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What insurance costs in Texas right now.
Every number sourced. Checked this month.
Insurance is the cost that most often catches newcomers off guard. The average Texas homeowners premium rose from about $2,000 in 2020 to nearly $3,500 in 2025. On the coast, windstorm coverage is often a second policy, and flood is always a separate one. Marketplace health premiums jumped for 2026 after the extra federal subsidies ended, and more increases are filed for 2027. There is some relief, too: most home and auto rate filings since July 2026 have been cuts. Here is what each policy costs and what is changing.
Numbers last checked October 31, 2026The numbers
TDI figures are statewide averages across all homeowners policies. Experian and NerdWallet figures come from shopping data or sample quotes, not regulatory filings, so we label them. Your own quote depends on your address, the home or car, your credit-based insurance score and your claims history.
| Policy | What | Cost | Since | Source |
|---|---|---|---|---|
| Homeowners | ||||
| Homeowners | Average annual premium | $3,489 | 2025 (preliminary) | TDI |
| Homeowners | Average annual premium, five years earlier | $1,987 | 2020 | TDI |
| Homeowners | Average filed rate change, last 90 days | −4.3% | Jul–Sep 2026 | TDI, Oct 8, 2026 |
| Homeowners | Average filed rate change, September filings | −6.6% | Sep 2026 | TDI |
| Auto | ||||
| Auto | Average, all policies | $2,329/yr ($194/mo) | Sep 2026 data | Experian (marketplace data) |
| Auto | Average, full coverage | $2,897/yr | Sep 2026 data | Experian |
| Auto | Average, state minimum coverage | $1,680/yr | Sep 2026 data | Experian |
| Auto | Required minimum liability | 30/60/25 | Checked Oct 2026 | Experian |
| Renters | ||||
| Renters | Median annual quote, $30,000 belongings and $100,000 liability | $165/yr (about $14/mo) | Sep 23, 2026 | NerdWallet (sample quotes) |
| Health (ACA marketplace, monthly, age 40, before subsidies) | ||||
| Health | Benchmark (second-lowest silver) | $661 | 2026 | KFF |
| Health | Lowest-cost bronze | $426 | 2026 | KFF |
| Health | Lowest-cost gold | $570 | 2026 | KFF |
| Health | Preliminary average 2027 rate change, individual market | +14.1% | Filed Aug 2026 | ACASignups.net (from federal rate review filings) |
Homeowners insurance
TDI’s yearly averages tell the story of the last five years. Premiums climbed every year, with the steepest jumps in 2023 and 2024, then slowed sharply in 2025.
| Year | Average annual premium | Average rate change | Source |
|---|---|---|---|
| 2020 | $1,987 | +3.8% | TDI |
| 2021 | $2,124 | +5.9% | TDI |
| 2022 | $2,374 | +10.8% | TDI |
| 2023 | $2,795 | +21.1% | TDI |
| 2024 | $3,291 | +18.7% | TDI |
| 2025 (preliminary) | $3,489 | +4.3% | TDI |
Why it is so high, and what is changing
- Weather drives it. Wind and hail have made up an average of 62% of Texas homeowners losses since 2019, and insurers paid $8.74 billion in homeowners losses in 2025 (TDI, Jun 22, 2026).
- Rates are now falling on many policies. Most companies that filed homeowners changes since July 1, 2026 asked for decreases, covering about 700,000 policyholders. Examples: ASI Lloyds −6% and Texas Farm Bureau Mutual −5.2% (TDI, Oct 8, 2026). A filed decrease is not a guarantee your renewal drops; rising home values and coverage amounts can offset it.
- Plenty of competition. TDI counts 157 companies in 81 groups writing homeowners coverage. Shop at renewal.
- Look up your own county. TDI now publishes average premiums for every county from 2019 to 2025, claims paid by county, and a searchable database of rate filings (TDI, Jun 22, 2026).
- If no one will insure you: the Texas FAIR Plan is the fallback for homes, condos and manufactured homes, and it also sells renters coverage. You qualify after two insurers turn you down (TDI).
Auto insurance
Texas requires at least 30/60/25 liability: $30,000 per injured person, $60,000 per accident for injuries and $25,000 for property damage (Experian). Full coverage averages $2,897 a year, and a minimum-only policy $1,680. Rates are moving down: TDI says auto rate cuts filed since July 1, 2026 reach 4.4 million policyholders, including Auto Club County Mutual (−3%) and Loya (−10.3%).
Average annual premium by city, from Experian (12 months through Sep 2026, published Oct 13, 2026). Experian did not list El Paso. Registration, inspection and other car costs are on Texas vehicle costs.
Windstorm insurance (TWIA)
In much of the coast, standard homeowners policies leave out wind and hail. The Texas Windstorm Insurance Association is the state-created insurer of last resort for that coverage. You buy it through a local agent, and only after a private insurer has turned you down (TDI).
Where TWIA writes coverage
The 14 coastal counties: Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy. It also covers the part of Harris County east of Highway 146, including La Porte, Morgan’s Point, Pasadena, Seabrook and Shore Acres (TDI). TWIA had 286,251 policies in force on Mar 31, 2026.
TWIA policies in force by county, Mar 31, 2026 (TWIA 2026 Annual Report).
The rate decision
- 2027 policies: on Aug 4, 2026 the board voted unanimously to file a 0% rate change. TWIA’s 2026 analysis found rates adequate by 9% for residential and 4% for commercial coverage, helped by a law that lowered its required funding level and by tax exemptions from the Legislature.
- 2026 policies: also 0%, voted Aug 5, 2025 (TWIA).
- Your premium can still rise. Residential policies renewing on or after Sep 1, 2026 get an automatic dwelling coverage increase of about 3% for building costs. More coverage at the same rate means a slightly higher bill.
- TWIA can require flood insurance. If any part of the property is in a V-zone (VE or V1–V30), NFIP flood coverage is available, and the building was built or substantially altered after Sep 1, 2009, you must carry flood insurance to get TWIA coverage (TWIA).
Flood insurance
Standard homeowners and renters policies generally leave out flooding. You buy it separately, usually through the federal National Flood Insurance Program (NFIP) via any agent, or from a private flood insurer.
- Coverage limits: NFIP covers up to $250,000 for the building and $100,000 for contents; renters can buy up to $100,000 for belongings (FloodSmart, checked Oct 2026).
- The 30-day wait: a new policy generally takes effect 30 days after purchase. You can’t wait for a storm in the forecast. The wait is waived when the policy is tied to a new, increased or renewed mortgage, for coverage changes at renewal, and it shortens to one day after a flood-map change that puts you in a high-risk zone (if you buy within 12 months) (FloodSmart).
- Risk Rating 2.0: since Oct 1, 2021 (FEMA), NFIP prices each home on its own flood risk and rebuilding cost rather than mainly on its flood zone. Many existing policies are still stepping up toward the full-risk price, and federal law limits most yearly increases to 18% (IPS News, Jul 1, 2026). Ask the seller for their current flood premium and its full-risk price before you buy.
- How many Texans carry it: about 586,680 NFIP policies statewide, 61% of them in Brazoria, Fort Bend, Harris and Montgomery counties. Older data Community Impact reported those FEMA figures in July 2024.
- Typical premium: FEMA’s own state averages were not reachable for this update. One Houston broker puts the Harris County NFIP average near $1,251 a year (2026); treat that as a rough guide and get a quote for the address.
Buying in the Houston area? See Houston for the draft FEMA flood maps that may move some homes into the floodplain.
Health insurance (ACA marketplace)
Texas uses HealthCare.gov. If you are self-employed, retiring early or moving without a job lined up, the marketplace is likely where you will buy coverage.
Open enrollment for 2027 coverage
- Opens: Nov 1, 2026.
- Sign up by Dec 15, 2026 for coverage starting Jan 1, 2027.
- Closes: Jan 15, 2027. A 2025 federal rule would have ended open enrollment on Dec 15, but a federal judge vacated that change in June 2026. HHS has appealed, so the window could change in future years (healthinsurance.org, updated Oct 28, 2026).
What it costs
The benchmark silver plan for a 40-year-old averaged $661 a month in Texas for 2026, up from $489 in 2025 and above the U.S. average of $625 (KFF). That is the full, unsubsidized price. Subsidies are figured from the benchmark, so many enrollees pay less. The enhanced federal subsidies expired at the end of 2025, which raised net costs for many households and is one reason insurers give for 2027 increases (ACASignups.net).
- 2027 filings: preliminary individual-market filings average +14.1% before subsidies, and small-group filings +16.9% (Aug 28, 2026). Final rates show up on HealthCare.gov when shopping opens Nov 1.
- Fewer insurers: Cigna is leaving the individual market and Baylor Scott & White is dropping its marketplace plans after Dec 31, 2026 (ACASignups.net). If you have either, you will need to pick a new plan.
- Gold can cost less than silver: in 2026 the cheapest gold plan averaged $570 a month, less than the cheapest silver at $651. Compare metal tiers before you pick.
Out-of-date numbers you’ll still find online
That was the 2020 average. TDI’s 2025 preliminary figure is 76% higher.
Increases of 21.1% (2023) and 18.7% (2024) gave way to 4.3% in 2025 and to filed decreases since July 2026.
The 2025 figure for a 40-year-old. 2026 is 35% higher before subsidies, and 2027 filings point higher still (KFF).
The shorter window from the 2025 rule was vacated in court. Dec 15 is still the deadline for Jan 1 coverage (healthinsurance.org).
The board filed no rate increase for two years running (TWIA), though the automatic coverage bump still nudges bills.
How we check
We use TDI, TWIA, FEMA’s FloodSmart and KFF wherever possible, and label anything from a marketplace, broker or comparison site. Averages are statewide unless a city is named. Read the full methodology.