The Best Cheap Renters Insurance Quotes in Texas (2024)
Amica has the cheapest renters insurance in Texas, at $19 per month on average.
Compare Cheap Renters Insurance Quotes in Texas
Best Cheap Renters Insurance in TX
ValuePenguin editors found the best cheap renters insurance companies in Texas by looking at rates, customer satisfaction, coverage options and discounts.
Our experts calculated average renters insurance rates by gathering quotes from six top companies across 25 of Texas' largest cities.
Cheapest renters insurance in Texas
The average cost of renters insurance in Texas is $25 per month for $30,000 of coverage for your stuff.
The cheapest renters insurance rates in Texas comes from Amica, where a policy costs $19 per month. That's 25% cheaper than the statewide average.
Lemonade is just a little more expensive than Amica — its prices are less than a dollar higher per month.
Find Cheap Renters Insurance Quotes in Texas
There's a large difference in price across renters insurance companies in Texas. The most expensive renters insurance company, Farmers, costs 70% more than Amica and Lemonade. That's a difference of about $33 per month.
Cheapest renters insurance companies in Texas
Company | Monthly cost | ||
|---|---|---|---|
| Amica | $19 | |
| Lemonade | $19 | |
| State Farm | $22 | |
| Progressive | $28 | |
| Assurant | $29 | |
Best renters insurance in Texas for most people: Amica
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Editor's rating
- Cost: $19/mo
Amica has the best prices for renters insurance in Texas, plus excellent customer service.
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Cheapest rates in Texas
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Great customer service
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Few extra coverages
Amica is the best renters insurance company for most people in Texas. It has the best prices for renters insurance in the state, at about $19 per month. That's 25% cheaper than the state average price.
You'll also find industry-leading customer service at Amica. It gets far fewer complaints than other insurance companies, according to the NAIC. That means most renters insured with Amica are happy with their experience working with the company. It also received a high score from ValuePenguin editors based on its policy offerings, customer service reviews and the value it provides renters.
Best online experience: Lemonade
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Editor's rating
- Cost: $19/mo
Lemonade has affordable prices, plus a great online experience and coverage options.
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Cheap quotes
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Easy online tools and smartphone app
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Many extra coverage options
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Lots of customer complaints
Lemonade has very affordable renters insurance, at $19 per month for $30,000 of personal property coverage. It's only a few cents more per month than Amica, the cheapest option in Texas.
You can save even more on your Lemonade policy by putting burglar and smoke alarms in your rental unit and by bundling your renters and auto insurance. Texas is one of the few states where Lemonade offers car insurance, and its car insurance prices are very cheap.
Lemonade makes getting a quote easy with its digital-first approach to selling insurance. It only takes a few minutes to get a quote or file a claim online, and its mobile app is intuitive to use. However, you won't get the same level of personalized service offered by a local agent.
Lemonade has a mixed reputation for customer service. It scored well on a recent J.D. Power survey for customer satisfaction among top renters insurance companies. However, Lemonade gets far more complaints than an average company according to the National Association of Insurance Commissioners (NAIC), an industry group. This suggests you may have trouble getting a prompt payout when you're filing a claim.
Best renters insurance near the Gulf Coast: State Farm
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Editor's rating
- Cost: $22/mo
State Farm sells insurance to coastal areas some insurers won't always cover, and has useful hurricane coverage options.
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Sells insurance in hurricane-prone areas
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High customer satisfaction
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Good renters-auto bundling discount
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Flood insurance available
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Average prices
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Few discounts
State Farm is the best renters insurance for people who live on the Gulf Coast.
While some renters insurance companies aren't willing to sell policies to people who live near the coast, State Farm offers coverage to residents of cities like Corpus Christi, Brownsville and Pasadena.
You can also find useful coverage options related to hurricanes and flooding at State Farm. For example, your State Farm agent will also be able to sell you a government-backed flood insurance policy to protect your belongings from water damage. Regular renters insurance doesn't cover flooding, so this is crucial if you live in a flood zone.
Prices at State Farm are about average, at $22 per month for $30,000 of coverage for the things you own. That's 11% cheaper than the Texas state average. You may be able to reduce what you pay by link url="/how-bundle-your-car-insurance-and-renters-insurance" title="How to Get Discounts Bundling Auto & Renters Insurance"]bundling your auto and renters insurance together[/link]. However, State Farm doesn't offer many other discounts.
State Farm has middle-of-the-road customer service. Customers recently rated it well in a survey by J.D. Power, but it receives slightly more complaints than a typical insurance company.
It's important to choose a renters insurance company with good service because you're less likely to have problems when you file a claim.
Renters insurance in Texas: rates by city
Renters in Houston pay the highest rates in the state, at $32 per month.
In addition to being among the biggest cities in Texas, Houston's location on the Gulf Coast makes it vulnerable to hurricanes, increasing rates.
In comparison, renters in Arlington have the cheapest renters insurance among major cities in Texas — $20 per month, on average.
City | Monthly rate | % from average |
|---|---|---|
| Amarillo | $21 | -15% |
| Arlington | $20 | -22% |
| Austin | $22 | -14% |
| Brownsville | $31 | 24% |
| Carrollton | $25 | 0% |
Tips for getting cheap renters insurance in Texas
Compare quotes, use discounts and find your coverage needs to get the lowest price on renters insurance in Texas.
Add up the cost of all your belongings. The total value of your possessions is the amount of coverage, called personal property coverage, you need to buy.
A higher property coverage limit costs more, but if you file a claim you'll never be paid more than the value of your stuff. Lowering your limit will reduce the amount you pay each month.
You can save hundreds of dollars per year by comparing quotes. The most expensive renters insurance company in Texas, Farmers, costs $159 per year more than the cheapest company, Amica, for the same level of coverage.
It's also a good idea to compare quotes each year because rates can change over time. The cheapest company last year might not be the cheapest anymore.
Most Texas renters insurance companies offer discounts.
One of the best discounts for renters insurance is bundling your renters insurance together with your car insurance, or another kind of coverage. Insurance companies essentially give you a buy-in-bulk discount for getting multiple policies.
Common renters insurance discounts
- Pay in full/autopay discount
- Buy in advance discount
- Military discount
- Paperless discount
- Discounts for switching or loyalty
Common natural disasters in Texas
The most common disasters in Texas are coastal storms and tornadoes.
Does renters insurance cover hurricanes in Texas?
Renters insurance covers damage from hurricanes if it is wind-related, but doesn't pay for damage from flooding.
Wind damage is one of the main causes of damage covered by renters insurance, so you will almost always be reimbursed for damage from flying debris, a fallen tree, or other damage from hurricane winds.
However, flooding from rain or floodwaters is essentially never covered by renters insurance. If you live near the coast and are concerned about flooding, consider buying flood insurance in addition to your renters policy, especially if you live in a house or first-floor apartment in an area at risk for flooding.
Does renters insurance cover tornadoes in Texas?
Yes, tornado damage is covered by renters insurance.
Tornado winds, as well as hail, are covered by renters insurance. Wind is one of the standard causes of damage that's always included on renters insurance.
You'll also be covered if the tornado breaks a window, allowing water in — so long as wind caused the original damage.
However, renters insurance never covers damage to your car, from a tornado or anything else. If you have to park your car outside, consider buying comprehensive coverage on your car insurance. This pays for damage to your car from tornadoes, fires, as well as theft.
Frequently asked questions
How much is renters insurance in Texas?
The average cost of renters insurance in Texas is about $25 per month. That's 11% more expensive than the national average.
How much does renters insurance cost in Corpus Christi?
Renters in Corpus Christi can expect to pay $31 per month for renters insurance, which is 23% more than the state average.
Is renters insurance required in Texas?
No renters insurance is not required in Texas., However, your landlord or property management company may require you to purchase a policy.
Who has the cheapest renters insurance in Texas?
Amica offers the cheapest renters insurance in Texas. At $19 per month, it's 25% cheaper than the state average.
Methodology
ValuePenguin collected more than 140 quotes from across 25 major cities in Texas for a single 30-year-old woman who has never filed a renters insurance claims. Coverage limits include:
- $30,000 of personal property coverage
- $9,000 for loss of use
- $500 deductible
- $100,000 of personal liability
- $1,000 of medical payments to guests
Customer service ratings were created using cost data, information from the National Association of Insurance Commissioners (NAIC) complaint index scores and J.D. Power's 2023 renters insurance customer satisfaction study rankings.
These rates should be used for comparative purposes only. Your quotes will likely differ.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.