Insurance in Texas
Texas auto insurance averages $2,550/year — well above the national average — driven by severe weather including hailstorms and hurricanes, high population density in DFW, Houston, and San Antonio, and a high rate of uninsured drivers.
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All Insurance Types in Texas
Select an insurance type to see Texas-specific rates, requirements, and top providers.
Auto Insurance
- State minimum: 30/60/25
- Fault system: at-fault
- 5% above national average
Homeowners Insurance
- Primary risk: Tornadoes and hail
- 12% above national average
- Avg home value: $300,000
Renters Insurance
- Covers personal belongings
- Liability protection included
- Most affordable coverage type
Life Insurance
- Term & whole life options
- No medical exam options available
- Lock in rates while young
Health Insurance
- ACA marketplace plans
- Employer & individual options
- Covers preventive care
Texas Insurance Rates vs National Average
Annual average rates. Gray bar = national average for comparison.
Texas Insurance Risk Profile
These four risk factors directly influence your insurance premiums in Texas.
Hurricanes, tornadoes, hailstorms, and severe flooding
Houston and DFW rank among worst US traffic cities
Houston and Dallas have elevated vehicle theft rates
Extreme hurricane, tornado, hail, and flood risk
Texas Insurance Facts
Find Insurance by City in Texas
City-level guides with local rates, top providers, and coverage tips.
Compare All Insurance in Texas
Get personalized quotes for auto, home, renters, life, or health insurance from top-rated carriers in Texas. Free, no obligation, takes 2 minutes.
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Frequently Asked Questions — Insurance in Texas
Answers about auto, home, renters, life, and health insurance requirements, costs, and coverage in Texas.
Texas requires all drivers to carry minimum auto insurance of 30/60/25 liability coverage. While homeowners insurance is not mandated by law, mortgage lenders require it as a condition of financing. Renters, life, and health insurance are all voluntary but strongly recommended.
The average full coverage auto insurance rate in Texas is $1,800/year/year. Minimum liability coverage costs significantly less but leaves you underprotected. Rates vary widely by ZIP code, driving record, vehicle, and carrier — compare at least 3–5 quotes to find the best rate.
Home insurance in Texas averages $3,500/year. Key risk factors affecting premiums include Tornadoes and hail. Rates vary significantly by location, home age, coverage amount, and the carrier you choose.
The most effective ways to save on insurance in Texas are: (1) Compare quotes from at least 3–5 carriers. (2) Bundle auto and home or auto and renters insurance for a 10–25% discount. (3) Raise deductibles where you can afford to. (4) Ask about discounts for good driving records, home security systems, or paying annually.
Top-rated carriers in Texas include State Farm, GEICO, Progressive. The best company for you depends on which insurance type you're shopping for and your specific risk profile. Always compare quotes because the same carrier can be the cheapest for one driver and expensive for another.
Texas does not legally require renters insurance, but many landlords require it as a lease condition. At an average of just $150–220/year, renters insurance protects your personal belongings and provides liability coverage — making it one of the best value insurance products available.