What renters in Texas actually pay for insurance, from the National Association of Insurance Commissioners' 2023 Homeowners Insurance Report (published July 2026) — plus the Texas-specific rules that shape your policy and your price.
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Texas at a glance
The figures below are the NAIC's state average HO-4 (renters) premium for Texas — total premiums divided by total policies, 2023 policy year, published July 2026.
Average renters premium · Texas$201/yr~$17 a month · #7 of 51 states (1 = priciest) · 116% of the US average
$201/yrAverage annual premium (NAIC 2023)
~$17/moMonthly equivalent
116%Of the national average
#7 of 51Price rank (1 = priciest)
Texas$201/yrTexas average · ~$17/mo
+$28/yrvs national average
National average$173/yrAll 50 states + DC
Texas vs the country
Mississippi · priciest state$263/yr
Louisiana$250/yr
Texas · your state$201/yr
United States average$173/yr
South Dakota · cheapest state$125/yr
How it works: figures are the NAIC's state average HO-4 (renters) premiums — total premiums divided by total policies, 2023 policy year, published July 2026. Monthly = annual ÷ 12. Rank is out of all 50 states + DC, priciest first. These are premiums paid, averaged across coverage amounts — a quote for a specific $30k/$100k policy will differ. Nothing you type leaves your device.
How this number is measured
The $201 figure isn't a quote — it's what Texas renters actually paid on average. The NAIC collects HO-4 (renters) premiums from every insurer, divides by policies in force, and publishes the state average. That makes it the cleanest benchmark available: same method, same policy form, every state, no marketing spin.
Output · formula · meaning
Output
Formula
What it means
Average annual premium
Σ premiums ÷ policies
What the typical Texas renter pays per year: $201.
Monthly equivalent
annual ÷ 12
The monthly budget figure: about $17.
Index vs US average
state avg ÷ $173 × 100
Texas sits at 116% of the national average — 16 points above the typical state.
Price rank
sorted, priciest first
Texas is #7 of 51 — among the ten priciest states for renters insurance.
3 things Texas renters should know
No Texas law requires renters insurance. Like most states, Texas leaves it to the lease — and many Texas leases require it, sometimes with a named minimum liability limit. Your lease is the document that decides.
Wind and hail are a special case on the coast. The Texas Windstorm Insurance Association (TWIA) is the wind-and-hail insurer of last resort for 14 first-tier coastal counties plus parts of Harris County (per the Texas Department of Insurance). If you rent near the Gulf, check whether your renters policy excludes wind and hail — coastal exclusions exist, and that's exactly where hurricanes land.
Hail and tornadoes move the needle inland. North and central Texas sit in the hail belt and tornado country, and carriers price that in. Your HO-4 policy covers wind and hail damage to your belongings — but after a bad hail season, replacement-cost coverage (rather than actual-cash-value) is what decides whether your payout buys a new couch or a depreciated one.
Who uses this page
Movers: budgeting a move to Texas — is $17/month about right for your renters policy?
Lease shoppers: checking whether the number your agent quoted is anywhere near the state average.
Landlords: setting the insurance clause in a lease — know what "typical" costs your tenants.
Researchers & students: the NAIC figures are public statistics — cite them with the block below.
Accuracy & limitations
These are 2023-policy-year averages published in July 2026 — the freshest official data available, but your 2026 quote will differ by ZIP code, building construction, coverage limits, deductible, claims history, and credit-based insurance score (where legal). Treat $201/yr as a benchmark, not a quote. Renters insurance markets move fast in storm states, so treat the figure as a starting point and get live quotes.
Cite this pageBright Side Kit. “Average Renters Insurance Cost in Texas.” brightoolbox.com, 2026.Bright Side Kit. "Average Renters Insurance Cost in Texas." https://brightoolbox.com/renters-insurance-cost-texas/ Accessed October 21, 2026.
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Frequently asked questions
Is renters insurance required in Texas?
No state law requires it. Texas landlords can — and many do — require it in the lease, sometimes with a minimum liability limit. If your lease requires it, you need the policy to keep the lease.
How much is renters insurance in Texas per month?
The state average premium is about $17 a month ($201 a year) according to NAIC 2023 data — above the $14 national average, and the 7th priciest state in the country. Coastal and hail-belt ZIP codes run higher.
Does Texas renters insurance cover hurricanes?
Standard HO-4 policies cover wind damage to your belongings, including hurricanes. Flood and storm surge are excluded — separate flood coverage is the fix. Near the Gulf Coast, also check whether your policy has a wind/hail exclusion tied to TWIA territory.
What is TWIA?
The Texas Windstorm Insurance Association is the state's windstorm and hail insurer of last resort, covering 14 first-tier coastal counties and parts of Harris County, per the Texas Department of Insurance. It matters most to homeowners — renters mainly need to confirm their HO-4 policy doesn't exclude the perils TWIA exists for.
Why is renters insurance more expensive in Texas?
Hail storms, tornadoes, and Gulf hurricanes give carriers a lot to price in — Texas ranks #7 of 51 for average renters premiums. Neighbors Louisiana (#2) and Oklahoma (#3) pay even more for the same storm risk.
How can I lower my Texas renters insurance cost?
Raise the deductible, bundle with auto, pay annually, ask about protective-device discounts (deadbolts, alarms, sprinklers), and avoid monthly billing fees. The full playbook is in the how to lower your renters insurance guide.