Average Homeowner Insurance Rates for Houston, Texas

Average Annual Insurance Rate
$2885


The Cheapest Homeowner Insurance Rates for Houston, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $1121
Kemper Insurance $1509
USAA $1524
Allstate $1704
National Specialty Insurance $1705
USAA - Garison Property $1776
Homesite Insurance $1897
USAA $1999
American Mercury $2010
Travelers Insurance $2090



The Most Popular Home Insurance Providers in Houston, Texas

Provider Annual Insurance Rate
Liberty Insurance $6382
Nationwide $2979
State Farm $4614
Texas Farmers Insurance $2405



Does credit score affect Houston home insurance rates?

Credit Score Average Annual Insurance Rate
bad $3700
average $2885
good $2480
Yes! Your credit rating can impact the price you pay for Houston homeowners Insurance up to $1220 per year. Our analysis shows Houston home insurance shoppers with poor credit will pay up to 49% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 33% higher than people with average credit and average credit rate shoppers will pay 16% higher rates than shoppers with good credit.

Does Building Construction affect Houston home insurance rates?

Construction Type Average Annual Insurance Rate
frame $3155
Stucco/Hardie $2889
Brick Veneer $2780
Your home construction style may also impact the price you pay for Houston homeowners Insurance up to $375 per year. Houston home insurance shoppers with frame style construction pay up to 13% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay 4% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Houston?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $2000
10 Year(s) Old $2780
35 Year(s) Old $3115
Your home age impacts the price you pay for Houston homeowners Insurance up to $1115 per year. Houston home insurance shoppers with older homes pay 56% higher rates than new homes while homeowners with homes less than 30 years old will pay 39% higher rates than new construction homes.