$7,035
Franklin$4,067
Frankston$4,518
Fred$4,790
Fredericksburg$3,490
Fredonia$3,782
Freeport$7,530
Freer$3,955
Fresno$7,883
Friendswood$6,778
Friona$5,821
Frisco$5,495
Fritch$6,744
Frost$4,832
Fruitvale$5,159
Fulshear$5,222
Fulton$8,283
Gail$6,134
Gainesville$6,828
Galena Park$5,916
Gallatin$3,860
Galveston$11,975
Ganado$6,557
Garciasville$3,664
Garden City$5,776
Garden Ridge$3,628
Gardendale$5,470
Garfield$3,486
Garland$5,812
Garrison$4,103
Garwood$5,066
Gary$4,216
Gatesville$4,452
Gause$3,941
George West$5,281
Georgetown$3,520
Geronimo$6,161
Gholson$4,517
Giddings$3,907
Gilchrist$8,262
Gillett$4,299
Gilmer$5,046
Girard$5,554
Girvin$3,936
Gladewater$4,473
Glen Flora$5,701
Glen Rose$5,845
Glenn Heights$5,631
Glidden$4,132
Gober$7,179
Godley$5,717
Golden$4,630
Goldsboro$5,116
Goldsmith$4,834
Goldthwaite$5,429
Goliad$5,243
Gonzales$4,206
Goodfellow AFB$4,698
Goodrich$4,233
Gordon$5,894
Gordonville$6,320
Goree$7,682
Gorman$5,822
Gouldbusk$4,778
Graford$7,011
Graham$7,055
Granbury$5,910
Grand Prairie$5,835
Grand Saline$5,114
Grandfalls$4,120
Grandview$5,846
Granger$3,563
Granite Shoals$3,947
Grape Creek$5,333
Grapeland$4,469
Grapevine$5,989
Greatwood$7,019
Green Valley Farms$4,682
Greenville$5,643
Greenwood$5,842
Gregory$6,271
Groesbeck$4,641
Groom$7,047
Groves$6,815
Groveton$4,350
Grulla$3,786
Gruver$6,885
Guerra$3,180
Gun Barrel City$4,853
Gunter$6,206
Gustine$5,339
Guthrie$6,036
Guy$6,182
Hackberry$5,789
Hale Center$5,960
Hallettsville$4,399
Hallsville$4,959
Haltom City$5,889
Hamilton$4,923
Hamlin$6,826
Hamshire$5,661
Hankamer$6,244
Happy$6,284
Hardin$6,526
Hargill$5,111
Harker Heights$3,904
Harleton$4,823
Harlingen$4,485
Harper$3,522
Harrold$6,602
Hart$5,888
Hartley$6,333
Harwood$3,692
Haskell$7,294
Haslet$6,138
Hawk Cove$5,687
Hawkins$4,976
Hawley$6,739
Hearne$4,015
Heath$5,556
Hebbronville$3,415
Hedley$7,182
Hedwig Village$5,398
Heidenheimer$6,255
Helotes$3,394
Hemphill$4,362
Hempstead$5,167
Henderson$4,374
Henrietta$7,666
Hereford$5,925
Hermleigh$6,247
Hewitt$4,681
Hext$3,816
Hickory Creek$6,053
Hico$5,553
Hidalgo$4,712
Hideaway$4,506
Higgins$6,232
High Island$8,098
Highland Park$5,750
Highland Village$5,998
Highlands$6,287
Hill Country Village$3,372
Hillcrest$6,569
Hillister$4,783
Hillsboro$5,137
Hilltop Lakes$4,270
Hilshire Village$5,329
Hitchcock$7,569
Hobson$3,906
Hochheim$6,737
Hockley$5,026
Holiday Lakes$6,597
Holland$3,922
Holliday$7,645
Holly Lake Ranch$4,963
Hollywood Park$3,373
Homestead Meadows North$2,547
Homestead Meadows South$2,542
Hondo$3,995
Honey Grove$5,578
Hooks$5,160
Horizon City$2,550
Horseshoe Bay$3,983
Houston$5,624
Howe$6,153
Hubbard$5,331
Hudson$4,194
Hudson Bend$3,387
Hudson Oaks$6,025
Huffman$5,341
Hufsmith$6,640
Hughes Springs$5,185
Hull$6,107
Humble$4,699
Hungerford$5,321
Hunt$3,894
Hunters Creek Village$5,504
Huntington$4,256
Huntsville$4,588
Hurst$6,217
Hutchins$5,584
Hutto$3,419
Hye$3,501
Idalou$5,767
Iglesia Antigua$4,409
Imperial$3,911
Indian Hills$5,013
Indian Lake$4,670
Indian Springs$4,665
Industry$4,013
Inez$6,094
Ingleside$6,511
Ingram$3,818
Iola$4,243
Iowa Park$7,372
Ira$5,419
Iraan$4,543
Iredell$5,255
Irene$7,100
Irving$5,851
Italy$5,163
Itasca$5,675
Ivanhoe$5,084
Jacinto City$5,833
Jacksboro$6,810
Jacksonville$4,248
Jamaica Beach$8,831
Jarrell$3,813
Jasper$4,648
Jayton$6,425
Jbsa Lackland$3,388
Jbsa Randolph$3,336
Jefferson$4,938
Jermyn$6,009
Jersey Village$5,161
Jewett$4,489
Joaquin$4,354
Johnson City$3,746
Joinerville$6,533
Jollyville$3,339
Jones Creek$7,139
Jonesboro$3,626
Jonesville$6,957
Josephine$5,672
Joshua$5,700
Jourdanton$3,887
Juarez$4,581
Judson$6,509
Junction$4,047
Justiceburg$5,274
Justin$6,156
Kamay$8,666
Karnack$4,843
Karnes City$4,253
Katy$5,614
Kaufman$5,452
Keene$5,728
Keller$5,713
Kemah$9,524
Kemp$5,033
Kempner$3,965
Kendalia$3,424
Kendleton$5,675
Kenedy$4,456
Kennard$4,297
Kennedale$5,911
Kenney$6,916
Kerens$4,695
Kermit$5,198
Kerrick$5,314
Kerrville$3,670
Kildare$4,611
Kilgore$4,183
Killeen$3,817
Kingsbury$3,603
Kingsland$3,950
Kingsville$5,013
Kingwood$4,958
Kirby$3,538
Kirbyville$4,730
Kirvin$4,135
Klondike$4,795
Knickerbocker$7,170
Knippa$3,782
Knott$4,809
Knox City$7,648
Kopperl$5,377
Kosse$4,609
Kountze$5,324
Kress$6,217
Krugerville$6,263
Krum$6,240
Kurten$6,377
Kyle$3,555
La Blanca$5,070
La Coste$3,510
La Feria$4,415
La Grange$4,083
La Grulla$3,852
La Homa$4,484
La Joya$4,509
La Marque$8,270
La Porte$8,252
La Pryor$3,649
La Puerta$3,821
La Salle$5,882
La Vernia$3,563
La Villa$5,067
La Ward$6,011
Lackland AFB$3,563
LaCoste$3,804
Lacy-Lakeview$4,455
Ladonia$5,568
Lago Vista$3,483
Laguna Heights$7,188
Laguna Park$5,360
Laguna Vista$7,170
Laird Hill$6,415
Lake Brownwood$5,533
Lake Bryan$3,904
Lake Cherokee$4,454
Lake Creek$4,775
Lake Dallas$6,050
Lake Dunlap$3,276
Lake Jackson$6,620
Lake Kiowa$6,830
Lake Medina Shores$3,670
Lake Worth$6,099
Lakehills$3,728
Lakeside$6,247
Lakeview$5,911
Lakeway$3,395
Lamar$7,636
Lamesa$5,660
Lampasas$4,018
Lancaster$5,861
Lane City$9,537
Laneville$4,214
Langtry$6,232
Lantana$6,334
Laredo$3,650
Larue$4,711
Las Lomas$3,819
Las Palmas II$4,440
Las Quintas Fronterizas$3,467
Lasara$7,345
Latexo$3,875
Laughlin AFB$3,690
Laureles$4,721
Lavon$5,743
Lawn$5,995
Lazbuddie$5,821
Leaday$4,779
League City$8,144
Leakey$3,979
Leander$3,439
Ledbetter$3,654
Leesburg$5,162
Leesville$4,083
Lefors$7,057
Leggett$6,785
Lelia Lake$6,235
Leming$3,667
Lenorah$5,790
Leon Valley$3,354
Leona$4,552
Leonard$5,695
Leroy$6,890
Levelland$5,472
Lewisville$5,997
Lexington$3,835
Liberty$6,400
Liberty City$4,286
Liberty Hill$3,690
Lillian$5,180
Lincoln$4,002
Lindale$4,472
Linden$5,138
Lindsay$6,823
Lingleville$7,553
Linn$4,836
Lipan$6,034
Lipscomb$6,232
Lissie$5,125
Little Elm$6,017
Little River Academy$3,443
Little River-Academy$3,875
Littlefield$5,582
Live Oak$3,403
Liverpool$7,091
Livingston$4,656
Llano$4,043
Llano Grande$5,054
Lockhart$3,686
Lockney$6,264
Lodi$4,443
Log Cabin$4,780
Lohn$5,416
Lolita$7,183
Lometa$4,240
London$3,676
Lone Oak$5,531
Lone Star$5,007
Long Branch$4,206
Longview$4,431
Loop$5,624
Lopeno$3,224
Lopezville$4,772
Loraine$6,250
Lorena$4,459
Lorenzo$6,026
Los Ebanos$4,235
Los Fresnos$4,768
Los Indios$6,885
Lost Creek$3,327
Lott$4,228
Louise$6,895
Lovelady$4,380
Loving$5,886
Lowake$7,421
Lozano$7,061
Lubbock$5,679
Lucas$5,611
Lueders$6,239
Lufkin$4,196
Luling$3,633
Lumberton$5,521
Lyford$5,028
Lyons$6,607
Lytle$3,737
Mabank$5,026
Macdona$6,110
Madisonville$4,274
Magnolia$4,677
Malakoff$4,768
Malone$4,744
Manchaca$3,470
Manor$3,535
Mansfield$5,923
Manvel$6,232
Maple$5,273
Marathon$4,071
Marble Falls$3,939
Marfa$3,534
Marietta$4,609
Marion$3,367
Markham$6,406
Marlin$4,176
Marquez$4,499
Marshall$4,816
Mart$4,769
Martindale$3,709
Martinsville$6,484
Maryneal$5,419
Mason$3,971
Masterson$5,779
Matador$6,634
Matagorda$9,270
Mathis$5,669
Maud$5,173
Mauriceville$5,889
Maxwell$3,556
May$5,479
Maydelle$6,620
Maypearl$5,287
Mc Camey$4,617
Mc Caulley$5,463
Mc Dade$3,677
Mc Gregor$4,657
Mc Leod$4,612
Mc Neil$6,284
Mc Queeney$3,382
Mcadoo$5,423
McAllen$4,605
McCamey$5,091
Mcfaddin$4,975
McGregor$4,657
McKinney$5,617
McLean$7,125
McLendon-Chisholm$5,550
McQueeney$3,530
Meadow$4,861
Meadowlakes$3,928
Meadows Place$6,824
Medina$3,493
Megargel$7,645
Melissa$5,559
Melvin$4,725
Memphis$6,867
Menard$4,330
Mentone$4,521
Mercedes$5,015
Mereta$4,984
Meridian$5,206
Merit$7,201
Merkel$6,070
Mertens$4,739
Mertzon$5,375
Mesquite$5,796
Mexia$4,541
Meyersville$3,834
Miami$7,248
Mico$3,868
Midfield$5,221
Midkiff$4,628
Midland$5,543
Midlothian$5,316
Midway$4,397
Midway North$5,060
Midway South$5,046
Mila Doce$4,992
Milam$4,371
Milano$4,180
Miles$5,568
Milford$5,144
Millersview$4,689
Millican$3,746
Millsap$6,280
Minden$3,826
Mineola$4,801
Mineral$4,509
Mineral Wells$6,697
Mingus$5,896
Mirando City$3,255
Mission$4,505
Mission Bend$6,097
Missouri City$7,065
Mobeetie$6,231
Monahans$4,657
Mont Belvieu$6,145
Montague$7,077
Montalba$4,423
Monte Alto$5,079
Montgomery$4,589
Moody$4,066
Moore$3,810
Moran$6,016
Morgan$5,293
Morgan Mill$7,700
Morgan's Point Resort$3,876
Morse$6,110
Morton$5,740
Moscow$3,903
Moulton$4,372
Mound$6,320
Mount Calm$4,740
Mount Enterprise$4,207
Mount Pleasant$5,130
Mount Vernon$5,099
Mountain Home$3,749
Muenster$6,855
Muldoon$3,687
Muleshoe$5,910
Mullin$5,603
Mumford$3,659
Munday$7,671
Murchison$4,712
Murillo$4,808
Murphy$5,586
Myra$6,036
Myrtle Springs$5,326
Nacogdoches$4,097
Nada$7,107
Naples$5,062
Nash$5,123
Nassau Bay$7,764
Natalia$3,910
Naval Air Station Jrb$5,188
Navasota$4,346
Nazareth$5,207
Neches$6,667
Nederland$6,285
Needville$7,331
Nemo$4,941
Nevada$5,721
New Baden$3,730
New Boston$5,176
New Braunfels$3,843
New Caney$5,467
New Deal$5,079
New Fairview$6,815
New Home$5,356
New London$4,313
New Territory$6,820
New Ulm$4,579
New Waverly$4,818
Newark$5,883
Newcastle$7,043
Newton$4,886
Nixon$4,057
Nocona$7,289
Nolan$5,546
Nolanville$3,847
Nome$5,055
Nordheim$4,205
Normangee$4,260
Normanna$4,757
North Alamo$4,724
North Cleveland$5,422
North Houston$4,297
North Richland Hills$6,076
North San Pedro$6,169
North Zulch$4,270
Northlake$6,151
Norton$5,021
Notrees$4,834
Novice$5,898
Nursery$7,978
O Brien$6,395
Oak Grove$5,461
Oak Leaf$5,481
Oak Point$6,029
Oak Ridge North$4,659
Oak Trail Shores$5,950
Oakhurst$4,784
Oakland$6,908
Oakville$4,810
Oakwood$4,545
Odell$6,692
Odem$5,591
Odessa$5,266
Odonnell$5,994
Oglesby$4,108
Oilton$3,259
Oklaunion$6,632
Old Glory$5,815
Old Ocean$5,275
Olden$5,024
Olivarez$5,068
Olmito$4,732
Olmos Park$3,427
Olney$7,036
Olton$5,672
Omaha$5,045
Onalaska$4,561
Orange$6,627
Orange Grove$4,991
Orangefield$8,958
Orchard$5,888
Ore City$5,051
Orla$6,778
Ottine$3,936
Ovalo$5,236
Overton$4,296
Ovilla$5,508
Oyster Creek$8,257
Ozona$4,782
Paducah$6,695
Paige$3,653
Paint Rock$5,326
Palacios$7,270
Palestine$4,439
Palm Valley$4,431
Palmer$5,264
Palmhurst$4,474
Palmview$4,459
Palmview South$4,399
Palo Pinto$5,913
Paloma Creek$6,264
Paloma Creek South$6,034
Paluxy$7,766
Pampa$7,055
Pandora$3,456
Panhandle$6,835
Panna Maria$3,911
Panola$6,498
Panorama Village$4,528
Pantego$6,062
Paradise$6,663
Paris$5,444
Parker$5,606
Pasadena$6,778
Pattison$4,576
Pattonville$5,431
Pawnee$4,340
Pearland$6,520
Pearsall$3,710
Peaster$7,784
Pecan Acres$6,424
Pecan Gap$4,775
Pecan Grove$9,345
Pecan Hill$5,488
Pecan Plantation$5,889
Pecos$4,532
Peggy$6,262
Pelican Bay$6,266
Pendleton$6,279
Penelope$5,333
Penitas$4,486
Pennington$3,828
Penwell$4,673
Pep$4,821
Perezville$4,399
Perrin$6,899
Perryton$6,966
Petersburg$6,096
Petrolia$7,722
Petronila$6,387
Pettus$4,616
Petty$4,798
Pflugerville$3,492
Pharr$4,696
Pickton$4,523
Pierce$5,793
Pilot Point$6,152
Pine Harbor$4,936
Pinehurst$5,620
Pineland$4,245
Pinewood Estates$5,933
Piney Point Village$5,513
Pipe Creek$3,729
Pittsburg$5,123
Placedo$5,591
Plains$5,355
Plainview$6,007
Plano$5,743
Plantersville$4,567
Pleasanton$3,649
Pledger$5,173
Plum$6,424
Point$5,386
Point Comfort$7,078
Pointblank$4,978
Pollok$4,202
Ponder$6,291
Pontotoc$3,783
Poolville$6,089
Port Aransas$9,472
Port Arthur$6,776
Port Bolivar$8,952
Port Isabel$7,181
Port Lavaca$7,713
Port Mansfield$5,831
Port Neches$6,126
Port O Connor$7,518
Port O'Connor$9,560
Porter$4,969
Porter Heights$4,957
Portland$6,339
Post$5,993
Poteet$3,702
Poth$3,770
Potosi$6,182
Pottsboro$6,351
Pottsville$4,367
Powderly$5,469
Powell$4,762
Poynor$4,172
Prairie Hill$4,685
Prairie Lea$3,465
Prairie View$5,096
Premont$4,983
Presidio$3,551
Preston$6,355
Price$3,836
Priddy$4,906
Primera$4,428
Princeton$5,681
Proctor$4,735
Progreso$5,076
Prosper$5,686
Providence$6,266
Purdon$4,074
Purmela$3,621
Putnam$5,317
Pyote$4,162
Quail$6,261
Quail Creek$5,497
Quanah$7,945
Queen City$5,132
Quemado$3,641
Quinlan$5,704
Quitaque$5,667
Quitman$4,936
Rainbow$5,146
Ralls$6,041
Rancho Alegre$4,788
Rancho Chico$5,808
Rancho Viejo$4,297
Randolph$4,760
Randolph AFB$3,452
Ranger$5,800
Rankin$4,591
Ransom Canyon$5,035
Ratcliff$3,859
Ravenna$5,595
Raymondville$4,829
Raywood$5,620
Reagan$3,774
Realitos$4,263
Red Oak$5,500
Red Rock$3,664
Redford$3,391
Redwater$4,669
Redwood$3,320
Refugio$6,786
Reid Hope King$5,432
Reklaw$3,859
Rendon$5,933
Reno$5,778
Rhome$6,819
Ricardo$4,943
Rice$4,838
Richards$4,202
Richardson$5,791
Richland$4,665
Richland Hills$5,928
Richland Springs$3,984
Richmond$8,759
Richwood$6,754
Riesel$4,442
Ringgold$6,050
Rio Bravo$3,345
Rio Frio$3,702
Rio Grande City$3,807
Rio Hondo$4,925
Rio Medina$3,672
Rio Vista$5,727
Rising Star$5,822
River Oaks$5,974
Riviera$4,655
Roanoke$6,026
Roans Prairie$6,564
Roaring Springs$5,793
Robert Lee$5,658
Robinson$4,254
Robstown$6,175
Roby$6,253
Rochelle$5,566
Rochester$7,338
Rock Island$4,745
Rockdale$3,977
Rockport$7,630
Rocksprings$4,058
Rockwall$5,562
Rockwood$4,768
Rogers$4,124
Rollingwood$3,318
Roma$3,765
Roman Forest$5,445
Romayor$5,438
Roosevelt$3,674
Ropesville$5,488
Rosanky$3,428
Roscoe$6,373
Rosebud$4,146
Rosenberg$7,424
Rosharon$6,321
Rosita$3,467
Ross$6,875
Rosser$7,307
Rosston$6,025
Rotan$6,262
Round Mountain$3,641
Round Rock$3,437
Round Top$4,320
Rowena$5,709
Rowlett$5,648
Roxton$5,437
Royse City$5,359
Rule$6,778
Runaway Bay$6,947
Runge$4,322
Rusk$4,235
Rye$5,395
Sabinal$3,831
Sabine Pass$7,255
Sachse$5,702
Sacul$3,866
Sadler$6,271
Saginaw$6,054
Saint Hedwig$3,631
Salado$3,834
Salineno$6,306
Salt Flat$3,567
Saltillo$5,206
Sam Norwood$8,490
Sam Rayburn$4,671
San Angelo$5,309
San Antonio$3,422
San Augustine$4,312
San Benito$4,669
San Carlos I$3,367
San Diego$4,291
San Elizario$2,623
San Felipe$4,361
San Isidro$3,782
San Juan$4,788
San Leon$9,251
San Marcos$3,543
San Patricio$5,383
San Saba$4,408
San Ygnacio$3,317
Sand Springs$5,481
Sanderson$4,003
Sandia$4,772
Sanford$5,948
Sanger$6,118
Sansom Park$5,969
Santa Anna$5,511
Santa Elena$3,647
Santa Fe$7,252
Santa Maria$4,056
Santa Rosa$4,438
Santo$6,784
Saragosa$3,827
Saratoga$5,285
Sarita$4,787
Satin$3,736
Savannah$6,263
Savoy$5,957
Scenic Oaks$3,360
Schertz$3,387
Schulenburg$4,313
Schwertner$6,409
Scotland$6,711
Scottsville$6,956
Scroggins$5,106
Scurry$5,367
Seabrook$10,165
Seadrift$7,880
Seagoville$5,637
Seagraves$5,542
Sealy$5,291
Sebastian$4,881
Seguin$3,451
Selma$3,447
Selman City$3,836
Seminole$5,516
Serenada$3,543
Seth Ward$6,048
Seven Points$4,852
Seymour$7,632
Shady Hollow$3,353
Shady Shores$5,982
Shallowater$5,805
Shamrock$7,216
Shavano Park$3,388
Sheffield$4,071
Shelbyville$4,375
Sheldon$6,018
Shenandoah$4,275
Shepherd$5,149
Sheppard AFB$6,439
Sheridan$4,219
Sherman$6,205
Sherwood Shores$6,333
Shiner$4,374
Shiro$3,876
Shoreacres$8,011
Sidney$4,795
Sienna Plantation$7,636
Sierra Blanca$3,681
Siesta Acres$3,467
Siesta Shores$3,278
Silsbee$5,370
Silver$4,899
Silverton$6,430
Simms$5,221
Simonton$5,320
Sinton$5,807
Skellytown$6,917
Skidmore$5,412
Slaton$5,751
Slidell$8,131
Smiley$4,110
Smithville$3,732
Smyer$5,421
Snook$3,843
Snyder$6,145
Socorro$2,577
Somerset$3,454
Somerville$4,219
Sonora$4,707
Sour Lake$5,964
South Alamo$4,732
South Bend$5,727
South Houston$6,182
South Mountain$3,947
South Padre Island$7,530
South Plains$8,038
Southlake$5,923
Southmayd$5,316
Southside Place$5,503
Spade$4,986
Sparks$2,542
Spearman$6,920
Spicewood$3,696
Splendora$5,153
Spring$4,558
Spring Branch$3,764
Spring Valley Village$5,324
Springlake$5,052
Springtown$6,371
Spur$6,224
Spurger$4,261
St. Hedwig$3,610
St. Jo$6,491
St. Paul$5,825
Stafford$6,675
Stamford$7,052
Stanton$5,680
Staples$3,473
Star$4,912
Stephenville$5,442
Sterling City$5,560
Stinnett$6,881
Stockdale$3,731
Stonewall$3,256
Stowell$8,902
Stratford$6,755
Strawn$6,839
Streetman$4,136
Sublime$6,873
Sudan$5,901
Sugar Land$6,907
Sullivan City$4,464
Sulphur Bluff$4,513
Sulphur Springs$5,212
Summerfield$5,152
Sumner$5,450
Sundown$5,382
Sunnyvale$5,850
Sunray$6,454
Sunrise Beach Village$3,995
Sunset$7,040
Sunset Valley$3,484
Surfside Beach$9,390
Sutherland Springs$3,596
Sweeny$6,202
Sweet Home$6,916
Sweetwater$6,192
Sylvester$5,463
Taft$5,944
Taft Southwest$5,915
Tahoka$5,984
Talco$4,896
Talpa$4,775
Talty$5,586
Tarpley$3,533
Tarzan$5,151
Tatum$4,468
Taylor$3,360
Taylor Lake Village$10,739
Teague$4,630
Tehuacana$4,140
Telegraph$3,933
Telephone$4,757
Telferner$4,946
Tell$5,934
Temple$3,938
Tenaha$4,276
Tennessee Colony$4,442
Tennyson$5,037
Terlingua$3,989
Terrell$5,488
Terrell Hills$3,576
Texarkana$5,024
Texas City$9,292
Texhoma$5,932
Texline$5,928
The Colony$5,982
The Hills$3,471
The Woodlands$4,550
Thicket$4,746
Thomaston$6,728
Thompsons$5,704
Thorndale$4,003
Thornton$4,095
Thrall$3,414
Three Rivers$5,222
Throckmorton$7,511
Tiki Island$11,223
Tilden$3,903
Timberwood Park$3,312
Timpson$4,326
Tioga$6,210
Tivoli$7,436
Tokio$4,767
Tolar$5,941
Tom Bean$6,094
Tomball$4,675
Tool$4,853
Tornillo$2,648
Tow$3,611
Toyah$4,170
Toyahvale$6,461
Trent$5,908
Trenton$5,431
Trinidad$4,770
Trinity$4,390
Trophy Club$6,026
Troup$4,307
Troy$3,829
Tuleta$7,946
Tulia$6,163
Turkey$6,695
Tuscola$5,944
Tye$6,074
Tyler$4,381
Tynan$4,723
Umbarger$5,930
Universal City$3,424
University Park$5,778
Utopia$3,648
Uvalde$3,779
Uvalde Estates$3,761
Val Verde Park$3,780
Valentine$3,390
Valera$5,550
Valley Mills$4,867
Valley Spring$3,791
Valley View$6,832
Van$4,993
Van Alstyne$5,992
Van Horn$3,392
Van Vleck$6,226
Vancourt$4,984
Vanderpool$3,528
Vega$6,544
Venus$5,543
Veribest$7,080
Vernon$7,706
Victoria$5,661
Vidor$6,768
Villa Verde$5,061
Village Mills$4,663
Vinton$2,558
Voca$4,730
Von Ormy$3,739
Voss$4,779
Votaw$5,309
Waco$4,315
Wadsworth$5,775
Waelder$3,962
Waka$6,111
Wake Village$5,106
Walburg$6,130
Wall$4,979
Waller$4,854
Wallis$5,828
Wallisville$6,029
Walnut Springs$5,308
Warda$3,623
Waring$3,406
Warren$4,804
Warrenton$6,671
Washington$4,590
Waskom$4,845
Watauga$5,937
Water Valley$4,979
Waxahachie$5,311
Wayside$6,406
Weatherford$6,084
Webster$7,323
Weesatche$7,498
Weimar$4,566
Weinert$6,409
Weir$6,133
Welch$5,165
Wellborn$6,364
Wellington$7,180
Wellman$4,861
Wells$4,265
Wells Branch$3,471
Weslaco$5,873
West$4,742
West Alto Bonito$3,823
West Columbia$6,497
West Lake Hills$3,323
West Livingston$4,708
West Odessa$5,178
West Orange$7,624
West Point$4,033
West University Place$5,507
Westbrook$6,232
Westdale$5,013
Westhoff$3,804
Westlake$5,899
Westminster$5,546
Weston$7,445
Weston Lakes$6,399
Westover Hills$6,081
Westway$2,584
Westwood Shores$4,383
Westworth Village$5,978
Wharton$6,830
Wheeler$7,238
Wheelock$3,749
White Deer$6,891
White Oak$4,275
White Settlement$6,215
Whiteface$5,165
Whitehouse$4,442
Whitesboro$6,344
Whitewright$6,091
Whitharral$4,821
Whitney$5,392
Whitsett$4,626
Whitt$5,262
Wichita Falls$7,413
Wickett$4,160
Wiergate$4,643
Wild Peach Village$6,579
Wildorado$6,121
Willis$4,603
Willow City$3,495
Willow Park$6,024
Wills Point$5,430
Wilmer$5,714
Wilson$5,987
Wimberley$3,568
Windcrest$3,321
Windom$4,760
Windthorst$7,639
Wingate$5,365
Wink$5,154
Winnie$6,817
Winnsboro$4,920
Winona$4,422
Winters$6,023
Woden$3,768
Wolfe City$5,548
Wolfforth$5,730
Woodbranch$5,456
Woodcreek$3,568
Woodlake$6,575
Woodlawn$6,971
Woodsboro$6,772
Woodson$7,367
Woodville$4,637
Woodway$4,184
Wortham$4,677
Wrightsboro$3,954
Wyldwood$3,687
Wylie$5,626
Yancey$3,688
Yantis$5,015
Yoakum$4,225
Yorktown$4,182
Zapata$3,263
Zavalla$4,318
Zephyr$5,473

Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary.

Among the most populated counties in Texas, average home insurance premiums range from $2,599 a year in El Paso County to $6,977 in Fort Bend County.

CountyAverage annual premium
Harris$5,738
Dallas$5,771
Tarrant$6,048
Bexar$3,451
Travis$3,482
Collin$5,684
Denton$6,029
Hidalgo$4,792
El Paso$2,599
Fort Bend$6,977
Montgomery$4,698
Williamson$3,703
Cameron$5,146
Brazoria$6,757
Bell$4,000

Note: Average rates are based on non-binding estimates by Quadrant Information Services. Your rates may vary.

Find the Cheapest Home Insurance Quotes in Texas

Texas is prone to many natural disasters, including floods, hurricanes and tornadoes. You may need more coverage if you live in an area where these disasters are common.

Flood insurance in Texas

Standard home insurance policies don’t cover floods, but you can buy flood insurance through insurance companies that participate in the National Flood Insurance Program (NFIP). You can also buy flood insurance through some private companies.

Hurricane coverage in Texas

Both home insurance and flood insurance can protect your home against hurricane damage. A standard home insurance policy covers wind damage from hurricanes, while flood insurance will cover water damage from hurricanes.

If you live along the coast in Texas, your home insurance policy may exclude wind damage. In this case, you need to buy a separate windstorm insurance policy. You can get this coverage through the Texas Windstorm Insurance Association (TWIA).

Tornado coverage in Texas

Tornadoes regularly hit Texas thanks to its location in Tornado Alley. Thankfully, standard home insurance policies usually cover wind damage. If your home insurance policy excludes wind damage, you can buy a separate windstorm insurance policy.

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Texas. The following coverages and deductible were used unless otherwise noted:

  • $400,000 dwelling coverage
  • $40,000 other structures
  • $200,000 personal property
  • $80,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible

Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.

For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.