Who Has The Cheapest Renters Insurance in Texas?

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We evaluated renters insurance rates in 182 cities throughout Texas to determine which cities have the highest and lowest annual renters insurance costs.

On average, Texans pay about $431 per year for renters insurance with $30,000 in personal property coverage.

Of the companies we surveyed, Liberty Mutual offered the cheapest renters insurance. Read our profile of Texas's most affordable renters insurance companies, or use our quote tool above to find renters insurance coverage in your area.

Cheapest Renters Insurance Companies in Texas

We collected quotes from five renters insurance providers to determine which company has the cheapest cost of coverage in Texas.

Overall, the cost of renters insurance in Texas is more expensive than the average cost of coverage in the United States.

The following graph displays the average annual costs of renters insurance along with the statewide average:

A bar graph showing the average costs of renters insurance in Texas
A bar graph showing the average costs of renters insurance in Texas

Find Cheap Renters Insurance Quotes in Your Area

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Top 5 Least Expensive Cities for Renters Insurance in Texas

1. Cedar Park, TX

Cedar Park had the most affordable renters insurance rates of the cities we surveyed.

Residents of Cedar Park pay an average annual renters insurance cost of $331, which is 23% less than the Texas average.

We calculated that the annual cost of renters insurance in Cedar Park varies by about $314. Liberty Mutual had the most affordable rates at $213 per year, which is $118 less than the city’s average.

A bar graph showing the average costs of renters insurance in Cedar Park, Texas
A bar graph showing the average costs of renters insurance in Texas

2. Alpine, TX

Alpine had the second most affordable renters insurance rates in Texas. We figured that the average annual cost for renters insurance in Alpine is $337, around 22% cheaper than Texas's average.

Farmers was the cheapest renters insurance provider in Alpine. Though Farmers was typically the most expensive insurer in the state, in Alpine it sold coverage for just $249.

A bar graph showing the average costs of renters insurance in Alpine, Texas
A bar graph showing the average costs of renters insurance in Alpine, Texas

3. Georgetown, TX

On average, tenants in Georgetown pay $342 annually for their renters insurance, the third-cheapest price in our survey. This rate is about $90 less than the state's mean.

Liberty Mutual was the cheapest provider in the city, selling policies for $213 per year. However, State Farm offered coverage for only a few dollars more per year than Liberty Mutual.

A bar graph showing the average costs of renters insurance in Georgetown, Texas
A bar graph showing the average costs of renters insurance in Georgetown, Texas

4. Boerne, TX

The average annual renters insurance premium in Boerne was $344. This is about $90 less than the state's average.

If you're looking for the cheapest renters insurance in Boerne, the most affordable quote came from Liberty Mutual, which sells coverage for $213.

A bar graph showing the average costs of renters insurance in Boerne, Texas
A bar graph showing the average costs of renters insurance in Boerne, Texas

5. Fredericksburg, TX

Fredericksburg was the fifth most affordable city in Texas for renters insurance. Based on our study, residents pay about $345 for coverage, 20% less than Texas's average.

If you’re looking for cheap renters insurance in Fredericksburg, we recommend starting with Liberty Mutual, which quoted us an annual rate of $213. State Farm also gave us a price just $15 greater than Liberty Mutual's.

A bar graph showing the average costs of renters insurance in Fredericksburg, Texas
A bar graph showing the average costs of renters insurance in Fredericksburg, Texas

Top 5 Most Expensive Cities for Renters Insurance in Texas

1. Tomball, TX

Tomball is the most expensive city for renters insurance in Texas. Residents here pay an average of $574 for renters insurance, which is 33% more expensive than the state's average.

Nationwide offered the cheapest renters insurance in the city, charging an annual rate of $325. On the other hand, coverage from Farmers came at about $1,021, over three times more expensive than Nationwide.

A bar graph showing the average costs of renters insurance in Tomball, Texas
A bar graph showing the average costs of renters insurance in Tomball, Texas

2. Floydada, TX

The most affordable renters insurance rate in Floydada came from Nationwide at an annual cost of $287.

According to our study, the average cost of renters insurance here was $559, which is 30% more than Texas' average quote.

A bar graph showing the average costs of renters insurance in Floydada, Texas
A bar graph showing the average costs of renters insurance in Floydada, Texas

3. Daingerfield, TX

We found that the annual cost of renters insurance in Daingerfield can varied by as much as $680 depending on the provider. On average, residents pay $555 per year, which is a 29% increase from than the state mean.

Despite the average cost in Daingerfield, residents can still find cheap coverage. Liberty Mutual's renters insurance carried a price of about $350 — cheaper than Texas's mean.

A bar graph showing the average costs of renters insurance in Daingerfield, Texas
A bar graph showing the average costs of renters insurance in Daingerfield, Texas

4. Emory, TX

Based on our research, Emory was the fourth most expensive city for renters insurance in the state of Texas, with an average renters insurance cost of $542.

The cheapest rate in the city of Emory came from Nationwide at $304 per year. This is over $100 cheaper than the average cost of coverage in Texas.

A bar graph showing the average costs of renters insurance in Emory, Texas
A bar graph showing the average costs of renters insurance in Emory, Texas

5. Orange, TX

Nationwide was least expensive renters insurance rate in Orange at $336 annually. However, Liberty Mutual offered renters insurance for only $1 more expensive than Nationwide.

Renters in Orange pay 25% more for renters insurance when compared to the state mean, or about $540 per year.

A bar graph showing the average costs of renters insurance in Orange, Texas
A bar graph showing the average costs of renters insurance in Orange, Texas

Texas's renters insurance rates: city-by-city breakdown

We compiled an alphabetical list of all the cities included in our analysis. After finding the average cost of coverage, we compared the price in each city with the statewide cost of coverage for renters insurance. Our findings are displayed here:

CityAverage cost ($)% from TX average
Albany4576%
Alice4668%
Allen380-12%
Alpine337-22%
Amarillo398-8%
Andrews4351%
Arlington383-11%
Athens4668%
Austin387-10%
Bandera4341%
Bastrop364-15%
Beeville49615%
Big Lake4719%
Big Spring4423%
Blanco366-15%
Boerne344-20%
Bonham4668%
Borger400-7%
Bowie393-9%
Brady4351%
Breckenridge422-2%
Brenham391-9%
Brownfield50517%
Brownwood394-9%
Bryan347-20%
Bullard4699%
Burleson4310%
Burnet368-15%
Caldwell390-10%
Cameron371-14%
Canyon398-8%
Carrizo Springs418-3%
Cedar Park331-23%
Chandler49314%
Clarendon48412%
Cleburne380-12%
Clifton4290%
Coleman4300%
Colorado City47410%
Columbus4504%
Coppell4668%
Copperas Cove410-5%
Crawford4320%
Crockett4535%
Crystal City4525%
Cuero375-13%
Daingerfield55529%
Dalhart415-4%
Dallas399-7%
De Leon411-5%
Decatur4545%
Del Rio428-1%
Denton355-18%
Diboll48512%
Dublin4453%
Dumas400-7%
Eagle Lake408-5%
Campo48312%
El Paso421-2%
Eldorado417-3%
Elgin365-15%
Emory54226%
Ennis422-2%
Fairfield49515%
Farmersville364-16%
Ferris4392%
Floresville362-16%
Floydada55930%
Fort Stockton4443%
Fort Worth48513%
Fredericksburg345-20%
Friona51620%
Frisco364-16%
Gainesville421-2%
Gatesville366-15%
Georgetown342-21%
Gilmer48613%
Goldthwaite423-2%
Graford4678%
Graham4382%
Granbury354-18%
Greenville4402%
Groesbeck48913%
Hamilton4423%
Hearne392-9%
Henderson53725%
Hondo4423%
Houston53223%
Howe51920%
Huntsville4617%
Hutto347-19%
Ingram4361%
Italy48112%
Jacksboro426-1%
Jacksonville4709%
Jasper52622%
Johnson City383-11%
Junction375-13%
Karnes City378-12%
Kaufman49515%
Keller396-8%
Kerrville389-10%
Kilgore52121%
Killeen373-14%
Kyle353-18%
La Grange374-13%
Lamesa52722%
Lampasas387-10%
Laredo47510%
Leander369-14%
Lewisville355-18%
Lindale4607%
Little Elm366-15%
Llano370-14%
Lockhart368-15%
Longview4525%
Lubbock48212%
Lufkin4494%
Lumberton53524%
Mansfield4320%
Marble Falls396-8%
Marlin371-14%
Marshall4576%
McAllen51319%
McGregor390-9%
McKinney363-16%
Mesquite4709%
Midland426-1%
Mineral Wells422-2%
Mission52823%
Mount Pleasant47711%
Mount Vernon48011%
Muleshoe51920%
Nacogdoches4422%
Navasota50216%
New Braunfels346-20%
Odessa421-2%
Olney424-2%
Orange54025%
Pampa418-3%
Paris48813%
Pecos4310%
Pflugerville403-6%
Pilot Point350-19%
Pittsburg49014%
Plainview49615%
Plano400-7%
Pleasanton398-8%
Princeton401-7%
Rockdale369-14%
Round Rock346-20%
Rowlett4453%
Rusk47410%
Salado377-13%
San Angelo422-2%
San Marcos379-12%
Sealy4392%
Seguin382-11%
Seminole49916%
Sherman4607%
Smithville370-14%
Spearman426-1%
Stephenville394-9%
Sulphur Springs4648%
Sweetwater48913%
Taylor385-11%
Temple363-16%
Terrell4412%
Texarkana4576%
Tomball57433%
Tyler4617%
Victoria52622%
Waco367-15%
Waxahachie47811%
Weatherford382-11%
Westlake4320%
Wharton53223%
Whitehouse50718%
Wichita Falls4484%
Wills Point50617%
Wimberley369-14%
Wylie383-11%

What Does Renters Insurance Cover in Texas?

Renters insurance in Texas, as it does elsewhere, provides financial protection through four main types of coverage:

  • Personal property coverage: Your renters insurance will reimburse you for the cost of replacing them up to your policy's limits if your personal belongings are damaged or destroyed by a covered peril, provided your claim is approved by your insurer. Common covered perils may include theft, vandalism or fire damage. If you live in an area prone to insurance perils, your premiums could be higher than those of policyholders in other places.
  • Personal liability coverage: If you're deemed responsible and sued, your liability provision covers the costs of injuries to others and the cost of your legal defense. We recommend a renters insurance policy with at least $100,000 in liability protection.
  • Additional living expenses (ALE) coverage: This feature of your renters insurance covers expenses if you're unable to live in your rental home or apartment due to a covered event. This coverage is also known as loss of use. For example, if you live in Dallas and a fire renders your apartment uninhabitable, ALE will cover the costs of staying in a hotel nearby up to specified dollar and time limits.
  • Medical payments coverage: This part of your renters insurance policy covers a limited amount of medical costs if a guest is injured on your property.

Renters insurance is not required by law in Texas, so you typically won't have to buy coverage unless you want to. However, landlords can require you to purchase renters insurance as a condition of your lease.

In any case, we generally recommend that Texas renters purchase tenants insurance given its affordability and the protection it offers.

Methodology

We gathered quotes for 182 cities spread out across Texas. We shopped for a policy with $30,000 of personal property coverage and $100,000 of liability protection.

We obtained renters insurance quotes from:

  • State Farm
  • Farmers
  • Allstate
  • Liberty Mutual
  • Nationwide

After collecting quotes from each company for each city, we averaged the rates to get a mean value for the company and for every city. Because the cost of your renters insurance depends on, among other factors, your personal insurance history and your home's location, your rates may be different from ours.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.