Texas Renters Insurance: $18/mo NAIC baseline

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

Texas renters insurance averages $18/mo (NAIC 2023 published baseline). No new Texas filings in the past 30 days, so the baseline is the best available reference point.

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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.

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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