Who Has the Cheapest Homeowners Insurance Quotes in Texas?

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
• Best Homeowners Insurance Rates in Texas: by City
• Average Cost of Homeowners Insurance: by City
• Methodology

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.

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

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:

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.