Lewisville, TX
Lewisville, TX car and homeowners insurance
How Lewisville households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Lewisville: 46% of households are homeowners, and 70% of commuters drive alone. With a population near 135,983, that adds up to a lot of households insuring a house and at least one vehicle.
Lewisville driving profile
| Measure | Lewisville | Texas |
|---|---|---|
| Drive alone to work | 70% | 71% |
| Carpool | 8% | 10% |
| Work from home | 19% | 14% |
| Commute of 45 minutes or more | 11% | 17% |
| Commute under 15 minutes | 23% | 25% |
| Households with no vehicle | 5% | 5% |
| Households with 3 or more vehicles | 18% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are shorter in Lewisville than statewide: 11% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 19% of Lewisville workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
18% of Lewisville households keep three or more vehicles, and 5% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Lewisville
Homes in Lewisville carry a median value of $378,500 and a median construction year of 1997. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
For context, the NAIC's 2023 average HO-3 premium in Texas was $2,734 for homes insured in the $350,000–$399,999 range, and $2,864 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Lewisville
Texas requires liability limits of at least 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Those are floors; with Lewisville's median home value at $378,500, most homeowners choose much higher liability limits to protect their equity.
Should Lewisville homeowners bundle?
A bundle can simplify life in Lewisville: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Lewisville cars and homes
Insurers in Texas price for Gulf hurricanes near the coast and flash flooding. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
How Lewisville compares in Texas
Denton: 67% drive alone, 16% commute 45+ minutes, median home $348,200. Carrollton: 65% drive alone, 10% commute 45+ minutes, median home $381,000. Houston shows 13% working from home and a median home value of $277,800. For share of 45-minute-plus commutes, Lewisville is 16th of 30 Texas cities on this site.
Lewisville quote checklist
- Mortgage company for the home
- VINs from registrations or the dashboard
- Commute distance and typical yearly miles
- Liability limits you want
- Recent claims or violations
- Drivers' names and dates of birth
Lewisville auto and home insurance FAQ
What auto insurance is required in Lewisville?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Lewisville drivers have long commutes?
About 11% of Lewisville workers commute 45 minutes or more and 23% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Lewisville?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
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Last updated October 15, 2026 · How we research