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Best cheap home insurance in Houston
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The best home insurance companies in Houston
Homeowners insurance in Houston, Texas, is relatively expensive, costing an average of $5,363 per year for a policy with a $300K dwelling limit. Extreme wind damage is a concern here, according to Risk Factor, with 96 percent of all Houston homes at risk. Plus, the city’s position near Galveston Bay and the Gulf of Mexico puts it at risk for other natural disasters like hurricanes. To help homeowners financially protect the investment they’ve made in their homes, Bankrate’s insurance editorial team has researched and identified the best home insurance in Houston. Based on our findings, USAA, Nationwide, State Farm, Foremost and Farmers offer some of the best policies in the area.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Not rated
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in Houston
Home insurance in Houston costs 31 percent more than the Texas statewide average, which can make finding cheap home insurance harder — but not impossible. Bankrate’s insurance editorial team evaluated average rate data from Quadrant Information Services and found that the following insurers write some of the cheapest home insurance policies for a $300K dwelling limit. We’ve also included the cheapest home insurance in Houston for other coverage limits.
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|---|---|---|
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Armed Forces
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$226
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$2,710
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$236
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$2,837
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|
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$355
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$4,260
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|
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$377
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$4,529
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Compare home insurance rates
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How much is home insurance in Houston, Texas?
In Houston, the average cost of home insurance is $5,363 per year for a policy with $300,000 in dwelling coverage. This is more expensive than the national average cost of home insurance, which is $2,397 per year. In addition, Houston homeowners pay 31 percent more than the average Texan for home insurance; the statewide average annual rate is $4,078. However, home insurance premiums are highly personalized, so factors like your claims history, the age of your home and the size of your home may cause your premium to be cheaper or more expensive. Home insurance quotes in Houston may vary by provider, even using the same coverage parameters. It’s helpful to get at least three quotes to find the policy that best meets your needs at the cheapest price.
Houston rates by credit tier
Building credit doesn’t happen overnight, but taking steps to boost your credit might help you earn a lower home insurance premium. Homeowners with poor credit are statistically more likely to file claims, which in turn costs the insurance company money. To account for the added financial risk, most home insurance companies charge homeowners with poor or average credit higher rates than homeowners with good or excellent credit.
To compare, Houston homeowners with poor credit pay an average of 74 percent more than homeowners with excellent credit. Making sure to pay your bills on time, keep old accounts open and removing negative or outdated credit information are a few ways you may be able to raise your credit over time to lower your Houston home insurance premiums. The table below details some cheap Houston home insurance companies and different average rates based on credit tier.
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|---|---|---|---|---|
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Armed Forces
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$3,763
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$2,829
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$2,710
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$2,575
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$4,079
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$3,017
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$2,837
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$2,474
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|
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$4,930
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$4,291
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$4,260
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$4,151
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|
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$6,748
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$4,663
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$4,529
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$4,159
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|
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$8,207
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$5,039
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$4,580
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$3,784
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Houston rates by home age
Houston home ages generally vary by neighborhood, with some homes dating back over a century. Older homes, particularly those with older roofs, usually cost more to insure. An older home is more likely to be built with materials that are succumbing to age, more expensive to replace or harder to source, which could drive up the cost of repairs after a covered claim. Below, we’ve collected average rates from some cheap home insurance companies to show how premiums vary by home age.
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|---|---|---|---|---|---|
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Armed Forces
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$2,838
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$2,775
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$2,760
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$2,849
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$2,608
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|
$4,976
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$4,997
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$5,053
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$4,076
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$2,382
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|
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$6,460
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$6,507
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$6,464
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$5,360
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$4,061
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|
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$6,951
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$7,028
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$7,059
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$5,491
|
$4,146
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|
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$4,580
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$4,580
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$4,580
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$4,580
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$4,580
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Houston rates by deductible amount
The average cost of home insurance in Houston is pretty high, but choosing a high-deductible home insurance policy may help get you a more affordable rate. Your home insurance deductible is the amount of money you are financially responsible for after filing a claim. By choosing to take on greater financial responsibility, your home insurance provider may reward you with a cheaper rate. Keep in mind that it’s risky to increase your deductible beyond what you could reasonably afford in the event of an emergency or at a moment’s notice. In the table below, you can see how rates vary based on the deductible amount.
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Armed Forces
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$2,710
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$2,545
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$2,329
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$2,837
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$2,837
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$2,808
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|
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$3,997
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$3,997
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$3,471
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|
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$4,417
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$4,313
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$3,572
|
|
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$4,580
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$4,580
|
$4,284
|
Related content:
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze August 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
