How Much Does Renters Insurance Cost in Texas?
Texas pricing is near the national average. Updated for 2026.
Renters Insurance Pricing in Texas
In Texas, the average cost for renters insurance is $17 per month, which is 7% lower than the national average of $18. Most Texas residents pay between $9 and $33.
Texas has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Renters insurance protects your personal belongings from theft, fire, and other covered events. It also provides liability coverage and additional living expenses if your rental becomes uninhabitable.
Texas vs National Average
What Affects Renters Insurance Cost in Texas?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
📐 Renters Insurance in Texas Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Texas
5 providersAll-Pro Restoration
✅ VERIFIEDApex Restoration
Premier Contractors
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Texas.
💡 Tips to Save on Renters Insurance in Texas
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Texas Cost Trends (2022–2026)
Prices have increased +21.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $14 | — |
| 2023 | $15 | +7.1% |
| 2024 | $16 | +6.7% |
| 2025 | $16 | +0.0% |
| 2026 | $17 | +6.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Texas
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Renters Insurance Cost in Other States
Related Cost Guides for Texas
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.