Texas Renters Insurance: $18/mo NAIC baseline (2026)

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

PolicyChat Rate Authority aggregates three public + licensed sources, with per-record provenance. Every rate cited on this page links to its source filing.

• State DOI / SERFF filings — public rate filings, refreshed daily.
• NAIC published averages — annual state aggregates (currently 2023, latest released).
• Licensed partner feeds (EverQuote, LendingTree) — real-time per-profile quotes when a user walks through Sage.

Methodology: /methodology/rate-authority/

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