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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.

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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

renter households, largest first

  1. Harris County781,714
  2. Dallas County478,237
  3. Tarrant County312,653
  4. Bexar County302,765
  5. Travis County263,736
  6. Collin County143,751
  7. Denton County120,115
  8. El Paso County107,636
  9. Hidalgo County85,653
  10. Williamson County79,579
  11. Montgomery County66,580
  12. Fort Bend County63,338
Table view
RowValue
Harris County781,714
Dallas County478,237
Tarrant County312,653
Bexar County302,765
Travis County263,736
Collin County143,751
Denton County120,115
El Paso County107,636
Hidalgo County85,653
Williamson County79,579
Montgomery County66,580
Fort Bend County63,338

By county

254 counties

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.

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

Sources, citation and related pages

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The average annual renters insurance premium in Texas was $199 in 2022, across 4,023,511 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).

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

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