Average insurance rates across 317 cities in Texas
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Houston | 2,320,268 | $2,866 | $1,866 | $562/mo | $19/mo |
| San Antonio | 1,547,253 | $2,740 | $1,784 | $559/mo | $18/mo |
| Dallas | 1,343,573 | $3,024 | $1,968 | $567/mo | $20/mo |
| Austin | 978,908 | $3,056 | $1,988 | $567/mo | $20/mo |
| Fort Worth | 918,915 | $2,898 | $1,886 | $563/mo | $19/mo |
| El Paso | 678,815 | $2,646 | $1,722 | $556/mo | $18/mo |
| Arlington | 394,266 | $2,930 | $1,906 | $564/mo | $20/mo |
| Corpus Christi | 317,863 | $2,709 | $1,763 | $558/mo | $18/mo |
| Plano | 285,494 | $3,150 | $2,050 | $570/mo | $21/mo |
| Lubbock | 280,890 | $2,866 | $1,866 | $562/mo | $19/mo |
| Irving | 256,684 | $3,024 | $1,968 | $567/mo | $20/mo |
| Laredo | 255,205 | $2,583 | $1,681 | $555/mo | $17/mo |
| Garland | 246,018 | $2,992 | $1,948 | $566/mo | $20/mo |
| College Station | 213,177 | $2,866 | $1,866 | $562/mo | $19/mo |
| Frisco | 200,509 | $3,213 | $2,091 | $572/mo | $21/mo |
Texas residents pay an average of $3,150 per year for home insurance and $2,050 for auto insurance. Texas follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 30/60/25.
Health insurance in Texas averages $570 per month for an individual Silver marketplace plan. The weather risk level is high, with significant exposure to hurricanes. Top insurance providers in Texas include State Farm, Allstate, USAA.
The average home insurance cost in Texas is $3,150 per year. Rates range from $2,000 to $4,600 depending on home value, location, and coverage level.
Auto insurance in Texas averages $2,050 per year for full coverage. The state minimum coverage is 30/60/25.
Yes, Texas has above-average insurance costs, with home insurance at $3,150/yr and auto at $2,050/yr compared to national averages of $2,300 and $1,800 respectively.
Texas requires minimum liability coverage of 30/60/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.