Texas Home Insurance: Allstate files lowest at $204/mo (2026)
Cheapest filed home rate in Texas right now: Allstate at $204/mo (effective 2025-12-01). Across 1 recent carrier filings, baseline rates range $204-$204/mo. The 2023 NAIC state-average baseline is $192/mo.
Get your specific Texas home quote in 60 seconds →
Why rates in Texas look the way they do
Texas homeowners pay among the highest premiums in the country ($2,306/yr NAIC 2023) because of hail risk on the Caprock plains and hurricane risk on the Gulf — but auto is below the national average at $1,721/yr thanks to competitive filings.
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
Three state-specific dynamics that drive rates here:
- File-and-use means rate changes are effective on filing, not after regulator approval.
- Hailstorm losses on the Caprock + I-35 corridor drive home rates; Houston/Galveston wind exposure drives coastal rates.
- Texas requires only $30K/$60K/$25K auto liability — well below the national norm of $50K/$100K.
Recent Texas home rate filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Allstate | $204/mo | 2025-12-01 | State DOI |
Best Texas home insurance by driver profile
Best for high-value homes ($750K+) in Texas: Chubb and PURE specialize in high-net-worth coverage.
Best for standard single-family homes: Allstate files among the most competitive baselines.
What drives Texas home insurance rates
Texas is a file-and-use state with one of the most carrier-competitive auto markets in the country. The Texas Department of Insurance doesn’t pre-approve rate changes — carriers file and the rates are effective immediately unless TDI later orders a hearing.
Three factors drive most of the dwelling premium: home age + construction class, distance to fire department, and roof age (some carriers exclude roofs over 15 years).
Frequently asked: Texas home insurance
How much does home insurance cost in Texas?
The 2023 NAIC published average is $2,306/year (about $192/mo). Current carrier-filed rates typically run 10-25% above this baseline.
Which carriers have filed recent Texas home rate changes?
Allstate in the past 30 days. The table above shows filed rates and effective dates.
How can I lower my Texas home bill?
Compare quotes across carriers. Rate differences for the same profile commonly run 30-50%. Start Sage
How PolicyChat sources this data
Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/
Get your specific Texas home quote in 60 seconds with Sage →