How Much Does Renters Insurance Cost in Texas?
Texas pricing is near the national average. Updated for 2024-2025.
Renters Insurance Pricing in Texas
In Texas, the average cost for renters insurance is $19 per month, which is 7% lower than the national average of $20. 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.
Protects belongings, provides liability coverage, and covers additional living expenses.
Texas vs National Average
What Affects Renters Insurance Cost in Texas?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
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💡 Tips to Save on Renters Insurance in Texas
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Texas Cost Trends (2020–2024)
Prices have increased +18.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $18 | +0.0% |
| 2024 | $19 | +5.6% |
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
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Renters Insurance Cost in Other States
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