Home insurance cost in Texas
About $4,915 a year, or $410 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$4,915
a year
A month
$410
Rank
47 of 51
1 = cheapest; +97% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Alabama | $4,285 | 45 |
| Mississippi | $4,445 | 46 |
| Texas | $4,915 | 47 |
| Arkansas | $4,955 | 48 |
| Kansas | $5,455 | 49 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Texas?
About $4,915 a year, or $410 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Texas expensive?
Texas ranks 47 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Texas: monthly budget · take-home pay · rent.