Renters Insurance Cost in Texas (2026 Average)
Texas renters paid about $250 a year on average in the NAIC 2021 baseline, about $80 more than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Texas renters insurance costs
Texas renters paid about $250 a year on average in the NAIC 2021 baseline, about $80 more than the $170 US average.
Weather exposure is a major driver here: the state's size means hail, tornadoes, hurricanes, and winter freezes all drive claims.
Claim frequency and litigation also matter: claim frequency and litigation are both elevated, which pushes costs up across the board.
Replacement costs and carrier competition round out the picture: replacement costs vary widely but run high in the major metros, and a huge carrier market competes hard, yet the average is the highest in the country.
How Texas compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Texas | $250 | +$80 |
| United States (national average) | $170 | baseline |
| Oklahoma | $163 | −$7 |
| Louisiana | $184 | +$14 |
| New Mexico | $130 | −$40 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.