Who Has The Cheapest Renters Insurance Quotes in Texas?

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They say in the Lone Star State "Everything's bigger in Texas." Well we can't speak to everything, but our study showed renters insurance premiums in Texas are relatively big - especially for some tenants more than others. Our study evaluated quotes for a model home (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage) from five major insurance carriers. We then averaged rates in each of 218 cities to get a benchmark cost. Based on these quotes for our study’s sample home, we found the most expensive city in Texas costs 74% more than the cheapest in our analysis. This isn't what all Texans will pay -- you'll have to enter your zip code above to begin shopping for low rates from a list of low-cost insurers.

Cheapest Renters Insurance in Texas

To find the cheapest renters insurance in Texas, we collected quotes from State Farm, Allstate, Liberty Mutual, Farmers, and Nationwide. The most affordable renters insurance in Texas was Nationwide, which had an annual rate of $276 for our sample renters policy for a 1,000 square-foot residence. Nationwide’s annual rate was about 39% cheaper than the average rate. The following table ranks the annual rates for five major renters insurance companies from most affordable to least affordable for our example unit. The quotes you'll get will differ based on the coverage and type of rental you're insuring.

RankCompanyAnnual Rate
1 Nationwide $276
2 Allstate 376
3 Liberty Mutual 409
4 State Farm 417
5 Farmers 769
Average 449

Best Renters Insurance Rates in Texas: by City

The range of costs to insure our sample property in Texas is considerably wider than the range in other states. Our analysis showed the most expensive city in Texas costs 74% more than the cheapest and an identical study and sample home in Ohio, for example, showed a difference of 42%. Not surprisingly, the five cheapest places in Texas are located inland (versus near the coast of the Gulf of Mexico) and outside the major urban centers.

RankCityAverage Annual Rates% Difference vs State Average
1 San Marcos  $343 -23.9%
2 Cedar Park  345 -23.5%
3 Georgetown  345 -23.5%
4 Granbury  345 -23.5%
5 New Braunfels  348 -22.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

San Marcos, TX

The city is in the Interstate 35 corridor, right between Austin and San Antonio. It has a population of close to 60,000 residents and is home to Texas State University and the cheapest renters insurance in Texas according to our study. The rate for our sample property was 23.9% cheaper than the sample residence average for the state.

Cedar Park, TX

This city of more than 61,000 residents is a major suburb of Austin. It has more than 927 acres of parks and natural areas and approximately 22 miles of trails for walking, running, bicycling and other activities. It has the second cheapest renters insurance, based on our study, with a rate 23.5% cheaper than state.

Georgetown, TX

Georgetown is a city just north of Round Rock and Austin. It has a population of about 47,400 residents and is home a number park and golf courses. Renters insurance rates in Georgetown are 23.5% lower than the sample property’s state mean.

Granbury, TX

Founded in 1887, Granbury is a city of nearly 8,000 southwest of Fort Worth. Davy Crockett’s wife, Elizabeth, settled in Hood County (where Granbury is located) along with other family members of those killed during the 1836 Battle of The Alamo. Renters insurance rates in Granbury also are 23.5% cheaper than the state.

New Braunfels, TX

New Braunfels was established in 1845 just outside northeast San Antonio. Today, the city has a population of about 66,000 residents and offers museums, restaurants and outdoor recreation. It has renters insurance rates that 22.8% more affordable than the sample property mean for the state.

Most Expensive Renters Insurance in Texas

The most expensive places to have renters insurance in Texas are all on or relatively near the Gulf of Mexico, where they might be subject to hurricanes and tropical storms. The cost of premiums is as much as 35% more than the benchmark rate for the state, a high percentage comparable to others. This difference, while significantly higher, is still not as drastic as other states. 

RankCityAverage Annual Rate% Difference vs State Average
1 Houston $601 35.0%
2 Pasadena 597 33.3%
3 Katy 595 32.4%
4 Daingerfield 587 31.9%
5 Friendswood 582 30.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Houston, TX

The large city of roughly 2.1 million residents is recognized worldwide as a major energy hub, especially for oil and gas. It’s home to professional sports teams, the Johnston Space Centers and Christopher C. Kraft Jr. Mission Control, The University of Houston and Rice University. Renters insurance rates are 35% costlier in Houston than the model home we evaluated across the state.

Pasadena, TX

Located on the Gulf of Mexico, Pasadena also is within the Metropolitan area of Houston and known for its importance to the oil and gas industry. Boeing, the airplane, rocket and satellite manufacturer, also employees a large number of people in Pasadena. The city of about 154,000 residents has renters insurance rates that are 33.3% higher than our study’s sample property rate for the state.

Katy, TX

A city of only 14,000 residents, Katy is directly west of Houston and home to the headquarters of Igloo and BP America. Academy Award winning actress Renee Zellweger is from Katy. With renters insurance rates 32.4% higher than the profiled property mean for the state, the city has the fourth most expensive costs. 

Daingerfield, TX

The smallest of our study’s top five most expensive cities for renters insurance has a population of about 2,500 residents. The beautiful Daingerfield State Park is located there. Renters insurance rates in the city are 31.9% above the benchmarkmean we calculated for the state of Texas.

Friedswood, TX

Friedswood has been recognized by numberous publications and studies as one of the best places to live in the U.S., including being named one of the "Best Affordable Suburbs in the United States" by Business Week magazine. It was founded by Quakers in the late 19th century and has a population of roughly 36,000 residents today. It also has some of the most expensive renters insurance premiums in Texas, with quotes for our sample property 30.2% higher than the average for the state.

Average Renters Insurance Rates in Texas: by City

We collected hundreds of renters insurance quotes for our benchmark property across 218 places in Texas. The sample 1,000-square-foot property we used for all cities and towns in Texas was used to determine a mean annual cost of $451, derived from quotes of five major carriers in the state. The range of rates in the state of Texas is significant; the most expensive premiums were 74% higher than the cheapest. That difference is quite drastic or mild, depending on the state you compare Texas to. For example, premiums in the most expensive place in Delaware are only 7% higher than the cheapest, while rates in California are more than 2x the cost of the cheapest. Below, we’ve shown the cities from the cheapest to the most expensive.

This graph shows how the cost of renters insurance can vary in Texas based on where renters live (ranked from the cheapest to the most expensive)

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that benchmark residence from five of the major carriers that offer a renters insurance product in the state of Texas. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those are comparative values, and not actual premiums tenants can expect to pay for annual coverage. Based on a thousand plus quotes for our study's sample home, we found that the most expensive city cost 42% higher than the cheapest spot in our analysis. Here is the list of the cities in alphabetical order:

RankCityAverage annual rate% Difference vs City Avg
152 Albany $486 7.8%
179 Alice 507 12.4%
44 Allen 381 -15.5%
116 Alvin 459 1.8%
68 Amarillo 415 -8.0%
117 Andrews 460 2.0%
128 Angleton 468 3.8%
161 Aransas Pass 493 9.3%
158 Athens 490 8.6%
57 Austin 401 -11.1%
113 Bandera 456 1.1%
34 Bastrop 374 -17.1%
167 Bay City 495 9.8%
182 Baytown 516 14.4%
111 Beaumont 454 0.7%
189 Beeville 526 16.6%
175 Big Lake 503 11.5%
132 Big Spring 471 4.4%
96 Blanco 441 -2.2%
6 Boerne 350 -22.4%
156 Bonham 489 8.4%
76 Borger 422 -6.4%
77 Bowie 422 -6.4%
112 Brady 454 0.7%
97 Breckenridge 443 -1.8%
45 Brenham 381 -15.5%
210 Bridge City 563 24.8%
199 Brownfield 546 21.1%
176 Brownsville 504 11.8%
64 Brownwood 409 -9.3%
8 Bryan 352 -22.0%
141 Bullard 478 6.0%
118 Burleson 460 2.0%
39 Burnet 377 -16.4%
53 Caldwell 394 -12.6%
31 Cameron 372 -17.5%
71 Canyon 417 -7.5%
82 Carrizo Springs 428 -5.1%
2 Cedar Park 345 -23.5%
205 Chandler 555 23.1%
162 Clarendon 493 9.3%
54 Cleburne 394 -12.6%
200 Cleveland 550 22.0%
84 Clifton 430 -4.7%
186 Clute 522 15.7%
109 Coleman 453 0.4%
172 Colorado City 498 10.4%
55 Columbus 399 -11.5%
143 Coppell 479 6.2%
12 Copperas Cove 356 -21.1%
78 Corsicana 422 -6.4%
79 Crawford 423 -6.2%
136 Crockett 474 5.1%
99 Crystal City 444 -1.6%
32 Cuero 372 -17.5%
214 Daingerfield 587 30.2%
94 Dalhart 440 -2.4%
101 Dallas 445 -1.3%
83 De Leon 428 -5.1%
75 Decatur 420 -6.9%
91 Del Rio 437 -3.1%
24 Denton 367 -18.6%
168 Diboll 495 9.8%
72 Dublin 418 -7.3%
85 Dumas 431 -4.4%
58 Eagle Lake 402 -10.9%
180 El Campo 507 12.4%
107 El Paso 451 0.0%
87 Eldorado 436 -3.3%
33 Elgin 373 -17.3%
191 Emory 527 16.9%
88 Ennis 436 -3.3%
204 Fairfield 553 22.6%
16 Farmersville 362 -19.7%
110 Ferris 453 0.4%
30 Floresville 371 -17.7%
207 Floydada 557 23.5%
93 Fort Stockton 438 -2.9%
135 Fort Worth 473 4.9%
184 Frankston 519 15.1%
14 Fredericksburg 359 -20.4%
213 Friendswood 582 29.0%
208 Friona 557 23.5%
26 Frisco 368 -18.4%
81 Gainesville 427 -5.3%
36 Gatesville 375 -16.9%
3 Georgetown 345 -23.5%
181 Gilmer 508 12.6%
102 Goldthwaite 445 -1.3%
21 Gonzales 365 -19.1%
173 Graford 499 10.6%
92 Graham 437 -3.1%
4 Granbury 345 -23.5%
127 Greenville 467 3.5%
190 Groesbeck 526 16.6%
89 Hamilton 436 -3.3%
140 Harlingen 477 5.8%
49 Hearne 384 -14.9%
137 Henderson 474 5.1%
154 Hondo 487 8.0%
217 Houston 601 33.3%
187 Howe 522 15.7%
144 Huntsville 479 6.2%
11 Hutto 355 -21.3%
114 Ingram 456 1.1%
125 Italy 466 3.3%
105 Jacksboro 447 -0.9%
157 Jacksonville 489 8.4%
177 Jasper 504 11.8%
50 Johnson City 384 -14.9%
51 Junction 388 -14.0%
38 Karnes City 376 -16.6%
215 Katy 595 31.9%
169 Kaufman 495 9.8%
106 Keller 447 -0.9%
60 Kerrville 404 -10.4%
142 Kilgore 478 6.0%
9 Killeen 352 -22.0%
165 Kingsville 494 9.5%
46 Kyle 381 -15.5%
29 La Grange 370 -18.0%
195 Lamesa 538 19.3%
66 Lampasas 413 -8.4%
70 Laredo 416 -7.8%
18 Leander 363 -19.5%
15 Lewisville 359 -20.4%
56 Lexington 399 -11.5%
148 Lindale 481 6.7%
40 Little Elm 378 -16.2%
63 Llano 407 -9.8%
27 Lockhart 368 -18.4%
119 Longview 460 2.0%
185 Lubbock 521 15.5%
129 Lufkin 469 4.0%
203 Lumberton 552 22.4%
170 Mabank 495 9.8%
126 Mansfield 466 3.3%
19 Marble Falls 363 -19.5%
73 Marfa 419 -7.1%
47 Marlin 381 -15.5%
133 Marshall 471 4.4%
37 Mason 375 -16.9%
206 McAllen 555 23.1%
61 McGregor 404 -10.4%
25 McKinney 367 -18.6%
149 Mesquite 482 6.9%
108 Midland 451 0.0%
98 Mineral Wells 443 -1.8%
202 Mission 551 22.2%
150 Montgomery 483 7.1%
163 Mount Pleasant 493 9.3%
174 Mount Vernon 499 10.6%
209 Muleshoe 561 24.4%
120 Nacogdoches 460 2.0%
159 Navasota 490 8.6%
171 Nederland 497 10.2%
5 New Braunfels 348 -22.8%
86 Odessa 431 -4.4%
103 Olney 446 -1.1%
201 Orange 550 22.0%
104 Ozona 446 -1.1%
178 Palacios 504 11.8%
151 Palestine 483 7.1%
100 Pampa 444 -1.6%
164 Paris 493 9.3%
216 Pasadena 597 32.4%
166 Pearland 494 9.5%
74 Pecos 419 -7.1%
67 Pflugerville 413 -8.4%
35 Pilot Point 374 -17.1%
193 Pittsburg 533 18.2%
194 Plainview 534 18.4%
22 Plano 365 -19.1%
69 Pleasanton 415 -8.0%
17 Princeton 362 -19.7%
192 Robstown 530 17.5%
52 Rockdale 388 -14.0%
23 Rockwall 366 -18.8%
147 Rosenberg 480 6.4%
7 Round Rock 351 -22.2%
122 Rowlett 462 2.4%
198 Rusk 539 19.5%
41 Salado 378 -16.2%
115 San Angelo 456 1.1%
183 San Antonio 517 14.6%
1 San Marcos 343 -23.9%
80 San Saba 423 -6.2%
62 Sealy 405 -10.2%
13 Seguin 356 -21.1%
196 Seminole 538 19.3%
138 Sherman 475 5.3%
211 Silverton 564 25.1%
43 Smithville 380 -15.7%
197 Snyder 538 19.3%
95 Spearman 440 -2.4%
59 Stephenville 403 -10.6%
160 Sulphur Springs 490 8.6%
139 Sweetwater 475 5.3%
10 Taylor 354 -21.5%
20 Temple 363 -19.5%
153 Terrell 486 7.8%
134 Texarkana 472 4.7%
124 The Woodlands 465 3.1%
212 Three Rivers 565 25.3%
218 Tomball 609 35.0%
155 Tyler 487 8.0%
121 Uvalde 460 2.0%
123 Van Horn 462 2.4%
145 Victoria 479 6.2%
42 Waco 379 -16.0%
90 Waxahachie 436 -3.3%
65 Weatherford 410 -9.1%
130 Westlake 470 4.2%
146 Whitehouse 479 6.2%
131 Wichita Falls 470 4.2%
188 Wills Point 523 16.0%
28 Wimberley 368 -18.4%
48 Wylie 383 -15.1%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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