Homeowners Insurance Texas

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Average Homeowners Insurance in Texas: $1,070

Median Home Price in Texas: $190,000

Texas homeowners insurance rates in December 2013 stood at an average of $1,070 as compared to $1,070 in November 2013.

Insurance Premium Saving Tips in Texas

  • Bundle your insurance:

    Bundling home and car insurance in Texas with the same provider will have approximately $107 to $161 of savings in Texas

  • Safety Systems:

    Having safety systems at home can save up to $187 in Texas

  • New Home:

    If your home was built within the past 10 years in Texas, you could save up to $214

  • Senior Discounts:

    Senior citizens (55 or older) in Texas could save approximately $214


Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under878
$50,000 to $74,9991,487
$75,000 to $99,9991,642
$100,000 to $124,9991,673
$125,000 to $149,9991,657
$150,000 to $174,9991,655
$175,000 to $199,9991,709
$200,000 to $299,9991,889
$300,000 to $399,9992,252
$400,000 to $499,9992,609
$500,000 and Over3,785

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under170
$14,000 to $19,999179
$20,000 to $25,999242
$26,000 to $31,999264
$32,000 to $37,999264
$38,000 to $43,999303
$44,000 to $49,999313
$50,000 to $74,999372
$75,000 to $99,999 490
$100,000 and Over715

Average homeowners insurance by county

CountyHome Insurance Cost
Reagan County$847 to $1151
Knox County$836 to $1136
Throckmorton County$991 to $997
La Salle County$984 to $996
Lampasas County$1027 to $1038
Lee County$1024 to $1031
Lavaca County$1010 to $1015
Leon County$1008 to $1020
Newton County$1000 to $1012
Nolan County$991 to $998
Nueces County$1024 to $1026
Ochiltree County$1004 to $1010
Oldham County$1003 to $1015
Ellis County$1040 to $1043
Duval County$988 to $997
Eastland County$998 to $1005
Ector County$1012 to $1014
Edwards County$994 to $1004
Starr County$995 to $998
Somervell County$1028 to $1050
Smith County$1029 to $1033
Sherman County$1005 to $1014
Reeves County$983 to $992
Sterling County$991 to $1015
Stonewall County$989 to $997
Randall County$1040 to $1042
Red River County$998 to $1005
Real County$999 to $1022
Tyler County$1002 to $1010
Trinity County$1005 to $1013
Travis County$1084 to $1086
Tom Green County$1015 to $1020
Robertson County$1004 to $1010
Rockwall County$1070 to $1075
Refugio County$999 to $1006
Roberts County$1018 to $1034
Runnels County$994 to $1003
Stephens County$998 to $1006
Borden County$1002 to $1034
Brazoria County$1045 to $1048
Kaufman County$1034 to $1038
Johnson County$1027 to $1029
Jones County$995 to $1000
Kendall County$1104 to $1130
Schleicher County$1006 to $1013
San Saba County$999 to $1008
Shackelford County$997 to $1005
Scurry County$1006 to $1013
Shelby County$999 to $1005
Cooke County$1021 to $1028
Concho County$1000 to $1008
Comanche County$1006 to $1011
Comal County$1073 to $1081
Coryell County$1018 to $1021
Cochran County$982 to $987
Childress County$989 to $998
Clay County$1005 to $1010
Chambers County$1040 to $1050
Cherokee County$1003 to $1007
Jim Hogg County$980 to $996
Jefferson County$1017 to $1019
Jeff Davis County$1012 to $1026
Jasper County$1006 to $1011
Jim Wells County$999 to $1004
San Patricio County$1012 to $1018
San Augustine County$1000 to $1008
San Jacinto County$1008 to $1014
Rusk County$1010 to $1015
Sabine County$996 to $1009
Coke County$995 to $1005
Coleman County$996 to $1002
Collin County$1079 to $1080
Collingsworth County$996 to $1005
Colorado County$1014 to $1030
Castro County$994 to $1006
Cass County$1004 to $1009
Carson County$1011 to $1017
Camp County$1019 to $1026
Cameron County$1006 to $1007
Dallas County$1036 to $1037
Zapata County$992 to $997
Zavala County$983 to $991
Dawson County$990 to $994
Burnet County$1042 to $1052
Burleson County$1011 to $1019
Calhoun County$1011 to $1020
Caldwell County$1020 to $1026
Kleberg County$1003 to $1008
Kinney County$995 to $1011
Lamar County$1011 to $1014
Lamb County$993 to $999
Webb County$1023 to $1025
Walker County$1023 to $1029
Waller County$1035 to $1044
Ward County$991 to $995
Washington County$1039 to $1049
Grayson County$1020 to $1024
Callahan County$1002 to $1010
Young County$1005 to $1015
Hale County$1000 to $1005
Gregg County$1028 to $1031
Grimes County$1011 to $1021
Guadalupe County$1049 to $1052
Victoria County$1021 to $1026
Uvalde County$1000 to $1010
Upton County$985 to $994
Van Zandt County$1015 to $1022
Val Verde County$1011 to $1015
King County$910 to $1120
Kerr County$1041 to $1052
Kimble County$1007 to $1019
Kenedy County$932 to $1055
Kent County$997 to $1002
Briscoe County$981 to $996
Brooks County$985 to $992
Brazos County$1046 to $1051
Hardin County$1015 to $1022
Hamilton County$1011 to $1020
Hall County$983 to $991
Hardeman County$984 to $993
Hansford County$998 to $1008
Medina County$1021 to $1029
Menard County$993 to $1004
Matagorda County$1011 to $1018
Maverick County$1008 to $1013
Midland County$1041 to $1045
Upshur County$1011 to $1017
Hockley County$1007 to $1011
Hemphill County$1014 to $1030
Henderson County$1011 to $1014
Hidalgo County$1006 to $1008
Hill County$1009 to $1012
Blanco County$1050 to $1059
Bosque County$1011 to $1021
Bowie County$1014 to $1018
Fayette County$1030 to $1044
Falls County$996 to $1000
Fannin County$1012 to $1018
El Paso County$1025 to $1026
Erath County$1025 to $1034
Yoakum County$995 to $1012
Taylor County$1015 to $1019
Terrell County$987 to $1000
Terry County$996 to $1002
Montague County$1009 to $1015
Mitchell County$991 to $1000
Mills County$1000 to $1024
Milam County$1007 to $1017
Titus County$1012 to $1018
Montgomery County$1055 to $1057
Hays County$1060 to $1064
Harrison County$1023 to $1028
Harris County$1038 to $1038
Haskell County$985 to $990
Hartley County$1034 to $1049
Bexar County$1033 to $1033
Franklin County$1007 to $1021
Fort Bend County$1064 to $1066
Foard County$980 to $989
Floyd County$992 to $1002
Fisher County$993 to $999
Baylor County$998 to $1008
Sutton County$1003 to $1015
Bastrop County$1028 to $1035
Swisher County$992 to $1005
Tarrant County$1040 to $1041
Lubbock County$1023 to $1025
Loving County$1000 to $1021
Lynn County$997 to $1006
Mclennan County$1022 to $1025
Jack County$1003 to $1010
Irion County$995 to $1011
Hutchinson County$998 to $1005
Hunt County$1014 to $1019
Jackson County$1010 to $1014
Bandera County$1035 to $1052
Bailey County$991 to $1000
Austin County$1045 to $1054
Atascosa County$1009 to $1012
Armstrong County$1008 to $1022
Garza County$998 to $1010
Frio County$991 to $1004
Freestone County$1007 to $1012
Galveston County$1044 to $1048
Gaines County$1006 to $1015
Wood County$1019 to $1025
Wilson County$1037 to $1048
Williamson County$1063 to $1065
Wise County$1029 to $1035
Winkler County$985 to $990
Karnes County$1003 to $1008
Hood County$1043 to $1051
Hopkins County$1013 to $1019
Houston County$1000 to $1005
Howard County$997 to $1002
Hudspeth County$981 to $990
Archer County$1014 to $1026
Anderson County$1007 to $1011
Andrews County$1008 to $1021
Angelina County$1009 to $1012
Aransas County$1026 to $1038
Mason County$1042 to $1068
Marion County$999 to $1008
Martin County$993 to $1012
Mcmullen County$989 to $1012
Madison County$1006 to $1015
Goliad County$1014 to $1027
Gonzales County$1004 to $1011
Gillespie County$1071 to $1087
Glasscock County$1010 to $1039
Gray County$1003 to $1010
Wichita County$1012 to $1015
Wilbarger County$993 to $999
Wharton County$1010 to $1017
Wheeler County$997 to $1006
Willacy County$989 to $993
Brewster County$1020 to $1030
Brown County$1010 to $1014
Parmer County$1011 to $1018
Orange County$1011 to $1014
Palo Pinto County$1009 to $1013
Panola County$1007 to $1012
Parker County$1048 to $1053
Cottle County$983 to $990
Crockett County$988 to $998
Crosby County$991 to $995
Rains County$1011 to $1019
Polk County$1005 to $1010
Pecos County$991 to $998
Presidio County$989 to $1003
Potter County$1009 to $1012
Dallam County$1002 to $1011
Delta County$995 to $1003
Deaf Smith County$1007 to $1012
Crane County$995 to $1003
Culberson County$981 to $995
Bell County$1030 to $1033
Liberty County$1009 to $1012
Limestone County$1009 to $1013
Lipscomb County$1004 to $1012
Live Oak County$1009 to $1015
Llano County$1044 to $1060
Nacogdoches County$1015 to $1021
Motley County$984 to $998
Bee County$1000 to $1007
Morris County$999 to $1008
Moore County$1008 to $1014
Navarro County$1006 to $1010
Donley County$991 to $999
Dimmit County$987 to $994
Dickens County$980 to $991
Dewitt County$1003 to $1010
Denton County$1065 to $1067
Mcculloch County$997 to $1009

Recent home insurance reviews

Company: State Farm,
Location: 2600 Lazy Hollow Dr.

Although I am not a homeowner, I paid renters insurance. However, I am very satisfied with the product. It covers a lot and I got a very decent price, and that included my car and renter’s insurance in one package.

My provider is State Farm, with a monthly premium of $172, and covers car rental, road assistance, and more. Meanwhile, it took me a while to find a good insurance that covers my items for less at a very low monthly premium. Overall, many of the one I tried before were excessive expensive, even though I have an excellent driving records, not tickets, not or any type of traffic violation the other companies charges too much.


Home Insurance Monthly Trends

The below graph compares Texass home median prices against, renters and owners home insurance average rates in Texas.

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