Best Home Insurance in Texas (2022)

Texas Farm Bureau offers the lowest average rate on homeowners insurance in the state, $185 a month.

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Texas Farm Bureau Insurance offers the cheapest average rate for home insurance in Texas at $2,221 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 $3,626 a year. Here’s the intel you need to find the best homeowners insurance in Texas.

In this article

What is the average cost of home insurance in Texas?

The average cost of home insurance in Texas works out to $302 a month, which is the second-highest rate in the nation, behind Oklahoma.

In our analysis, we reviewed home insurance quotes from leading companies for a typical home in every Texas ZIP code. The analysis shows how widely rates can vary by your location, with those in areas exposed to severe weather paying more than those in many inland areas. For example, the average cost of homeowners insurance along the coast in Nueces County is $336 a month, compared to $202 a month in inland Bexar County.

Average cost of homeowners insurance in Texas
County Average monthly rate
Bexar County $202
Dallas County $361
El Paso County $154
Harris County $271
Nueces County $336
State average $302
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In addition to your location, insurance companies analyze a variety of other 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

Since companies weigh each rate factor differently and offer different discounts, you may qualify for a significantly lower rate with one company than you do with others. This is why it’s best to obtain quotes from multiple companies when you shop.

Compare quotes for the cheapest home insurance

Which companies offer the cheapest home insurance in Texas?

Texas Farm Bureau offers the cheapest home insurance in Texas at $185 a month. The next cheapest rates are available from Chubb, $212 a month, Farmers, $233 a month, and Allstate, $275 a month.

Access to Texas Farm Bureau Insurance services is among the benefits available to members of the Texas Farm Bureau, an advocacy organization in the American Farm Bureau Federation. The annual membership fee ranges from $35 to $50, depending on your county of residence.

Best home insurance rates in Texas
Company Average monthly rate
Texas Farm Bureau $185
Chubb $212
Farmers $233
Allstate $275
State average $302
Amica Mutual $313
State Farm $322
Progressive $332
Nationwide $377
UPC $383
Travelers $390
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Which are Texas’ best home insurance companies?

Based on a combination of rates and customer service ratings, Texas Farm Bureau, Chubb, Farmers and Amica Mutual stand out as the best homeowners insurance companies in Texas.

Best customer service ratings

A review of key customer service metrics shows that Amica Mutual and State Farm have the highest satisfaction rankings, while Chubb and Texas Farm Bureau have the best Complaint Index scores.

Amica Mutual has the highest overall customer satisfaction ranking in the J.D. Power 2021 U.S. Home Insurance Study. Based on a 1,000-point scale, the rankings reflect the results of customer surveys rating insurance companies on interaction, policy offerings, price, billing process, policy information and claims.

Insurance company satisfaction scores
Company Satisfaction ranking
Amica Mutual 854
State Farm 835
Allstate 829
Segment average 825
Progressive 821
Farmers 813
Nationwide 812
Chubb 801
Travelers 800
Texas Farm Bureau Not included
UPC Not included
Source: J.D. Power 2021 U.S. Home Insurance Study, based on a 1,000-point score.

The National Association of Insurance Commissioner’s Complaint Index compares insurance by confirmed complaints, which are complaints that lead to a finding of fault. The national complaint index is 1.0. A company with a 2.0 complaint index has twice as many confirmed complaints as expected for a company of its size, while a company with a 0.5 Complaint Index has half as many.

Based on 2021 data, Chubb has the lowest possible Complaint Index, 0.0, followed by Texas Farm Bureau, 0.07, and Farmers, 0.13.

Complaint index scores for Texas home insurance companies
Company Complaint index
Chubb 0.0
Texas Farm Bureau 0.07
Farmers 0.13
State Farm 0.25
Amica 0.32
Travelers 0.42
Progressive 0.51
National Complaint Index (baseline) 1.0
Nationwide 1.72
UPC 3.46
Allstate 3.72
Source: National Association of Insurance Commissioners, based on 2021 data; lower scores reflect better performance.

Best overall insurance company

Great rates and a low Complaint Index are among the factors that make Texas Farm Bureau one of the best overall choices for homeowners insurance in Texas.

Although Texas Farm Bureau is not included in J.D. Power’s 2021 Home Insurance Study, it has had the highest satisfaction ranking among Texas car insurance companies in J.D. Power’s annual Auto Insurance Study for the past several years.

Amica Mutual’s rates are higher than the statewide average, but its strong satisfaction ranking makes it a company worth considering.

Best national carriers

Favorable customer service metrics and competitive rates bring Chubb and Farmers to the head of the pack among the national insurance companies in Texas.

Chubb is best known for covering high-value homes, but the company’s rates in Texas are competitive for a broad range of customers. Chubb’s Masterpiece home insurance program includes features other companies usually only offer by endorsement, such as replacement cost coverage for your belongings. A standard homeowners policy usually only covers your belongings at actual cash value, which is their value after depreciation.

Chubb's HomeScan service find leaks, faulty electrical connections and insulation gaps in your home, so you can fix these problems before they cause more costly damage.

In addition to low rates and a strong Complaint Index score, Farmers also allows you to customize your home insurance coverage with three different policy tiers: Standard, Enhanced and Premier.

As its name suggests, Farmers’ Standard package offers a basic level of coverage at the lowest price. The benefits of Premier include higher personal property limits and guaranteed replacement cost coverage of your home. With guaranteed replacement cost coverage, the insurance company pays to rebuild your home after a total loss, even if the cost of doing so exceeds your policy’s dwelling limit. Chubb's Masterpiece coverage also includes guaranteed replacement cost coverage of your home.

How much does home insurance cost in Texas by city?

Among Texas largest cities, home insurance rates range from $154 a month in El Paso to $370 a month in El Paso.

Home insurance costs in Texas by city
City Average monthly rate
Houston $270
San Antonio $200
Dallas $362
Austin $211
Fort Worth $370
El Paso $154
State average $302
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Texas’ largest cities, Nationwide offers the cheapest homeowners insurance in Houston, while Texas Farm Bureau offers the cheapest insurance in San Antonio, Austin and Fort Worth. Chubb offers the lowest rates in Dallas and El Paso.

Cheapest home insurance in Houston

Nationwide offers the cheapest home insurance in Houston, $110 a month, followed by Farmers, $146 a month, and Progressive, $147 a month.

The average cost of home insurance in Houston is $270 a month.

Home insurance rates in Houston
Company Average monthly rate
Nationwide $110
Farmers $146
Progressive $147
Texas Farm Bureau $209
Chubb $262
City average $270
Amica Mutual $290
Allstate $366
UPC $375
State Farm $378
Travelers $414
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in San Antonio

Texas Farm Bureau offers the cheapest home insurance in San Antonio, $128 a month, followed by Farmers, $140 a month, Chubb, $153 a month, and State Farm, $185 a month. All four companies' rates are lower than San Antonio’s average of $200 a month.

Home insurance rates in San Antonio
Company Average monthly rate
Texas Farm Bureau $128
Farmers $140
Chubb $153
State Farm $185
City average $200
Allstate $206
Amica Mutual $220
Travelers $227
Progressive $237
UPC $247
Nationwide $258
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Dallas

Chubb has the cheapest home insurance in Dallas, $176 a month, followed by Texas Farm Bureau, $202 a month. The average rate available in Dallas is $362 a month. The rates available from Allstate, $268 a month, State Farm, $270 a month, and Farmers, $293 a month, also beat the city average.

Home insurance rates in Dallas
Company Average annual rate
Chubb $176
Texas Farm Bureau $202
Allstate $268
State Farm $270
Farmers $293
City average $362
Amica Mutual $417
Travelers $428
Progressive $444
UPC $561
Nationwide $562
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Austin

Texas Farm Bureau offers the cheapest average rate on home insurance in Austin, $121 a month, which works out to $12 less per month than the next best rate, $133 a month, from Chubb. Both companies’ rates are well below the citywide average, $211 a month.

Home insurance rates in Austin
Company Average monthly rate
Texas Farm Bureau $121
Chubb $133
Farmers $171
State Farm $176
Allstate $200
Travelers $205
City average $211
UPC $253
Nationwide $280
Amica Mutual $286
Progressive $288
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in Fort Worth

Texas Farm Bureau offers the cheapest home insurance in Fort Worth, $211 a month, but Chubb, at $214 a month, is not far behind. With a rate of $284 a month, State Farm is the only other company with a rate below $300 a month.

Among the state’s six largest cities, Fort Worth has the highest average insurance rate, $370 a month.

Home insurance rates in Fort Worth
Company Average monthly rate
Texas Farm Bureau $211
Chubb $214
State Farm $284
Allstate $306
Farmers $309
Amica Mutual $334
City average $370
Travelers $429
Progressive $440
UPC $568
Nationwide $603
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance in El Paso

Chubb offers the cheapest rate on home insurance in El Paso, $76 a month. The next best rates are considerably higher, including $118 a month from Nationwide and $130 a month from UPC.

In West Texas, the average home insurance rate available in El Paso, the state’s sixth-largest city, is $154 a month.

Home insurance rates in El Paso
Company Average monthly rate
Chubb $76
Nationwide $118
UPC $130
Travelers $133
City average $154
Farmers $155
Texas Farm Bureau $159
Progressive $166
Allstate $169
Amica Mutual $197
State Farm $235
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 about home insurance in Texas

How much is home insurance in Texas?

The average rate of home insurance in Texas is $3,626 a year, or $302 a month. Among the state’s largest cities, monthly rates range from $154 a month in El Paso to $370 a month in Fort Worth.

Why is home insurance so expensive in Texas?

Record-setting natural disasters and rising costs of building materials are among the factors 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.

Is home insurance required in Texas?

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 non-binding quotes from every ZIP code in Texas for a standard HO-3 homeowners insurance policy, with the following coverages:

  • Dwelling coverage: $275,000
  • Other structures coverage: $27,500
  • Personal property coverage: $137,500
  • Loss of use coverage: $55,000
  • Liability coverage: $100,000
  • Medical payments: $5,000
  • Deductible: $1,000

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