Below are key tips to help you shop for homeowners insurance in Texas and save money:
Texas Homeowners Insurance Calculator
Updated: March 20, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Apr 23, 2025
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Key Takeaways
Texas home insurance costs an average of $5,989 per year, with annual rates ranging from $2,151 to $19,040, depending on various factors.
Your credit score, claims history, home construction details, location, coverage and chosen provider affect your home insurance rates the most.
To find the best home insurance in Texas, determine your coverage needs, research providers and costs, and gather multiple quotes.
How to Calculate Texas Home Insurance Costs and Save Money
Decide on your coverage
Insurance agents often sell unnecessary coverage to earn higher commissions. Knowing your coverage needs beforehand helps you avoid this and provides a baseline for comparing costs and quotes.
Research costs and discounts
Researching average home insurance costs in Texas helps you compare rates and see potential savings for your profile. Check for discounts you may qualify for and ask providers about them, as agents might not always apply every discount available.
Research the most affordable providers
Once you know your coverage needs and expected costs, start searching for the cheapest homeowners insurance provider in Texas. This helps you focus on top providers that match your needs.
Compare providers through multiple avenues
After identifying affordable providers, gather quotes using multiple methods such as online tools, brokers and agents to ensure you find the best deal. Prices vary based on how you compare.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Texas, with rates varying by up to 117%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | El Paso | $227 | $2,728 |
| Highest | Corpus Christi | $1,242 | $14,903 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Texas home insurance rates, averaging from $2,677 to $19,040 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | $2,000 | $223 | $2,677 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | $500 | $1,587 | $19,040 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Texas homeowners insurance rates, averaging from $179 to $588 per month. These factors affect replacement costs and the risk of damage or theft, leading to significant rate differences.
| Lowest | New | Superior | Tile | $179 | $2,151 |
| Highest | Old | Frame | Shake-Treated | $588 | $7,058 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Texas home insurance rates, with prices ranging from 49% below to 70% above the state average.
| Lowest | Farmers | $240 | $2,884 |
| Highest | IAT | $807 | $9,684 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 67%, with annual average rates ranging from $4,640 to $13,680.
| Lowest | Excellent | $387 | $4,640 |
| Highest | Poor | $1,140 | $13,680 |
How Much Does Claims History Affect Home Insurance Costs?
In Texas, claims history has a smaller impact on homeowners insurance premiums than other factors, affecting rates by up to 19% or about $1,304 annually. Filing more claims increases perceived risk, leading to higher premiums.
| Lowest | Claim free for 5+ years | $475 | $5,705 |
| Highest | 2 claims in past 5 years | $691 | $8,297 |
Texas Home Insurance Calculator: Bottom Line
Home insurance costs depend on several factors, with location and coverage level being the most important. To secure the best rates, research your needs and average prices, then use our estimate tool to find the best deal.
Homeowners Calculator Insurance Texas: FAQ
The cost of homeowners insurance in Texas depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Texas?
Texas' average monthly home insurance cost is $499 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Texas Home Insurance Estimates
To determine the average cost of homeowners insurance in Texas, MoneyGeek sourced pricing data from Quadrant Information Services.
MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance. This standard home profile consists of the following attributes:
- Construction year: 2000
- Construction type: Frame
- Composition roof
- 3 protection class
- Good credit
- Dwelling limit: $250K
- Personal Property: $125K
- Liability limit: $100K
- Deductible: $1,000
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.