Who Has the Cheapest Homeowners Insurance Quotes in Texas?

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The United States' 2nd most populous state and its 3rd most expensive for homeowners insurance, Texas has a lot of things going for it these days but low home insurance prices are not one of them! The team of analysts here at ValuePenguin recently took a closer look at homeowners insurance rates in TX across almost 300 of the state's cities. And while the state average was $1,639, what we also found was a large disparity between what homeowners pay depending on which part of Texas you call home. Find homeowners insurance using our quote tool above, or keep reading below to see where your town stacks up:

Cheapest Homeowners Insurance Companies in Texas

Our team looked at annual homeowners insurance rates across 29 underwriters in the state of Texas for a sample 10-year old house that was worth $150,000 with a brick veneer. We then averaged the rates across 275 cities and towns by parent company, and then ranked them on price to see which were the best homeowners insurance companies in Texas for cheap rates. We found that Mercury, Allied, The Hartford, AIG, and Allstate had the five best rates. Here are the average annual premiums for the benchmark house for the companies with the eight lowest rates.

In Texas, ValuePenguin found Mercury had the best homeowners insurance rates for a sample policy tested across the state.

For the full list of homeowners insurance companies (grouped by parent or marketing entity), please refer to our table below.

Rank Company Average Annual Rates
1 Mercury $1,109
2 Allied 1,172
3 The Hartford 1,173
4 AIG 1,202
5 Allstate 1,384
6 Safeco 1,398
7 USAA 1,408
8 Nationwide 1,483
9 Texas Windstorm Insurance Association 1,614
10 AAA 1,617
11 Texas FAIR Plan 1,643
12 Travelers 1,758
13 MetLife 1,807
14 Farmers 1,826
15 American Strategic Insurance 1,836
16 Amica 1,851
17 Liberty Mutual 1,863
18 Wright Titus Agency 1,885
19 Foremost 1,969
20 Kemper 1,999
21 Chubb 2,042
22 Texas Farm Bureau 2,101
23 State Farm 2,349
24 Fireman's Fund 2,469
25 Encompass 2,476

Best Homeowners Insurance Rates in Texas: by City

The cities with the cheapest home insurance in Texas are scattered throughout the state but tend to be far away from the Gulf of Mexico (hurricanes and tropical storms) as well as the northern reaches of the state where you start to see more tornado activity. 

El Paso, TX

Recently ranked as the safest large city to raise a family, El Paso sits on the US/Mexico border across from Juarez and only minutes from the New Mexico state line. In addition to being the safest big city in the US, El Paso can now also claim that they have the cheapest home insurance rates in the state of Texas. At $824 per year, residents of El Paso pay 50% less than the state average!

Round Rock, TX

Located 20 miles north of Austin and voted as one of the Top 10 Best Cities for Families in 2010 by Family Circle Magazine, Round Rock is a growing city whose residents support, amongst other things, Dell's international headquarters. In addition to being a great place to raise a young family, Round Rock's homeowners insurance rates are incredibly affordable. The second lowest in TX, those who live in "The Sports Capital of Texas" spend $919 on average each year protecting their home.

San Marcos, TX

Named the fastest growing city in 2013 and 2014 by the US Census Bureau, San Marcos lies 30 miles to the south of Austin and 50 miles northeast of San Antonio. If you're visiting the area you'll find plenty to keep you busy as San Marcos boasts numerous outdoor activities, tons of shopping, rich cultural heritage, and a happening night life. When it comes to homeownership and associated costs, San Marcos is also quite favorable. Insurance rates average $963 per year or 41% cheaper than the average TX town.

Other Cheap Cities for Homeowners Insurance

#5 - College Station - $1,018

#7 - Killeen - $1,032

#8 - Austin- $1,036

#16 - Laredo - $1,117

#22 - San Antonio - $1,152 

Most Expensive Homeowners Insurance in Texas

If you're looking for the priciest home insurance rates anywhere in Texas, then look no further than the coastal cities dotting east and southeast Texas. Residents in the 3 most expensive cities (which we've listed below) pay $2,488 each year to protect their homes, or 52% more than the state average.

Needville, TX

"The Home of Friendly People" as its known around town, Needville is the smallest city inside of our top and bottom 3 with slightly less than 3,000 residents. But regardless of size, there's no hiding the fact that Needville, TX has the highest homeowners insurance rates in The Lone Star State. With rates averaging $2,569 per year, those looking to insure their house in Needville are paying 57% more than average Texas citizen.

Corpus Christi, TX

The 8th largest city in Texas, Corpus Christi is a port city that has earned the nickname "Sparkling City by the Sea" for its favorable year-round weather and scenic setting on the Gulf of Mexico. However, its position on the water means that it's incredibly susceptible to high winds and flooding from any large tropical storms or hurricanes that may blow in off the ocean. Because of this, Corpus Christi has the 2nd highest homeowners insurance costs in the entire state. Premiums are slightly less than Needville at $2,509 per year.

Galveston, TX

Fifty miles southeast of downtown Houston, Galveston is a port city and home base to four Carnival Cruise line ship (Conquest, Ecstasy, Magic, and Triumph) in addition to Royal Caribbean's 'Mariner of the Seas'. Like Corpus Christi, Galveston has no line of defense against big storm rolling in off the Gulf. As such, homeowners insurance prices are significantly higher than the TX state average as residents of Galveston take the brunt of the damage when weather events occur. Premiums for home coverage average $2,384 per year or $199 each month.

Other Expensive Cities for Homeowners Insurance

#9 - Houston - $2,245

#12 - Sugar Land - $2,164

#83 - Wichita Falls - $1,812

#85 - Amarillo - $1,808

Average Cost of Homeowners Insurance in Texas: by City

Here is a list of the 275 cities we looked at throughout Texas. They are ranked from the cheapest annual premium to the most expensive:

ValuePenguin analyzed homeowners insurance data across Texas for a sample policy and residence and found the average homeowners insurance policy costs $1,639.

Rank City Average Annual Premium
1 El Paso $824
2 Round Rock $919
3 San Marcos $963
4 Taylor $987
5 College Station $1,018
6 Seguin $1,025
7 Killeen $1,032
8 Austin $1,036
9 Fredericksburg $1,041
10 Lockhart $1,055
11 Gatesville $1,057
12 Bastrop $1,065
13 Lampasas $1,082
14 Burnet $1,085
15 Floresville $1,085
16 Laredo $1,117
17 Kerrville $1,128
18 Brenham $1,133
19 Giddings $1,133
20 Gonzales $1,133
21 Llano $1,148
22 San Antonio $1,152
23 Marlin $1,156
24 Pleasanton $1,162
25 Caldwell $1,163
26 Eagle Pass $1,166
27 San Saba $1,169
28 Del Rio $1,190
29 Hearne $1,193
30 Rockdale $1,195
31 Carrizo Springs $1,198
32 Mason $1,200
33 Junction $1,207
34 La Grange $1,207
35 Longview $1,207
36 Blanco $1,225
37 Menard $1,227
38 Uvalde $1,228
39 Hondo $1,235
40 Brackettville $1,269
41 Tyler $1,269
42 Nacogdoches $1,273
43 Kenedy $1,279
44 Crystal City $1,280
45 Cuero $1,287
46 Pearsall $1,289
47 Yoakum $1,293
48 Waxahachie $1,300
49 Columbus $1,300
50 Lufkin $1,301
51 Bellville $1,302
52 Bandera $1,318
53 Center $1,332
54 Henderson $1,335
55 Waco $1,342
56 Plano $1,345
57 Carthage $1,349
58 Cotulla $1,352
59 Mexia $1,354
60 Rio Grande City $1,359
61 Rocksprings $1,359
62 Huntsville $1,363
63 Hallettsville $1,365
64 Diboll $1,367
65 Lewisville $1,367
66 Navasota $1,377
67 Athens $1,390
68 Palestine $1,395
69 Freer $1,395
70 Denton $1,397
71 Sealy $1,397
72 Corsicana $1,399
73 Pecos $1,404
74 Fairfield $1,407
75 Mckinney $1,416
76 Alpine $1,423
77 Fort Stockton $1,423
78 Rockwall $1,440
79 Crockett $1,440
80 Presidio $1,446
81 Buffalo $1,449
82 Hemphill $1,459
83 Jacksonville $1,460
84 Hewitt $1,468
85 Livingston $1,469
86 Farmersville $1,482
87 Conroe $1,485
88 Madisonville $1,486
89 Trinity $1,494
90 Eldorado $1,497
91 San Augustine $1,498
92 Jasper $1,511
93 Cleburne $1,516
94 Van Horn $1,518
95 Abilene $1,532
96 Paris $1,532
97 Sonora $1,532
98 Mount Pleasant $1,543
99 Carrollton $1,564
100 Canton $1,565
101 Quitman $1,569
102 Woodville $1,573
103 Leakey $1,578
104 Kaufman $1,578
105 Harlingen $1,584
106 Sherman $1,585
107 Brownwood $1,588
108 Clifton $1,594
109 Hempstead $1,596
110 Stephenville $1,597
111 Sulphur Springs $1,599
112 Granbury $1,600
113 Lubbock $1,601
114 Texarkana $1,605
115 Greenville $1,605
116 Marshall $1,605
117 Cooper $1,606
118 Brady $1,606
119 Comanche $1,618
120 Brownsville $1,620
121 Coleman $1,621
122 Levelland $1,621
123 Seminole $1,624
124 Gilmer $1,624
125 Odessa $1,630
126 Dallas $1,634
127 Eden $1,638
128 Goldthwaite $1,643
129 Desoto $1,646
130 San Benito $1,654
131 Ballinger $1,654
132 Hamilton $1,656
133 Brownfield $1,660
134 Shepherd $1,661
135 Clarksville $1,661
136 Morton $1,668
137 Monahans $1,668
138 San Angelo $1,672
139 Weatherford $1,672
140 Beaumont $1,672
141 Clyde $1,673
142 Lamesa $1,675
143 Plainview $1,679
144 Emory $1,681
145 Raymondville $1,682
146 Pearland $1,683
147 Gainesville $1,684
148 Cisco $1,687
149 Andrews $1,689
150 Corrigan $1,693
151 Newton $1,695
152 Floydada $1,698
153 Dimmitt $1,700
154 Hereford $1,706
155 Midland $1,707
156 Atlanta $1,710
157 Jefferson $1,711
158 Mount Vernon $1,715
159 Friona $1,717
160 Bonham $1,717
161 Kingsville $1,724
162 Nederland $1,725
163 Grand Prairie $1,731
164 Post $1,738
165 Kermit $1,738
166 Littlefield $1,747
167 Big Spring $1,747
168 Spur $1,750
169 Fort Worth $1,751
170 Denver City $1,753
171 Pittsburg $1,754
172 Muleshoe $1,756
173 Dublin $1,758
174 Daingerfield $1,763
175 Whitney $1,765
176 Sweetwater $1,766
177 Bowie $1,766
178 Anderson $1,772
179 Baytown $1,774
180 Lake Jackson $1,774
181 Glen Rose $1,777
182 Paducah $1,783
183 Angleton $1,786
184 Ralls $1,794
185 Tulia $1,796
186 Snyder $1,798
187 North Richland Hills $1,799
188 Alvin $1,803
189 Graham $1,806
190 Refugio $1,806
191 Amarillo $1,808
192 Tahoka $1,811
193 Wichita Falls $1,812
194 Decatur $1,812
195 Big Lake $1,818
196 Memphis $1,819
197 Spearman $1,822
198 Childress $1,824
199 Sinton $1,827
200 Crane $1,830
201 Santa Fe $1,832
202 Port Arthur $1,834
203 Matador $1,834
204 Mineral Wells $1,837
205 Dalhart $1,838
206 Mission $1,841
207 Breckenridge $1,845
208 Silverton $1,849
209 Bay City $1,850
210 Borger $1,856
211 Dumas $1,859
212 Pampa $1,864
213 La Marque $1,866
214 Rotan $1,868
215 Freeport $1,874
216 Vernon $1,876
217 Jacksboro $1,876
218 Stanton $1,883
219 Aspermont $1,888
220 Colorado City $1,889
221 Sterling City $1,890
222 Robert Lee $1,906
223 Clute $1,908
224 Perryton $1,908
225 Shamrock $1,912
226 Haskell $1,918
227 Port Lavaca $1,932
228 Three Rivers $1,950
229 Texas City $1,961
230 Albany $1,965
231 Beeville $1,972
232 Wellington $1,973
233 Alice $1,984
234 Seymour $1,988
235 Portland $1,990
236 Quanah $1,997
237 Panhandle $2,000
238 Stratford $2,004
239 Dickinson $2,006
240 Katy $2,020
241 Miami $2,023
242 Falfurrias $2,027
243 Munday $2,027
244 Anson $2,030
245 Henrietta $2,033
246 Canadian $2,035
247 Mercedes $2,040
248 Claude $2,041
249 Bayside $2,041
250 Clarendon $2,051
251 Vega $2,055
252 Crowell $2,058
253 Throckmorton $2,059
254 Holliday $2,060
255 Aransas Pass $2,070
256 Booker $2,070
257 La Porte $2,075
258 Victoria $2,112
259 Palacios $2,118
260 Rockport $2,121
261 Goliad $2,146
262 Jayton $2,156
263 Silsbee $2,164
264 Sugar Land $2,164
265 Edna $2,211
266 Mertzon $2,215
267 Houston $2,245
268 Orange $2,246
269 Liberty $2,283
270 Robstown $2,292
271 El Campo $2,298
272 Missouri City $2,312
273 Galveston $2,384
274 Corpus Christi $2,509
275 Needville $2,569

Study Methodology

Rates are based on a one year policy term. The hypothetical home is a 10 year old home with brick veneer and is covered up to $150,000. The homeowner has no claims history and above average credit. The annual premium for each city was taken by averaging the rates offered by the 28 companies we looked at as part of the study.

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