The average homeowners insurance in Texas is $4,085 per year — that's 61% above the U.S. average of $2,543, the 7th most expensive of 51 states.
| Texas average | $4,085 per year |
|---|---|
| U.S. average | $2,543 per year |
| Difference | +61% (+$1,542/yr) |
| Rank (most expensive) | 7th of 51 |
Texas sits in the South and ranks 7th of 51 for home insurance cost. The main driver is hurricanes on the coast, hail and tornadoes inland — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
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The levers that move your rate the most: raising your deductible; bundling home and auto with one carrier; adding wind/hail mitigation or a newer roof; asking about every discount (claims-free, security system, new-buyer). The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Texas Home Insurance Rates — Free, 2 Minutes →The average homeowners insurance in Texas is about $4,085 per year as of 2026 — 61% above the national average of $2,543 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Texas ranks 7th out of 51 for home insurance cost. Rates run high largely because of hurricanes on the coast, hail and tornadoes inland.
The fastest levers: raising your deductible, bundling home and auto with one carrier, adding wind/hail mitigation or a newer roof. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.