This page states the published averages, the sources they come from, and what they do and do not describe. It does not state what any homeowner will pay. No per-carrier price is published here, because no free public source publishes per-carrier homeowners premiums, and no "cheapest insurer in Texas" claim is made anywhere on this page.
What are the published averages: two series, kept separate?
| Figure | Texas | United States |
|---|---|---|
| Average HO-3 premium, 2023 (NAIC) | $2,864 per year | $1,737 per year |
| Difference from the countrywide average | +64.9% | - |
| Rank, HO-3 average (of 51 jurisdictions) | 2nd highest | - |
| Average premium, 2025 preliminary (TDI) | $3,489 per year | - |
| Average HO-4 (renters) premium, 2023 (NAIC) | - | $173 per year |
| Average dwelling-fire premium, 2023 (NAIC) | - | $1,019 per year |
NAIC source: Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023, July 2026, Table 4 Total row per state, HO-3 standard owner-occupied form, 51 jurisdictions. Retrieved 2026-11-06. Current as of November 2026.
TDI source: Texas Department of Insurance, Homeowners Market Overview, 2019-2025 series, 2025 preliminary. Retrieved 2026-11-06. Current as of November 2026.
What does the Texas Department of Insurance series show, 2019-2025?
The TDI publishes its own yearly series for Texas, and it is the newer of the two. The average premium in the series:
| Year | Average premium |
|---|---|
| 2019 | $1,961 |
| 2020 | $1,987 |
| 2021 | $2,124 |
| 2022 | $2,374 |
| 2023 | $2,795 |
| 2024 | $3,291 |
| 2025 (preliminary) | $3,489 |
Over the series the average premium rose from $1,961 in 2019 to $3,489 in 2025 (preliminary), a rise of 77.9%, computed from the published series. The TDI also reports an average coverage amount of $432,800 and 8,233,096 active policies in 2025. The 2025 figure is marked preliminary by the TDI itself, and is shown as preliminary here.
The NAIC and TDI figures are not the same series and must not be read as one. The NAIC's $2,864 is the 2023 HO-3 average from its national report; the TDI's $3,489 is the 2025 preliminary average from the state regulator's own market overview. Different years, different methods, different publications. The gap between them is not a discrepancy to be reconciled. It is two different measurements at two different dates.
What is an HO-3 average?
HO-3 is the standard owner-occupied homeowners form, the policy most owner-occupied houses carry. The NAIC's Table 4 Total row gives the average premium actually paid for that form in each state. It is an average across all HO-3 policies in the state: different houses, different coverage amounts, different deductibles, different locations, all mixed together.
Two nearby figures are shown separately and never averaged in with the HO-3 number. The countrywide HO-4 (renters) average is $173 per year, a different policy for a different situation, and not comparable to an owner-occupied premium. The countrywide dwelling-fire average is $1,019 per year. Dwelling-fire cover is not directly comparable to homeowners cover, so it is shown on its own and never blended into the HO-3 figure.
Why is the average the second highest in the country, and what that does not mean?
Texas ranks 2nd of 51 jurisdictions on the NAIC HO-3 measure and its average is 64.9% above the countrywide figure. The published data does not say why, and this page does not offer an explanation the data does not support. The TDI series does show the direction of travel: a steady rise every year from 2019 to 2025, with the largest single-year steps in the most recent years of the series.
What the average does not tell you is larger than what it does. It does not tell you what a house in any one part of Texas costs to insure. Location within the state matters, and the state average hides the spread between locations entirely. It does not tell you what your house costs to insure, the coverage amount, the deductible, the construction and age of the house, and the household's history all change the price, and the exact factors a carrier may use are set by the carrier and the state regulator. And it does not tell you what any one carrier charges: two carriers can price the same house very differently, and the published averages show none of that.
What is not published here?
- No per-carrier prices. No free public source publishes what any one carrier charges for homeowners insurance in Texas. Any page that prints a per-carrier Texas price without a named source and a date is guessing.
- No "cheapest insurer in Texas". A cheapest-insurer claim needs per-carrier prices for a stated house and cover level. We do not hold them, so we do not make the claim.
- No quote. This page is a published average with its source beside it. A real price comes only from a carrier or a licensed agent, for a stated house and cover level.
- No rating or review score. We do not score carriers. A public-data ratings page, built from the NAIC complaint index and AM Best financial-strength ratings with its method printed on the page, is planned separately. Nothing is rated here.
- No blended NAIC/TDI figure. The two series are never averaged together. They are shown side by side, each with its own source and date.
How do I use this page?
- Compare the published average with a quote you have received, remembering that the average mixes all houses, all coverage amounts and all locations in the state. A smaller house with a higher deductible will sit below it; a larger house with more cover will usually sit above it.
- See every state's published homeowners averages side by side on the magnet page: /compare/average-insurance-costs-by-state/.
- Use the comparison tool to work through cover levels and see published averages beside quote-only carrier entries: /compare/home/.
- Read how to get and compare home insurance quotes in Texas, and the Texas rules that change the quote: /home/home-insurance-quote-texas/.
- Read the state rules for auto, home and health cover in one place: /auto/texas-auto-insurance/.
- Read how every figure on this site is sourced before it is published: /compare/methodology/.