Average home insurance cost in Texas
Texas is one of the most expensive states in America for home insurance, ranking #47 of 51. The average policy runs about 97% above the national average — an extra $2,425 a year, a premium insurers charge for the state's severe-weather claim history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Texas compares with its neighbors
| State | Annual premium | Difference vs TX |
|---|---|---|
| Texas | $4,915 | — |
| Oklahoma | $7,255 | +$2,340/yr |
| Louisiana | $2,020 | −$2,895/yr |
| New Mexico | $2,800 | −$2,115/yr |
| Arkansas | $4,955 | +$40/yr |
Texas home insurance FAQ
How much is homeowners insurance in Texas?
Home insurance in Texas averages $4,915 per year — about $410 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Texas more expensive than average?
Yes. Texas's average of $4,915/year runs about 97% above the U.S. average of $2,490/year, ranking #47 of 51 (1 = cheapest).
How can I lower my home insurance bill in Texas?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.