Texas Home Insurance: Our pick is Allstate at $204/mo
Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.
The pick: Allstate at $204/mo for Texas home (filed 2025-12-01). Across 1 recent carrier filings, this is the lowest baseline. For most Texas drivers this is the right starting point; your specific quote depends on your ZIP, age, vehicle, and record.
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Why this pick
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.
Recent Texas home filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Allstate | $204/mo | 2025-12-01 | State DOI |
How PolicyChat sources this data
Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/
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