Chubb Insurance offers the cheapest average rate for home insurance in Texas at $2,299 a year, but prices vary based on your location, insurance company and the policy features you choose. Overall, the average cost of homeowners insurance statewide is $3,884 a year. Here's the intel you need to find the best homeowners insurance in Texas.
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Cheapest home insurance companies in Texas
Chubb has the lowest average home insurance rate in Texas, at $2,299 a year. It's followed by USAA at $2,659 a year. The table below shows average home insurance rates in Texas by company.
| Company | Average annual premium |
|---|---|
| Allstate | $3,657 |
| Amica Mutual | $4,163 |
| Chubb | $2,299 |
| Farmers | $3,195 |
| State Auto | $4,337 |
| Nationwide | $4,931 |
| State Farm | $4,180 |
| Texas Farm Bureau | $2,736 |
| Travelers | $6,685 |
| USAA | $2,659 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What is the average cost of home insurance in Texas?
The average cost of home insurance in Texas works out to $324 a month, which is the third-highest rate in the U.S., behind Nebraska and Kansas.
Insurance companies analyze a variety of rate factors to determine your premium, including:
- The age and construction features of your home
- Your home's replacement cost value, which is different from its market value
- Your insurance history
- Potential discounts you may qualify to receive
There are ways to lower your premium, such as choosing a higher deductible. The table below shows how your premium can change based on your chosen deductible.
| Deductible | Average annual premium |
|---|---|
| $500 | $4,003 |
| $1,000 | $3,884 |
| $1,500 | $3,782 |
| $2,000 | $3,720 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Your premiums will also vary based on the dwelling coverage amount you need. Your dwelling coverage amount is the cost of rebuilding your home. The table below shows average annual premiums for dwelling coverage amounts ranging from $200,000 to $500,000.
| Dwelling coverage amount | Average annual premium |
|---|---|
| $200,000 | $3,080 |
| $275,000 | $3,884 |
| $350,000 | $4,732 |
| $425,000 | $5,533 |
| $500,000 | $6,384 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare quotes for the cheapest home insurance
Best home insurance companies in Texas
USAA, Chubb and Amica Mutual are some of the best home insurance companies in Texas based on our research. QuoteWizard rated insurance companies in Texas based on their rates, coverages, discounts, customer service ratings from third parties and online experiences.
| Company | QuoteWizard Rating |
|---|---|
| Allstate | 3.5 |
| Amica Mutual | 4.4 |
| Chubb | 4.3 |
| Farmers | 3.7 |
| State Auto | 2.7 |
| Nationwide | 3.7 |
| State Farm | 3.1 |
| Texas Farm Bureau | 2.1 |
| Travelers | 3.2 |
| USAA | 4.5 |
Chubb: Best for rates
$2,299 yearly
41% lower than state average
$3,884 yearly
0.13
The NAIC complaint index measures the complaints policyholders file against an insurer with the average complaint index being 1.0.
Along with cheap rates, Chubb has fewer complaints than what is expected for a company its size.
Chubb offers premium coverage if you need extra coverage for your assets. Chubb's Masterpiece product will repair or rebuild your home to its original condition after a covered loss even if the cost surpasses your policy limit. Their Masterpiece product also covers cash settlement up to your policy limit if you choose not to rebuild your home.
Chubb doesn’t offer online quotes.
| City | Annual rate |
|---|---|
|
Houston |
$2,206 |
|
San Antonio |
$1,558 |
|
Dallas |
$1,937 |
|
Austin |
$1,351 |
|
Fort Worth |
$2,097 |
|
El Paso |
$883 |
|
Arlington |
$2,115 |
|
Corpus Christi |
$7,557 |
|
Plano |
$1,599 |
|
Lubbock |
$2,261 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Amica Mutual: Best for customer service
J.D. Power overall customer satisfaction ranking
849 out of 1,000
you can save up to 30% bundling
$3,884 yearly
0.13
The NAIC complaint index measures the complaints policyholders file against an insurer with the average complaint index being 1.0.
Along with a high customer satisfaction ranking and a low Complaint Index score, it has an AM Best financial strength rating of A+, which shows that the company is in good financial health.
Although Amica Mutual has great customer satisfaction, its average annual premium is higher than the state average. You can take advantage of Amica Mutual's many discounts to lower your premium. If you have auto insurance, you can save up to 30% if you bundle home and auto insurance policies with Amica Mutual.
USAA: Best for veterans
884 out of 1,000
low average rate
$2,659 yearly
$3,884 yearly
Along with cheap rates, USAA offers great customer service and has an AM Best financial strength rating of A++, which is the highest rating a company can get.
If you're currently in the military, USAA will cover your uniform, military equipment and will waive your deductible if your belongings are damaged or lost due to war.
USAA is only available to military personnel and veterans, as well as their families.
How much does home insurance cost in Texas by city?
Among Texas largest cities, average home insurance rates range from $2,050 a year in El Paso to $6,131 a year in Corpus Christi.
| City | Average annual premium |
|---|---|
| Houston | $4,614 |
| San Antonio | $2,727 |
| Dallas | $4,448 |
| Austin | $2,653 |
| Fort Worth | $4,639 |
| El Paso | $2,050 |
| Arlington | $4,659 |
| Corpus Christi | $6,131 |
| Plano | $4,246 |
| Lubbock | $4,198 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Houston
Nationwide offers the cheapest home insurance in Houston at $1,314 a year, followed by Chubb at $2,206 a year. The average cost of home insurance in Houston is $4,614 a year.
| Company | Average annual premium |
|---|---|
| Allstate | $4,934 |
| Amica Mutual | $3,724 |
| Farmers | $6,767 |
| Chubb | $2,206 |
| State Auto | $4,919 |
| Nationwide | $1,314 |
| State Farm | $4,590 |
| Texas Farm Bureau | $2,963 |
| Travelers | $9,751 |
| USAA | $4,972 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in San Antonio
Chubb offers the cheapest home insurance in San Antonio at $1,558 a year, followed by Texas Farm Bureau at $1,938 a year.
| Company | Average annual premium |
|---|---|
| Allstate | $2,761 |
| Amica Mutual | $3,106 |
| Farmers | $2,383 |
| Chubb | $1,558 |
| State Auto | $2,608 |
| Nationwide | $3,257 |
| State Farm | $2,835 |
| Texas Farm Bureau | $1,938 |
| Travelers | $4,790 |
| USAA | $2,037 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Dallas
Chubb offers the cheapest average rate on home insurance in Dallas at $1,937 a year, which works out to $941 less per month than the next-best rate, $2,878 a year, from USAA. Both companies' rates are well below the citywide average, $4,448 a year.
| Company | Average annual premium |
|---|---|
| Allstate | $3,514 |
| Amica Mutual | $5,187 |
| Farmers | $2,965 |
| Chubb | $1,937 |
| State Auto | $5,526 |
| Nationwide | $7,582 |
| State Farm | $4,230 |
| Texas Farm Bureau | $3,046 |
| Travelers | $7,621 |
| USAA | $2,878 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Austin
Chubb offers the cheapest average rate on home insurance in Austin at $1,351 a year. Texas Farm Bureau offers the second-cheapest rate in Austin at $1,845 a year. Both companies' rates are well below the citywide average, $2,653 a year.
| Company | Average annual premium |
|---|---|
| Allstate | $2,679 |
| Amica Mutual | $3,611 |
| Farmers | $2,320 |
| Chubb | $1,351 |
| State Auto | $2,520 |
| Nationwide | $3,646 |
| State Farm | $2,930 |
| Texas Farm Bureau | $1,845 |
| Travelers | $3,714 |
| USAA | $1,917 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Texas by county
The Dallas county with the cheapest homeowners insurance premium is El Paso, with an average rate of $2,047 a year. Home insurance tends to be cheap in Travis and Bexar Counties, too, with average premiums of $2,666 and $2,735 a year, respectively.
| County | Average annual premium |
|---|---|
| Harris | $4,770 |
| Dallas | $4,476 |
| Tarrant | $4,644 |
| Bexar | $2,735 |
| Travis | $2,666 |
| Collin | $4,166 |
| Denton | $4,315 |
| Hidalgo | $3,766 |
| El Paso | $2,047 |
| Fort Bend | $5,191 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find cheap Texas home insurance
Texas home insurance for hurricanes, windstorms and other natural disasters
In Texas, homeowners insurance covers disasters such as hurricanes, windstorms and earthquakes differently than it covers other hazards. For example, a standard homeowners insurance policy almost always covers fire, but you have to purchase endorsements to protect against earth movement such as an earthquake or a sinkhole.
Most property damage from hurricanes is caused by extreme winds and flooding from storm surges. Flood damage is generally excluded from homeowners insurance, and in Texas, wind damage is often excluded in areas with the greatest hurricane risks.
Here's what you should know about protecting your home from these risks.
Windstorm insurance in Texas
In 14 of Texas' coastal counties, plus portions of Harris County, homeowners policies exclude wind and hail damage. In these areas, you have to purchase separate windstorm insurance.
In other parts of the state, standard homeowners insurance usually does cover wind and hail damage, but you should check your policy to make sure it does not contain exclusions.
Texas flood insurance
Standard homeowners insurance does not cover damage from floods, including storm surges, but you can buy flood insurance to protect your home and belongings from this risk.
If you live in a federally designated high-risk flood zone and have a mortgage, your lender will require flood insurance. It's worth considering purchasing flood insurance on an optional basis if you don't have a mortgage and/or you live in a low- or moderate-risk area.
Flood insurance is available through the federally managed National Flood Insurance Program (NFIP) and from certain private insurance companies. You can usually ask your current insurance agent or company to help you shop. Most local insurance agencies have at least one agent on staff who is authorized to sell NFIP and private flood insurance.
Frequently asked questions
Natural disasters in Texas are a big factor that make home insurance so expensive in Texas. Premiums reflect an insurance company’s cost of doing business in a particular area. When the overall costs of settling insurance claims go up, so do premiums.
If you have a mortgage, your lender will require you to obtain homeowners insurance, but the state does not mandate coverage. Considering the value of your home, some form of home insurance is highly recommended even if you own your home outright.
Methodology
We collected quotes from every ZIP code in Texas for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
QuoteWizard rated insurance companies based on their cost, discounts, coverages, financial strength, J.D. Power score, NAIC Complaint Index, and website experience. We used a weighted rating for each of these categories and scored them out of five.
Home insurance by city
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