Best Cities in Texas For Cheap Home Insurance

Whether you live in a modern home in the heart of the Dallas-Fort Worth Metroplex or a coastal beachfront home in Corpus Christi, having the right home insurance policy in place can help protect your home and everything in it. While affordable homeowners insurance policies in Texas can be an advantage, it’s important to ensure the coverage you get is tailored to your home’s needs. Comparing different home insurance providers based on their premiums, customer service, ability to pay claims, and coverage options can help you find a policy that is suitable for your home.

To help you find the best policy that fits your needs and budget, we put together a list of insurance providers in Texas with the cheapest homeowners insurance based on the Lone Star State’s most populated cities.

CityCheapest Home Insurance Averages
Austin$1,990
El Paso$2,045
San Antonio$2,109
Laredo$2,235
Lubbock$3,150
Dallas$3,184
Houston$3,203
Arlington$3,284
Fort Worth$3,284
Corpus Christi$5,034

*We used the Texas Department of Insurance to calculate premiums. Methodology is based on the most popular zip code in each county for each city for a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and worth between $200,000-$350,000, and also includes windstorm coverage.

Coming in first place for the cheapest home insurance policies based on our TDI data is Austin, Texas, which averages about $1,990 per year for home insurance followed by El Paso, Texas with $2,045, and San Antonio, Texas rounding out the top three at $2,109. Cities like Arlington, Texas Fort Worth, Texas, and Corpus Christi, Texas have the most expensive home insurance premiums. Regardless of where you live, your rates can vary and these are just mere averages. What’s important is that you aren’t overpaying for insurance, and your policy provides all the coverage you need so you can avoid paying out of pocket for damages. 

The Five Cheapest Cities for Home Insurance in Texas

Based on the averages, Austin, Texas, El Paso, Texas, San Antonio, Texas, Laredo, Texas, and Lubbock, Texas all rank lowest in cheapest home insurance premiums. But, we bet you’re curious to see which carriers are offering some of those great rates! Let’s breakdown which carriers are the cheapest: 

Cheapest Home Insurance Providers in Austin, Texas 

Insurance ProvidersYearly Home Premium Averages
Texas Fair Plan Association$1,135
Allstate$1,168
USAA General Indemnity Company$1,236
Texas Farm Bureau$1,244
Nationwide$1,275

Cheapest Home Insurance Providers in El Paso, Texas 

Insurance ProvidersYearly Home Premium Averages
Nationwide$972
Texas Fair Plan$1,141
Mercury$1,262
Texas Farm Bureau $1,416
Farmers$1,500

Cheapest Home Insurance Providers in San Antonio, Texas 

Insurance ProvidersYearly Home Premium Averages
Texas Farm Bureau$1,316
Nationwide$1,408
Esurance$1,426
Homesite$1,463
Mic General $1,484

Cheapest Home Insurance Providers in Laredo, Texas

Insurance ProvidersYearly Home Premium Averages
USAA General Indemnity Company$1,083
USAA$1,241
Garrison$1,286
ASI Lloyds$1,373
Nationwide$1,518

Cheapest Home Insurance Providers in Lubbock, Texas 

Insurance ProvidersYearly Home Premium Averages
Homesite$1,894
USAA General Indemnity Company$1,940
Nationwide$2,061
Mercury$2,111
MIC Insurance$2,150
*Methodology from HelpInsure: Based on the most popular zip code in each county for each city, a homeowner with average credit, owns their home, no claims within the past 5 years, age of house is 10 to 34 years made of brick and worth between $200,000-$350,000, and also includes windstorm coverage.

Easy Ways to Save on Your Homeowners Insurance Policy

The price you pay for homeowners insurance can vary from different factors such as the location of your home, credit score, claims history, and more. Some of these factors are out of your control but others can help you save money. According to the Insurance Information Institute, here are some ways homeowners can save on their home premiums each year.

  • Increase your deductible- Your deductible is the amount you pay before your provider pays the rest for the damages. If you raise your deductible, then you’ll pay less for your premium. 
  • Bundle different policies- Many insurance providers offer different insurance policies, so if you purchase two or more policies from the same provider you may qualify for bundling discounts. 
  • Improve your credit score- Some insurance providers offer discounts for homeowners who have a good credit score. A good credit score ranges from 670 to 800.
  • The age of your home- Some providers offer discounts for homeowners who live in a house that is less than 10 years old because they have a lesser chance of filing a claim when compared to an older home with aged plumbing, heating, and cooling systems, wiring, etc.
  • Ask about discounts for home security devices- Most providers offer discounts for installing security devices such as smoke detectors, burglar and fire alarm systems, or dead-bolt locks.
  • Seek out other types of discounts- Each provider offers their own set of discounts so be sure to ask for any type of discount. For example, if you’re 55+ and retired or you updated your plumbing or electrical systems you may qualify for a price cut.
  • Compare rates from different providers- Comparison shopping to see which provider has the best rate can help you save major bucks. Comparing home premiums can be a tedious process and at TGS Insurance Agency we do all the hard work for you by shopping your policy through our bank of 35+ A-rated (or better) carriers to secure you the best deal on the market. Our agents specialize in finding you the best home insurance policy rates that offer coverage tailored to your home’s needs.

Texan Homeowners Save More With TGS Insurance

No matter where you live in Texas, having the proper home insurance coverage can financially protect you, your home, and personal possessions. It offers a wide range of protection, but you shouldn’t have to overpay for full coverage.

Talk to a TGS Insurance today about what savings you could get when we shop and compare your rates! Get your hassle-free quote in just 15 seconds or less using your address now. Over 14,000 Texans are already saving on home insurance with TGS Insurance, how much will you be saving? 

About Marissa Cunningham

Marissa has been a content writer for TGS Insurance for over a year and has a genuine passion for writing. She strives to provide engaging and informative content that covers the ins and outs of the insurance industry. In her spare time, Marissa enjoys listening to music, cooking, and traveling.