Texas Home Insurance Rates (2026): Allstate files lowest at $204/mo
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, averaging $204/mo. The 2023 NAIC state-average baseline is $192/mo for reference.
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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.
A few state-specific dynamics worth knowing:
- 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 filings + market moves:
- State Farm filed a 7.2% TX auto rate increase effective February 2026 (SFG-TX-2025-AUTO-04).
- Allstate filed an 11.4% TX home rate increase effective December 2025 (ALL-TX-2025-HOME-02).
Recent Texas home rate filings
Most recent publicly-filed rate changes from state DOI / SERFF. Each row is one carrier’s filed-baseline rate as of the effective date — not a personalized quote. Filing IDs link to the source filing.
| Carrier | Filed Rate | Effective | Filing | Source |
|---|---|---|---|---|
| Allstate | $204/mo | 2025-12-01 | filing | State DOI |
Best Texas home insurance by driver profile
The “best” home carrier in Texas depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 1 recent filings + the 2023 NAIC baseline.
Best for high-value homes ($750K+) in Texas: Chubb and PURE specialize in high-net-worth coverage. Standard carriers cap dwelling coverage well below the replacement cost on these properties.
Best for standard single-family homes in Texas: Allstate files among the most competitive baseline rates in the standard market.
Best for older homes / specialty risks in Texas: Travelers and Liberty Mutual will underwrite properties that more conservative carriers decline.
Texas home insurance — what affects your rate
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-coverage premium: home age + construction (post-2000 build to current IBC code rates significantly cheaper), distance to fire department and hydrant, and roof age (some carriers exclude or surcharge 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). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Which carriers have filed recent Texas home rate changes?
PolicyChat’s ledger has recorded filings from Allstate in the past 30 days. See the table above for filed rates and effective dates. Each row links to the source filing where the carrier published its actuarial justification.
Why are Texas home insurance rates high?
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.
How can I lower my Texas home insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Use Sage to get personalized quotes in 60 seconds: Start Sage
How PolicyChat sources this data
PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. PolicyChat Rate Authority pulls daily; filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes pulled when a user walks through Sage.
Methodology: /methodology/rate-authority/
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