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Renters and home insurance rates in Texas

The NAIC's published average premiums for Texas by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value. Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year
$199
average homeowners premium (HO-3), per year
$2,397
renter households
4,023,511

By county

Harris County781,714$1,349$255,000
Dallas County478,237$1,469$277,900
Tarrant County312,653$1,447$294,100
Bexar County302,765$1,290$244,100
Travis County263,736$1,669$487,600
Collin County143,751$1,792$447,600
Denton County120,115$1,642$403,400
El Paso County107,636$1,045$167,300
Hidalgo County85,653$925$124,000
Williamson County79,579$1,720$414,600
Montgomery County66,580$1,471$317,500
Fort Bend County63,338$1,770$350,300
Bell County60,749$1,168$221,100
Lubbock County55,454$1,134$199,600
Nueces County52,467$1,224$194,700
Cameron County47,081$899$120,000
Brazos County47,043$1,160$279,700
Galveston County45,075$1,360$284,900
McLennan County37,263$1,106$219,200
Jefferson County35,734$1,079$159,600
Brazoria County34,104$1,410$276,800
Hays County33,912$1,417$371,400
Webb County28,731$997$178,900
Smith County25,074$1,197$220,800
Ector County22,205$1,284$190,500
Taylor County21,886$1,111$190,300
Midland County21,322$1,383$293,000
Gregg County19,175$1,072$185,800
Wichita County18,842$972$141,600
Potter County18,414$989$134,900
Randall County17,501$1,119$227,500
Grayson County17,421$1,178$228,300
Ellis County16,352$1,449$306,400
Johnson County16,203$1,343$254,600
Comal County15,660$1,460$398,800
Tom Green County15,287$1,125$186,700
Guadalupe County13,551$1,439$285,900
Bowie County12,983$966$161,300
Angelina County11,488$1,056$149,800
Victoria County11,066$1,151$197,600
Hunt County10,969$1,184$210,900
Walker County10,793$986$207,900
Kaufman County10,641$1,408$290,800
Coryell County10,606$1,120$177,400
Nacogdoches County10,541$923$158,200
Parker County9,719$1,440$343,600
Bastrop County8,539$1,342$269,500
San Patricio County8,244$1,239$180,400
Orange County7,955$1,018$163,400
Henderson County7,658$978$189,600
Rockwall County6,890$1,899$386,000
Lamar County6,854$897$175,500
Kerr County6,594$1,079$285,100
Harrison County6,419$977$178,200
Erath County5,929$1,134$251,900
Navarro County5,909$1,039$159,900
Liberty County5,769$1,038$167,100
Maverick County5,732$789$151,500
Val Verde County5,538$956$151,500
Kleberg County5,434$1,022$152,200
Starr County5,309$715$93,300
Waller County5,296$1,210$292,000
Anderson County5,136$1,006$173,400
Cherokee County4,930$880$160,300
Brown County4,770$887$149,900
Hood County4,668$1,414$281,300
Matagorda County4,633$998$162,200
Wharton County4,537$986$182,700
Cooke County4,525$1,088$224,600
Burnet County4,458$1,324$310,500
Hale County4,406$798$106,100
Jim Wells County4,327$885$104,800
Van Zandt County4,317$1,010$199,500
Wise County4,292$1,239$277,200
Caldwell County4,223$1,145$215,600
Polk County4,180$1,009$154,000
Hopkins County4,174$1,038$193,200
Washington County4,106$1,091$270,100
Kendall County3,814$1,576$489,800
Hardin County3,806$1,011$188,200
Atascosa County3,761$997$157,400
Howard County3,741$993$150,300
Wood County3,669$851$195,100
Rusk County3,590$997$166,900
Titus County3,414$817$157,900
Palo Pinto County3,376$1,024$167,300
Gillespie County3,268$1,331$432,300
Upshur County3,187$1,015$171,200
Hill County3,176$929$163,100
Fannin County3,135$994$213,500
Jasper County3,048$790$125,900
Medina County3,030$1,091$220,000
Chambers County2,907$1,548$289,900
Uvalde County2,821$966$144,400
Moore County2,768$894$135,400
Austin County2,740$1,111$270,900
Cass County2,651$821$133,500
Aransas County2,621$1,052$236,800
Wilson County2,545$1,069$286,300
Houston County2,430$873$155,100
Bee County2,393$1,028$102,800
Llano County2,329$995$322,300
Gonzales County2,301$837$158,900
Shelby County2,295$832$111,700
Milam County2,268$948$168,900
Grimes County2,267$985$226,600
Hockley County2,210$813$112,700
Limestone County2,152$835$154,400
Young County2,116$849$165,300
Brewster County2,110$768$216,000
Gray County2,102$898$100,400
Eastland County2,069$803$121,700
Deaf Smith County2,035$919$116,000
Fayette County1,996$909$271,100
Calhoun County1,983$1,121$150,000
Lavaca County1,980$879$220,900
Nolan County1,975$866$98,300
DeWitt County1,961$955$167,200
Frio County1,901$1,006$110,100
Bosque County1,800$926$184,500
Wilbarger County1,770$862$98,800
Panola County1,754$810$146,000
Robertson County1,731$773$172,700
Freestone County1,729$844$164,400
Montague County1,728$957$189,400
San Jacinto County1,658$1,018$183,100
Gaines County1,650$788$185,300
Jackson County1,621$1,011$175,500
Karnes County1,610$872$136,900
Andrews County1,607$1,364$188,200
Lampasas County1,603$961$236,000
Willacy County1,567$868$60,800
Terry County1,504$813$111,200
Leon County1,504$798$177,400
Tyler County1,499$951$138,400
Burleson County1,482$909$174,000
Red River County1,478$902$133,800
Lee County1,472$1,050$247,500
Colorado County1,438$1,002$194,000
Pecos County1,395$973$142,900
Scurry County1,360$913$110,800
Trinity County1,351$823$110,100
Brooks County1,351$487$82,700
Hutchinson County1,326$852$102,200
Lamb County1,298$900$76,600
Falls County1,295$747$97,300
Blanco County1,288$920$396,200
Dawson County1,250$873$90,800
Morris County1,237$824$110,200
Bandera County1,232$998$249,800
Madison County1,208$832$149,100
Dimmit County1,180$753$80,300
Zapata County1,170$569$88,800
Ochiltree County1,160$905$137,200
Jones County1,154$938$92,700
Live Oak County1,139$949$142,300
Camp County1,095$774$159,900
Comanche County1,077$823$137,800
Parmer County1,005$1,015$127,300
Zavala County990$544$88,100
Runnels County963$894$103,700
Marion County951$854$110,500
Callahan County945$881$144,800
Ward County937$939$138,800
McCulloch County922$838$104,400
Newton County904$877$83,100
Reeves County869$988$113,700
Duval County868$737$86,400
Swisher County833$729$89,200
Jack County825$968$174,800
Clay County823$825$161,300
Franklin County813$948$213,200
Rains County807$895$214,900
Childress County792$934$115,100
Stephens County762$802$105,700
San Augustine County761$741$83,500
Dallam County757$1,074$140,500
Castro County748$910$94,900
Coleman County745$714$91,200
Hamilton County707$847$124,800
Martin County672$1,175$162,200
San Saba County651$894$161,800
Sabine County646$738$131,900
Somervell County645$927$253,600
Yoakum County643$931$183,000
Presidio County598$445$123,100
Crosby County555$637$75,500
Haskell County545$824$92,000
Mitchell County524$481$85,700
Refugio County522$842$94,400
Archer County517$766$175,300
Baylor County514$685$93,300
Carson County487$933$140,600
Goliad County483$724$182,800
Lynn County482$933$130,800
Floyd County480$587$101,000
Bailey County474$744$104,400
Jim Hogg County470$820$125,600
Garza County451$797$79,300
Coke County438$687$112,900
Hansford County425$770$132,100
Sutton County408$770$140,600
Wheeler County398$995$97,600
Kimble County398$795$173,100
Hardeman County394$688$76,500
Hartley County381$1,023$213,200
Winkler County375$900$121,200
Mason County374$751$274,600
La Salle County356$101,000
Delta County354$857$149,400
Cochran County329$738$57,700
Upton County328$689$106,300
Hemphill County323$946$214,900
Crane County310$883$119,900
Crockett County297$585$140,000
Donley County296$686$90,500
Fisher County290$629$77,600
Hall County289$610$80,200
Mills County286$713$200,200
Kinney County276$771$88,500
Knox County275$661$66,800
Reagan County251$806$163,700
Real County249$877
Shackelford County241$485$176,900
Collingsworth County241$619$108,400
Hudspeth County229$664$57,400
Lipscomb County218$807$128,400
Sherman County215$881$125,500
Menard County199$810$105,300
Concho County189$919$105,800
Throckmorton County184$548$84,200
Oldham County182$1,125$144,800
Culberson County182$971$84,500
Glasscock County148$248,600
Foard County140$577$71,400
Armstrong County137$1,010$185,700
Dickens County127$753$65,000
Cottle County122$323$54,100
Briscoe County121$692$82,900
Schleicher County114$627$113,400
Motley County110$725$81,100
Borden County87$105,400
Jeff Davis County86$1,314$234,400
Irion County69$1,028$152,600
Stonewall County67$620$54,700
Sterling County67$968$143,200
Kent County63$856$108,900
King County52
Terrell County51$152,200
Roberts County44$769$176,800
McMullen County39$108,800
Loving County32
Edwards County26$714$78,300
Kenedy County11

Counties with fewer than 30 renter households link to context pages with the records they have; treat those small samples as context and lean on the state figures above for planning.

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Cite as: "HomeCover HQ Rates Index: Texas", updated 2026-08-17, https://homecoverhq.com/rates/texas/.

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Average annual renters insurance premium · Texas · 2022

$199

renter households4,023,511

Source: HomeCover HQ Rates Index: Texas

Download the Texas county-level dataset (CSV), free to reuse with citation.

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