Texas

Auto and home insurance in Texas

State auto minimums, homeowners premium averages, and city guides for Texas households. A quote is not a binder.

63% of Texas households own their home, the median owner-occupied home is valued at $283,800, and 71% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Texas families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.

Texas auto insurance requirements

Texas requires liability limits of at least 30/60/25 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.

Source: NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance.

Average homeowners premiums in Texas

The NAIC's 2023 average HO-3 premium in Texas was $2,864, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.

Dwelling coverage amount	Texas average HO-3 premium (2023)	Countrywide average
Under $150,000	$1,781	$954
$150,000–$199,999	$2,053	$1,192
$200,000–$224,999	$2,167	$1,282
$225,000–$249,999	$2,238	$1,297
$250,000–$274,999	$2,306	$1,350
$275,000–$299,999	$2,397	$1,414
$300,000–$324,999	$2,479	$1,475
$325,000–$349,999	$2,592	$1,492
$350,000–$399,999	$2,734	$1,598
$400,000–$449,999	$2,943	$1,679
$450,000–$499,999	$3,180	$1,825
$500,000–$599,999	$3,497	$1,973
$600,000–$699,999	$3,932	$2,249
$700,000–$999,999	$4,648	$2,916
$1,000,000 and over	$7,203	$4,314
All amounts (state average)	$2,864	$1,737

Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).

How Texas drives

Statewide, 71% of workers drive alone, 10% carpool, and 14% work from home. 17% commute 45 minutes or more, and 22% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.

What moves a Texas auto and home quote

Driving records and the number of drivers and vehicles.
Mileage and garaging, including commute length.
Rebuild cost and the age of the roof and home systems.
Local losses, especially large hail and Gulf hurricanes near the coast.
Deductibles and limits on both policies.
Claims history and other rating factors allowed in Texas.
Discounts such as multi-policy, multi-car, and protective devices.

City guides for Texas

Guides

More Texas communities

We accept quote requests from anywhere in Texas. Other cities and towns, listed by county:

Anderson County — Elkhart; Frankston; Palestine
Andrews County — Andrews
Angelina County — Burke; Diboll; Hudson; Huntington; Lufkin; Zavalla
Aransas County — Fulton; Rockport
Archer County — Archer City; Holliday; Lakeside City; Megargel; Scotland; Windthorst
Armstrong County — Claude
Atascosa County — Charlotte; Christine; Jourdanton; Lytle; Pleasanton; Poteet
Austin County — Bellville; Brazos Country; Industry; San Felipe; Sealy; South Frydek; Wallis
Bailey County — Muleshoe
Bandera County — Bandera
Bastrop County — Bastrop; Elgin; Smithville
Baylor County — Seymour
Bee County — Beeville
Bell County — Belton; Harker Heights; Holland; Little River-Academy; Morgan's Point Resort; Nolanville; Rogers; Salado; Temple; Troy
Bexar County — Alamo Heights; Balcones Heights; Castle Hills; China Grove; Converse; Elmendorf; Fair Oaks Ranch; Grey Forest; Helotes; Hill Country Village; Hollywood Park; Kirby; Leon Valley; Live Oak; Olmos Park; Sandy Oaks; Selma; Shavano Park; Somerset; St. Hedwig; Terrell Hills; Universal City; Von Ormy; Windcrest
Blanco County — Blanco; Johnson City; Round Mountain
Bosque County — Clifton; Cranfills Gap; Iredell; Meridian; Morgan; Valley Mills; Walnut Springs
Bowie County — De Kalb; Hooks; Leary; Maud; Nash; New Boston; Red Lick; Redwater; Texarkana; Wake Village
Brazoria County — Alvin; Angleton; Bailey's Prairie; Bonney; Brazoria; Brookside Village; Clute; Danbury; Freeport; Hillcrest Village; Holiday Lakes; Iowa Colony; Jones Creek; Lake Jackson; Liverpool; Manvel; Oyster Creek; Quintana; Richwood; Sandy Point; Surfside Beach; Sweeny; West Columbia
Brazos County — Bryan; Kurten; Wixon Valley
Brewster County — Alpine
Briscoe County — Quitaque; Silverton
Brooks County — Falfurrias
Brown County — Bangs; Blanket; Brownwood; Early
Burleson County — Caldwell; Snook; Somerville
Burnet County — Bertram; Burnet; Cottonwood Shores; Double Horn; Granite Shoals; Highland Haven; Marble Falls; Meadowlakes
Caldwell County — Lockhart; Luling; Martindale; Mustang Ridge
Calhoun County — Point Comfort; Port Lavaca; Seadrift
Callahan County — Baird; Clyde; Cross Plains; Putnam
Cameron County — Bayview; Combes; Harlingen; Indian Lake; La Feria; Laguna Vista; Los Fresnos; Los Indios; Palm Valley; Port Isabel; Primera; Rancho Viejo; Rio Hondo; San Benito; Santa Rosa; South Padre Island
Camp County — Pittsburg; Rocky Mound
Carson County — Groom; Panhandle; Skellytown; White Deer
Cass County — Atlanta; Avinger; Bloomburg; Domino; Douglassville; Hughes Springs; Linden; Marietta; Queen City
Castro County — Dimmitt; Hart; Nazareth
Chambers County — Anahuac; Beach City; Cove; Mont Belvieu; Old River-Winfree
Cherokee County — Alto; Cuney; Gallatin; Jacksonville; New Summerfield; Reklaw; Rusk; Wells
Childress County — Childress
Clay County — Bellevue; Byers; Dean; Henrietta; Jolly; Petrolia
Cochran County — Morton; Whiteface
Coke County — Bronte; Robert Lee
Coleman County — Coleman; Novice; Santa Anna
Collin County — Allen; Anna; Blue Ridge; Celina; Fairview; Farmersville; Josephine; Lavon; Lowry Crossing; Lucas; Melissa; Murphy; Nevada; New Hope; Parker; Princeton; Prosper; St. Paul; Weston; Wylie
Collingsworth County — Dodson; Wellington
Colorado County — Columbus; Eagle Lake; Weimar
Comal County — Bulverde; Garden Ridge; New Braunfels; Spring Branch
Comanche County — Comanche; De Leon; Gustine
Concho County — Eden; Paint Rock
Cooke County — Callisburg; Gainesville; Lindsay; Muenster; Road Runner; Valley View
Coryell County — Copperas Cove; Evant; Gatesville; Oglesby; South Mountain
Cottle County — Paducah
Crane County — Crane
Crosby County — Crosbyton; Lorenzo; Ralls
Culberson County — Van Horn
Dallam County — Dalhart; Texline
Dallas County — Addison; Balch Springs; Cedar Hill; Cockrell Hill; Coppell; DeSoto; Duncanville; Farmers Branch; Glenn Heights; Highland Park; Hutchins; Lancaster; Mesquite; Richardson; Rowlett; Sachse; Seagoville; Sunnyvale; University Park; Wilmer
Dawson County — Ackerly; Lamesa; Los Ybanez
Deaf Smith County — Hereford
Delta County — Cooper; Pecan Gap
Denton County — Argyle; Aubrey; Bartonville; Copper Canyon; Corinth; Corral City; Cross Roads; DISH; Double Oak; Flower Mound; Hackberry; Hebron; Hickory Creek; Highland Village; Justin; Krugerville; Krum; Lake Dallas; Lakewood Village; Little Elm; Northlake; Oak Point; Pilot Point; Ponder; Providence Village; Roanoke; Sanger; Shady Shores; The Colony; Trophy Club
Dewitt County — Cuero; Nordheim; Yorktown
Dickens County — Dickens; Spur
Dimmit County — Asherton; Big Wells; Carrizo Springs
Donley County — Clarendon; Hedley; Howardwick
Duval County — Benavides; Freer; San Diego
Eastland County — Carbon; Cisco; Eastland; Gorman; Ranger; Rising Star
Ector County — Goldsmith; Odessa
Edwards County — Rocksprings
El Paso County — Anthony; Clint; Horizon City; San Elizario; Socorro; Vinton
Ellis County — Alma; Bardwell; Ennis; Ferris; Garrett; Italy; Maypearl; Midlothian; Milford; Oak Leaf; Ovilla; Palmer; Pecan Hill; Red Oak; Waxahachie
Erath County — Dublin; Stephenville
Falls County — Golinda; Lott; Marlin; Rosebud
Fannin County — Bailey; Bonham; Dodd City; Ector; Honey Grove; Ladonia; Leonard; Ravenna; Savoy; Trenton; Windom
Fayette County — Carmine; Ellinger; Fayetteville; Flatonia; La Grange; Round Top; Schulenburg
Fisher County — Roby; Rotan
Floyd County — Floydada; Lockney
Foard County — Crowell
Fort Bend County — Arcola; Beasley; Fairchilds; Fulshear; Kendleton; Meadows Place; Missouri City; Needville; Orchard; Pleak; Richmond; Rosenberg; Simonton; Stafford; Sugar Land; Thompsons; Weston Lakes
Franklin County — Mount Vernon
Freestone County — Fairfield; Kirvin; Streetman; Teague; Wortham
Frio County — Dilley; Pearsall
Gaines County — Seagraves; Seminole
Galveston County — Bayou Vista; Clear Lake Shores; Dickinson; Friendswood; Galveston; Hitchcock; Jamaica Beach; Kemah; La Marque; League City; Santa Fe; Texas City; Tiki Island
Garza County — Post
Gillespie County — Fredericksburg
Goliad County — Goliad
Gonzales County — Gonzales; Nixon; Smiley; Waelder
Gray County — Lefors; McLean; Pampa
Grayson County — Bells; Collinsville; Denison; Dorchester; Gunter; Howe; Knollwood; Pottsboro; Sadler; Sherman; Southmayd; Tioga; Tom Bean; Van Alstyne; Whitesboro; Whitewright
Gregg County — Clarksville City; Easton; Gladewater; Kilgore; Lakeport; Longview; Warren City; White Oak
Grimes County — Anderson; Bedias; Iola; Navasota; Plantersville; Todd Mission
Guadalupe County — Cibolo; Kingsbury; Marion; New Berlin; Santa Clara; Schertz; Seguin; Staples
Hale County — Abernathy; Edmonson; Hale Center; Petersburg; Plainview
Hall County — Estelline; Lakeview; Memphis; Turkey
Hamilton County — Hamilton; Hico
Hansford County — Gruver; Spearman
Hardeman County — Chillicothe; Quanah
Hardin County — Kountze; Lumberton; Rose Hill Acres; Silsbee; Sour Lake
Harris County — Baytown; Bellaire; Bunker Hill Village; Deer Park; El Lago; Galena Park; Hedwig Village; Hilshire Village; Humble; Hunters Creek Village; Jacinto City; Jersey Village; Katy; La Porte; Morgan's Point; Nassau Bay; Piney Point Village; Seabrook; Shoreacres; South Houston; Southside Place; Spring Valley Village; Taylor Lake Village; Tomball; Webster; West University Place
Harrison County — Hallsville; Marshall; Scottsville; Uncertain; Waskom
Hartley County — Channing
Haskell County — Haskell; O'Brien; Rochester; Rule; Weinert
Hays County — Bear Creek; Buda; Dripping Springs; Hays; Kyle; Mountain City; Niederwald; San Marcos; Uhland; Wimberley; Woodcreek
Hemphill County — Canadian
Henderson County — Athens; Berryville; Brownsboro; Caney City; Chandler; Coffee City; Enchanted Oaks; Eustace; Gun Barrel City; Log Cabin; Malakoff; Moore Station; Murchison; Payne Springs; Poynor; Seven Points; Star Harbor; Tool; Trinidad
Hidalgo County — Alamo; Alton; Donna; Edcouch; Edinburg; Elsa; Granjeno; Hidalgo; La Joya; La Villa; Mercedes; Mission; Palmhurst; Palmview; Penitas; Pharr; Progreso; Progreso Lakes; San Juan; Sullivan City; Weslaco
Hill County — Abbott; Aquilla; Blum; Bynum; Carl's Corner; Covington; Hillsboro; Hubbard; Itasca; Malone; Mertens; Mount Calm; Penelope; Whitney
Hockley County — Anton; Levelland; Opdyke West; Ropesville; Smyer; Sundown
Hood County — Cresson; DeCordova; Granbury; Lipan; Stockton Bend; Tolar
Hopkins County — Como; Cumby; Sulphur Springs; Tira
Houston County — Crockett; Grapeland; Kennard; Latexo; Lovelady
Howard County — Big Spring; Coahoma; Forsan
Hudspeth County — Dell City
Hunt County — Caddo Mills; Campbell; Celeste; Commerce; Greenville; Hawk Cove; Lone Oak; Neylandville; Poetry; Quinlan; Union Valley; West Tawakoni; Wolfe City
Hutchinson County — Borger; Fritch; Sanford; Stinnett
Irion County — Mertzon
Jack County — Bryson; Jacksboro
Jackson County — Edna; Ganado; La Ward
Jasper County — Browndell; Jasper; Kirbyville
Jeff Davis County — Valentine
Jefferson County — Beaumont; Bevil Oaks; China; Groves; Nederland; Nome; Port Arthur; Port Neches; Taylor Landing
Jim Wells County — Alice; Orange Grove; Premont
Johnson County — Alvarado; Briaroaks; Burleson; Cleburne; Coyote Flats; Cross Timber; Godley; Grandview; Joshua; Keene; Rio Vista; Venus
Jones County — Anson; Hamlin; Hawley; Lueders; Stamford
Karnes County — Falls City; Karnes City; Kenedy; Runge
Kaufman County — Combine; Cottonwood; Crandall; Forney; Grays Prairie; Kaufman; Kemp; Mabank; Oak Grove; Oak Ridge; Post Oak Bend; Rosser; Scurry; Talty; Terrell
Kendall County — Boerne
Kent County — Jayton
Kerr County — Ingram; Kerrville
Kimble County — Junction
Kinney County — Brackettville; Spofford
Kleberg County — Kingsville
Knox County — Benjamin; Goree; Knox City; Munday
La Salle County — Cotulla; Encinal
Lamar County — Blossom; Deport; Paris; Roxton; Sun Valley; Toco
Lamb County — Amherst; Earth; Littlefield; Olton; Springlake; Sudan
Lampasas County — Kempner; Lampasas; Lometa
Lavaca County — Hallettsville; Moulton; Shiner; Yoakum
Lee County — Giddings; Lexington
Leon County — Buffalo; Centerville; Jewett; Leona; Marquez; Normangee; Oakwood
Liberty County — Ames; Cleveland; Daisetta; Dayton; Dayton Lakes; Devers; Hardin; Kenefick; Liberty; North Cleveland; Plum Grove
Limestone County — Coolidge; Groesbeck; Kosse; Mexia; Tehuacana; Thornton
Lipscomb County — Booker; Darrouzett; Follett; Higgins
Live Oak County — George West; Three Rivers
Llano County — Horseshoe Bay; Llano; Sunrise Beach Village
Lubbock County — Buffalo Springs Lake; Idalou; New Deal; Ransom Canyon; Shallowater; Slaton; Wolfforth
Lynn County — New Home; O'Donnell; Tahoka; Wilson
Madison County — Madisonville; Midway
Marion County — Jefferson
Martin County — Stanton
Mason County — Mason
Matagorda County — Bay City; Palacios
Maverick County — Eagle Pass
Mcculloch County — Brady; Melvin
Mclennan County — Bellmead; Beverly Hills; Bruceville-Eddy; Crawford; Gholson; Hallsburg; Hewitt; Lacy-Lakeview; Leroy; Lorena; Mart; McGregor; Moody; Riesel; Robinson; Ross; West; Woodway
Medina County — Castroville; Devine; Hondo; LaCoste; Natalia
Menard County — Menard
Milam County — Buckholts; Cameron; Milano; Rockdale; Thorndale
Mills County — Goldthwaite; Mullin
Mitchell County — Colorado City; Loraine; Westbrook
Montague County — Bowie; Nocona; St. Jo
Montgomery County — Conroe; Cut and Shoot; Magnolia; Montgomery; Oak Ridge North; Panorama Village; Patton Village; Roman Forest; Shenandoah; Splendora; Stagecoach; Willis; Woodbranch; Woodloch
Moore County — Cactus; Dumas; Sunray
Morris County — Daingerfield; Lone Star; Naples; Omaha
Motley County — Matador; Roaring Springs
Nacogdoches County — Appleby; Chireno; Cushing; Garrison; Nacogdoches
Navarro County — Angus; Barry; Blooming Grove; Corsicana; Dawson; Emhouse; Eureka; Frost; Goodlow; Kerens; Mildred; Navarro; Oak Valley; Powell; Retreat; Rice; Richland
Newton County — Newton
Nolan County — Blackwell; Roscoe; Sweetwater
Nueces County — Agua Dulce; Bishop; Driscoll; Petronila; Port Aransas; Robstown
Ochiltree County — Perryton
Oldham County — Adrian; Vega
Orange County — Bridge City; Orange; Pine Forest; Pinehurst; Rose City; Vidor; West Orange
Palo Pinto County — Gordon; Graford; Mineral Wells; Mingus; Strawn
Panola County — Beckville; Carthage; Gary City
Parker County — Aledo; Annetta; Annetta North; Annetta South; Cool; Dennis; Hudson Oaks; Millsap; Peaster; Reno; Sanctuary; Springtown; Weatherford; Willow Park
Parmer County — Bovina; Farwell; Friona
Pecos County — Fort Stockton; Iraan
Polk County — Corrigan; Goodrich; Livingston; Onalaska; Seven Oaks
Potter County — Bishop Hills
Presidio County — Marfa; Presidio
Rains County — East Tawakoni; Emory; Point
Randall County — Canyon; Lake Tanglewood; Palisades; Timbercreek Canyon
Reagan County — Big Lake
Real County — Camp Wood; Leakey
Red River County — Annona; Avery; Bogata; Clarksville; Detroit
Reeves County — Balmorhea; Town of Pecos; Toyah
Refugio County — Austwell; Bayside; Refugio; Woodsboro
Roberts County — Miami
Robertson County — Bremond; Calvert; Franklin; Hearne
Rockwall County — Fate; Heath; McLendon-Chisholm; Mobile City; Rockwall; Royse City
Runnels County — Ballinger; Miles; Winters
Rusk County — Henderson; Mount Enterprise; New London; Overton; Tatum
Sabine County — Hemphill; Pineland
San Augustine County — Broaddus; San Augustine
San Jacinto County — Coldspring; Point Blank; Shepherd
San Patricio County — Aransas Pass; Gregory; Ingleside; Ingleside on the Bay; Lake City; Mathis; Odem; Portland; San Patricio; Sinton; Taft
San Saba County — Richland Springs; San Saba
Schleicher County — Eldorado
Scurry County — Snyder
Shackelford County — Albany; Moran
Shelby County — Center; Huxley; Joaquin; Tenaha; Timpson
Sherman County — Stratford; Texhoma
Smith County — Arp; Bullard; Hideaway; Lindale; New Chapel Hill; Noonday; Troup; Tyler; Whitehouse; Winona
Somervell County — Glen Rose
Starr County — Escobares; La Grulla; Rio Grande City; Roma
Stephens County — Breckenridge
Sterling County — Sterling City
Stonewall County — Aspermont
Sutton County — Sonora
Swisher County — Happy; Kress; Tulia
Tarrant County — Azle; Bedford; Benbrook; Blue Mound; Colleyville; Crowley; Dalworthington Gardens; Edgecliff Village; Euless; Everman; Forest Hill; Grapevine; Haltom City; Haslet; Hurst; Keller; Kennedale; Lake Worth; Lakeside; Mansfield; North Richland Hills; Pantego; Pelican Bay; Richland Hills; River Oaks; Saginaw; Sansom Park; Southlake; Watauga; Westlake; Westover Hills; Westworth Village; White Settlement
Taylor County — Buffalo Gap; Impact; Lawn; Merkel; Trent; Tuscola; Tye
Terry County — Brownfield; Meadow; Wellman
Throckmorton County — Throckmorton; Woodson
Titus County — Miller's Cove; Mount Pleasant; Talco; Winfield
Tom Green County — San Angelo
Travis County — Bee Cave; Briarcliff; Creedmoor; Jonestown; Lago Vista; Lakeway; Manor; Pflugerville; Point Venture; Rollingwood; San Leanna; Sunset Valley; The Hills; Volente; Webberville; West Lake Hills
Trinity County — Groveton; Trinity
Tyler County — Chester; Colmesneil; Ivanhoe; Woodville
Upshur County — Big Sandy; East Mountain; Gilmer; Ore City; Union Grove
Upton County — McCamey; Rankin
Uvalde County — Sabinal; Uvalde
Val Verde County — Del Rio
Van Zandt County — Canton; Edgewood; Edom; Fruitvale; Grand Saline; Van; Wills Point
Victoria County — Victoria
Walker County — Huntsville; New Waverly; Riverside
Waller County — Brookshire; Hempstead; Pattison; Pine Island; Prairie View; Waller
Ward County — Barstow; Grandfalls; Monahans; Pyote; Thorntonville; Wickett
Washington County — Brenham; Burton
Webb County — El Cenizo; Rio Bravo
Wharton County — East Bernard; El Campo; Wharton
Wheeler County — Mobeetie; Shamrock; Wheeler
Wichita County — Burkburnett; Cashion Community; Electra; Iowa Park; Pleasant Valley; Wichita Falls
Wilbarger County — Vernon
Willacy County — Lyford; Raymondville; San Perlita
Williamson County — Bartlett; Cedar Park; Coupland; Florence; Georgetown; Granger; Hutto; Jarrell; Leander; Liberty Hill; Taylor; Thrall; Weir
Wilson County — Floresville; La Vernia; Poth; Stockdale
Winkler County — Kermit; Wink
Wise County — Alvord; Aurora; Boyd; Bridgeport; Chico; Decatur; Lake Bridgeport; New Fairview; Newark; Paradise; Rhome; Runaway Bay
Wood County — Alba; Hawkins; Mineola; Quitman; Winnsboro; Yantis
Yoakum County — Denver City; Plains
Young County — Graham; Newcastle; Olney
Zavala County — Crystal City

Auto and home insurance in Texas: FAQ

What is the minimum car insurance in Texas?

Liability of 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing).

What is the average homeowners premium in Texas?

The NAIC reported a 2023 Texas HO-3 average of $2,864, 1st highest of the ten states we cover; the countrywide average was $1,737.

Can I bundle auto and home in Texas?

Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.

Who regulates insurance in Texas?

The Texas Department of Insurance licenses insurers, handles complaints, and publishes consumer guides.

Sources

NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance
NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4
U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter
U.S. Census Bureau Vintage 2024 city population estimates
Texas Department of Insurance

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Last updated October 15, 2026 · How we research