The Best Cheap Renters Insurance Quotes in Texas
Amica has the cheapest renters insurance in Texas, at $19 per month on average.
Compare Renters Insurance Quotes in Texas
Best Cheap Renters Insurance in TX
ValuePenguin editors found the best cheap renters insurance companies in Texas by looking at rates, customer satisfaction, coverage options and discounts.
Our experts calculated average renters insurance rates by gathering quotes from six top companies across 25 of Texas' largest cities.
No, renters insurance doesn't typically cover flood damage. This includes overflowing rivers or lakes and heavy rainfall, like the Texas Hill Country floods.
If you want to protect your belongings against rising river or lake water, heavy rainfall or storm surge, you have to buy a separate flood insurance policy. Your landlord is responsible for any flood damage to your apartment or rental home.
If your stuff was damaged by the Texas Hill Country floods and you don't have flood insurance, you may be able to get a grant through the Federal Emergency Management Agency (FEMA). However, these grants typically only cover necessities, so you may not get enough money to replace all of your stuff.
Cheapest renters insurance in Texas
The average cost of renters insurance in Texas is $25 per month for $30,000 of coverage for your stuff.
The cheapest renters insurance rates in Texas comes from Amica, where a policy costs $19 per month. That's 25% cheaper than the statewide average.
Lemonade is just a little more expensive than Amica — its prices are less than a dollar higher per month.
Cheapest insurance companies
Find Cheap Renters Insurance Quotes in Texas
There's a large difference in price across renters insurance companies in Texas. The most expensive renters insurance company, Farmers, costs 70% more than Amica and Lemonade. That's a difference of about $33 per month.
Cheapest renters insurance companies in Texas
Company | Monthly cost | ||
|---|---|---|---|
| Amica | 4.0 out of 5 | $19 | |
| Lemonade | 4.0 out of 5 | $19 | |
| State Farm | 4.5 out of 5 | $22 | |
| Progressive | 2.5 out of 5 | $28 | |
| Assurant | 3.0 out of 5 | $29 | |
Best renters insurance in Texas for most people: Amica
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Cost$19/moThis analysis used renters insurance quotes for 24 of the largest cities in Texas. Read our methodology.
Best online experience: Lemonade
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Cost$19/moThis analysis used renters insurance quotes for 24 of the largest cities in Texas. Read our methodology.
Best renters insurance near the Gulf Coast: State Farm
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Cost$22/moThis analysis used renters insurance quotes for 25 of the largest cities in Texas. Read our methodology.
Renters insurance in Texas: rates by city
Renters in Houston pay the highest rates in the state, at $32 per month.
In addition to being among the biggest cities in Texas, Houston's location on the Gulf Coast makes it vulnerable to hurricanes, increasing rates.
In comparison, renters in Arlington have the cheapest renters insurance among major cities in Texas — $20 per month, on average. San Antonio also has affordable rates, at an average of $22 per month.
City | Monthly rate | % from average |
|---|---|---|
| Amarillo | $21 | -15% |
| Arlington | $20 | -22% |
| Austin | $22 | -14% |
| Brownsville | $31 | 24% |
| Carrollton | $25 | 0% |
Amica has the best cheap renters insurance in Dallas, TX.
Tips for getting cheap renters insurance in Texas
Compare quotes, use discounts and find your coverage needs to get the lowest price on renters insurance in Texas.
Add up the cost of all your belongings. The total value of your possessions is the amount of coverage, called personal property coverage, you need to buy.
A higher property coverage limit costs more, but if you file a claim you'll never be paid more than the value of your stuff. Lowering your limit will reduce the amount you pay each month.
You can save hundreds of dollars per year by comparing quotes. The most expensive renters insurance company in Texas, Farmers, costs $159 per year more than the cheapest company, Amica, for the same level of coverage.
It's also a good idea to compare quotes each year because rates can change over time. The cheapest company last year might not be the cheapest anymore.
Most Texas renters insurance companies offer discounts.
One of the best discounts for renters insurance is bundling your renters insurance together with your car insurance, or another kind of coverage. Insurance companies essentially give you a buy-in-bulk discount for getting multiple policies.
Common renters insurance discounts
- Pay in full/autopay discount
- Buy in advance discount
- Military discount
- Paperless discount
- Discounts for switching or loyalty
Common natural disasters in Texas
The most common disasters in Texas are coastal storms and tornadoes.
Does renters insurance cover hurricanes in Texas?
Renters insurance covers damage from hurricanes if it is wind-related, but doesn't pay for damage from flooding.
Wind damage is one of the main causes of damage covered by renters insurance, so you will almost always be reimbursed for damage from flying debris, a fallen tree, or other damage from hurricane winds.
However, flooding from rain or floodwaters is essentially never covered by renters insurance. If you live near the coast and are concerned about flooding, consider buying flood insurance in addition to your renters policy, especially if you live in a house or first-floor apartment in an area at risk for flooding.
Does renters insurance cover tornadoes in Texas?
Yes, tornado damage is covered by renters insurance.
Tornado winds, as well as hail, are covered by renters insurance. Wind is one of the standard causes of damage that's always included on renters insurance.
You'll also be covered if the tornado breaks a window, allowing water in — so long as wind caused the original damage.
However, renters insurance never covers damage to your car, from a tornado or anything else. If you have to park your car outside, consider buying comprehensive coverage on your car insurance. This pays for damage to your car from tornadoes, fires, as well as theft.
Texas renters insurance trends
Renters insurance prices have gone up 7.2% in Texas over the last six years.
Companies that raise Texas renters insurance rates saw increases of between 4.8% and 48.8% during the last six years. Only two companies, State Farm and Progressive, decreased their rates.
Renters insurance prices, on average, decreased in 2020 and 2022, but then saw a slight uptick of 8.7% across 2023 and 2024.
Among the major TX insurers, the biggest increases have been at Nationwide (48.8%), USAA (33.4%) and American Family Insurance (18.2%).
Renters insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
How much is renters insurance in Texas?
The average cost of renters insurance in Texas is about $25 per month. That's 11% more expensive than the national average.
How much does renters insurance cost in Corpus Christi?
Renters in Corpus Christi can expect to pay $31 per month for renters insurance, which is 23% more than the state average.
Is renters insurance required in Texas?
No renters insurance is not required in Texas., However, your landlord or property management company may require you to purchase a policy.
Who has the cheapest renters insurance in Texas?
Amica offers the cheapest renters insurance in Texas. At $19 per month, it's 25% cheaper than the state average.
Methodology
ValuePenguin collected more than 140 quotes from across 25 major cities in Texas for a single 30-year-old woman who has never filed a renters insurance claims. Coverage limits include:
- $30,000 of personal property coverage
- $9,000 for loss of use
- $500 deductible
- $100,000 of personal liability
- $1,000 of medical payments to guests
Customer service ratings were created using cost data, information from the National Association of Insurance Commissioners (NAIC) complaint index scores and J.D. Power's 2023 renters insurance customer satisfaction study rankings.
These rates should be used for comparative purposes only. Your quotes will likely differ.
About the Author
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
