Best and Cheapest Renters Insurance in Texas for 2025

Save big on the best and cheapest renters insurance in Texas with top insurers such as USAA, State Farm, and Travelers, with rates starting at $23 a month.

Renters insurance in Texas is essential since your landlord's policy only covers the building — not your belongings like furniture or electronics. It also provides liability protection for injuries on your property.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$23	A++	Military Benefits	USAA
	#2	$33	B	Comprehensive Coverage	State Farm
	#3	$37	A++	Customizable Options	Travelers
	#4	$39	A++	Competitive Rates	Geico
	#5	$45	A+	Broad Availability	Progressive
	#6	$51	A	Policy Flexibility	Farmers
	#7	$57	A+	Financial Stability	Nationwide
	#8	$65	A	Customer Service	American Family
	#9	$66	A	Diverse Discounts	Liberty Mutual
	#10	$75	A+	Bundling Savings	Allstate

For those wondering who has the cheapest renters insurance, the key is to compare quotes from multiple providers. Understanding the reasons all 20-somethings need renters insurance can help you secure affordable coverage without sacrificing protection. Use comparison tools to find cheap renters insurance that fits your budget.

What You Should Know

• USAA offers the cheapest coverage at $23 monthly
• Texas college students in off-campus housing need separate policies
• Most policies include coverage for hotel stays during home displacement

#1 – USAA: Best for Military Benefits

Pros

• Budget-Friendly Premium: Texas military families can get comprehensive coverage for only $23 a month, the lowest rate in the state.
• Service Member Perks: Active-duty personnel stationed in Texas receive specialized deployment coverage and military uniform protection at no additional cost.
• Superior Financial Rating: Our USAA renters insurance review confirms their A++ rating, which ensures Texas policyholders experience hassle-free claims processing during catastrophic events.

Cons

• Strict Membership Requirements: Many Texas residents cannot access these low-cost policies unless they have direct military connections or a family service history.
• Digital-First Approach: Rural Texas customers sometimes struggle with limited in-person service options when complex policy questions arise.

#2 – State Farm: Best for Comprehensive Coverage

Pros

• Robust Property Protection: Texas renters receive extensive personal property coverage at $33 monthly with higher limits than competitors offer.
• Agent Accessibility: Unlike online-only insurers, State Farm renters insurance review highlights their network of local Texas agents available for face-to-face consultations.
• Affordable Coverage Scaling: Renters in high-value Texas apartments can increase coverage for only $57 more monthly.

Cons

• Financial Stability Issue: The B financial rating is a concern regarding State Farm's ultimate claims-paying capacity for Texas catastrophes over the long term.
• Outdated Digital Experience: Texas policyholders often encounter frustrating limitations when attempting to manage policies through State Farm's online portal.

#3 – Travelers: Best for Customizable Options

Pros

• Versatile Protection Packages: The Travelers renters insurance review demonstrates how Texas renters can build personalized coverage starting at $37 monthly.
• Full-Value Replacement Guarantee: Unlike many competitors, Travelers reimburses Texas policyholders for new items without deducting for depreciation.
• Multi-Tier Deductible Choices: Renters across Texas have a choice of different deductibles to weigh monthly premiums against out-of-pocket costs.

Cons

• Overwhelming Coverage Options: New Texas renters frequently get bogged down in Travelers' numerous customization options without professional advice.
• Inconsistent Claims Experience: Texas customers of the company occasionally claim a longer processing time than its service in other states.

#4 – Geico: Best for Competitive Rates

Pros

• Transparent Pricing Structure: The Geico renters insurance review highlights how Texas renters receive clear, upfront pricing at $39 monthly without hidden fees.
• Rock-Solid Financial Support: With an A++ rating, Geico provides Texas residents peace of mind even during widespread disaster scenarios.
• User-Friendly Technology: Texas policyholders routinely compliment Geico's easy-to-use mobile app for simple policy management and claim filing.

Cons

• One-Size-Fits-All Policies: Texas renters with unique coverage needs find Geico's standardized policies lack important customization options.
• Actual Cash Value Limitation: When theft occurs in Texas apartments, Geico only reimburses the depreciated value of stolen items, not the replacement cost.

#5 – Progressive: Best for Broad Availability

Pros

• Statewide Coverage Guarantee: The Progressive renters insurance review notes they serve all Texas regions, including remote areas other insurers avoid.
• Value-Oriented Protection: At $45 monthly, Texas renters receive substantial coverage without paying premium prices for standard protection.
• Multi-Policy Discount Potential: Combining auto and renters policies saves Texas customers up to 8% on both premiums simultaneously.

Cons

• Limited Identity Protection: As cybercrime increases across Texas, Progressive customers must purchase separate identity theft coverage that is not included in the standard.
• Middle-Ground Service Quality: Texas policyholders generally receive sufficient but seldom superior customer service in comparison to more expensive competitors.

#6 – Farmers: Best for Policy Flexibility

Pros

• Customizable Coverage Tiers: The Farmers renters insurance review showcases their three distinct policy levels, allowing Texas renters to match protection to needs.
• Generous Discount Combinations: Renters in Texas qualifying for multiple discounts can reduce their $51 monthly premium by up to 39%.
• Enhanced Displacement Protection: When disasters strike Texas properties, Farmers provides superior temporary housing coverage beyond standard policy limits.

Cons

• Premium Price Point: Cost-conscious Texas renters may struggle to justify the $51 per month entry-level over cheaper alternatives.
• Geographic Service Variation: Customer experience quality differs greatly across urban and rural Texas areas as a result of uneven agent training.

#7 – Nationwide: Best for Financial Stability

Pros

• Ironclad Financial Foundation: The Nationwide renters insurance review emphasizes how their A+ rating protects Texas customers even during catastrophic claim periods.
• All-Inclusive Standard Policy: Unlike competitors requiring add-ons, Texas renters receive comprehensive coverage built into their $57 monthly premium.
• Adaptable Coverage Growth: As Texas renters acquire more valuable possessions, Nationwide's brand extension program easily scales protection accordingly.

Cons

• Higher Cost Structure: Value-seeking Texas customers must weigh Nationwide's premium pricing against potentially better rates from competitors.
• Documentation-Heavy Claims: After property damage occurs, Texas policyholders must navigate more extensive paperwork requirements than with most other insurers.

#8 – American Family: Best for Customer Service

Pros

• Dedicated Personal Agents: American Family renters insurance review highlights how each Texas customer receives a dedicated local agent for personalized service.
• Built-In Identity Safeguards: Texas renters automatically receive identity theft protection that other insurers charge extra to include.
• Swift Claims Resolution: When disasters affect Texas properties, American Family consistently processes claims faster than industry average timeframes.

Cons

• Premium Pricing Model: Renters in Texas pay $65 a month, much more than they would under budget-friendly rivals offering comparable protection.
• Limited Discount Availability: Texas policyholders qualify for fewer total discount opportunities compared to companies offering more extensive savings programs.

#9 – Liberty Mutual: Best for Diverse Discounts

Pros

• Comprehensive Discount Program: Liberty Mutual renters insurance review reveals how Texas customers can combine up to five different discounts simultaneously.
• Claims-Free Reward System: Texas renters maintaining claim-free records earn the industry's highest discount at 20% off their monthly premium.
• Advanced Identity Protection: Unlike basic coverage elsewhere, Liberty Mutual offers Texas residents comprehensive fraud monitoring and restoration services.

Cons

• Elevated Starting Rates: New Texas policyholders face steep $66 monthly premiums before any discounts are applied to reduce costs.
• Inconsistent Digital Platform: The quality of the online experience varies widely for Texas customers depending on their device type and internet connection.

#10 – Allstate: Best for Bundling Savings

Pros

• Industry-Leading Bundle Discount: Allstate renters insurance review confirms Texas customers save up to 17% when combining auto and renters policies.
• Comprehensive Protection Package: Despite higher costs, Texas renters receive the most thorough standard coverage among all reviewed companies.
• Progressive Loyalty Benefits: The longer Texas residents maintain their policies, the more substantial their loyalty discounts become over time.

Cons

• Top-Tier Pricing: At $75 monthly, Texas renters pay the highest base premium among all major providers in the state.
• Challenging Policy Navigation: Many Texas customers report difficulty understanding Allstate's complex coverage terms and policy exclusions without agent assistance.

Compare Texas Renters Insurance Monthly Rates

If you're looking for cheap renters insurance in Texas that residents can trust, USAA offers some of the most affordable rates; the company's prices fall well below the average cost of renters insurance in Texas.

Below is a comparison of renters' insurance monthly rates in Texas, which will help you see who has the cheapest renters insurance policies.

Insurance Company	Monthly Rates
	$75
	$65
	$51
	$39
	$66
	$57
	$45
	$33
	$37
	$23

For those wondering how much is renters insurance in Texas, several factors can influence your insurance rates, depending on your individual circumstances. You can find the best renters insurance near you through these companies, also making them a top choice for the best renters insurance for apartments in Texas.

Renters Insurance Texas Coverage Options

Renters insurance Texas policies provide essential protections that many tenants overlook. All major insurers offer personal property coverage safeguarding belongings against theft, fire, and water damage – critical for apartment renters insurance in Texas, where weather events can be severe.

Every provider includes additional living expenses coverage, meaning renters insurance can cover hotel stays when your home becomes uninhabitable after covered disasters. This benefit proves especially valuable during Texas's unpredictable storm seasons.

Insurance Company	Personal Property	Additional Living Expenses	Medical Payments to Others	Replacement Cost	Identity Theft
	✅	✅	✅	❌	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅
	✅	✅	✅	❌	✅
	✅	✅	✅	✅	✅

Medical payments to others coverage protects you if guests sustain injuries in your rental. Most insurers, except Geico, offer replacement cost coverage, reimbursing the full price of replacing items rather than depreciated value.

For additional protection, many companies provide identity theft coverage as valuable add-ons, with Allstate and Travelers excluding this option. Farmers stand out with enhanced coverage of additional living expenses, offering Texas renters extra protection against displacement. Choose add-ons that match your specific needs.

Get Cheap Renters Insurance in TX & Maximize Discounts

Finding the best renters insurance in Texas starts with comparing discounts from top providers. State Farm offers a 20% bundling discount, while Farmers provides up to 25% off for claim-free customers. To learn how to get cheap renters insurance, take advantage of loyalty programs, set up AutoPay for a 7% discount, and explore family or spouse savings for additional reductions.

Insurance Company	Bundling	Claim-Free	Early Payment	AutoPay	Family/Spouse
	15%	20%	13%	7%	2%
	10%	22%	13%	7%	5%
	12%	25%	13%	7%	3%
	18%	15%	13%	7%	4%
	14%	20%	13%	7%	5%
	11%	18%	13%	7%	3%
	16%	21%	13%	7%	7%
	20%	24%	10%	6%	3%
	13%	16%	13%	7%	5%
	10%	23%	13%	7%	2%

Companies like American Family and Allstate also reward safe renters with claim-free discounts, offering 22% and 20% off, respectively. In addition to the discounts mentioned above, you can lower your Texas renters insurance premium by raising your deductible or accurately assessing the value of your personal property. By stacking these offers, you can lower your monthly premium while securing quality coverage for your Texas rental home.

Read More: Does staying loyal to an insurance company pay off?

Cities in Texas Rent Costs

Rent costs across Texas vary based on the city, neighborhood, and apartment size. In Houston, the average rent is $1,082 per month—ranging from $1,953 in Downtown to $653 in Greater Fifth Ward. Austin renters pay an average of $1,297 per month, with Downtown at $2,606 and Windsor Hills at $974. San Antonio averages $982 per month, with rents as high as $1,688 in Government Hill and as low as $688 in Woodlawn Hills. In Dallas, rent averages $1,157 per month—from $2,178 in Brighton Lofts to $710 in South Oak.

No matter where you rent, securing renters insurance is crucial. It protects your personal belongings from unexpected events like theft, fire, and certain weather-related damages. If you're searching for cheap renters insurance in Dallas or comparing options for the best and cheap renters insurance across Texas, shopping around can help you find a policy that fits both your coverage needs and budget. Be sure to review what's included in your policy—some plans may require add-ons for high-value items or flood protection.

Read More: Best Renters Insurance in Austin According to Customers

Texas College Students: Why Renters Insurance Matters

Texas, home to nearly 150 four-year colleges and universities, hosts many college students needing housing each year. While some live at home or in dorms, others rent off-campus apartments. Students living in on-campus dorms are typically covered by their parent's homeowners insurance, but this usually doesn't extend to off-campus housing.

Whether you live in a dorm, home, an apartment or on base or post, you likely have personal property that’s valuable to you. Learn how #RentersInsurance can help protect your stuff - https://t.co/9sdai0fMMB. pic.twitter.com/HVxFfID3jT

— USAA (@USAA) July 29, 2020

For those renting apartments, renters insurance is essential to protect personal belongings, as they won't be covered under their parents' policy. Since most college students have roommates, it’s recommended that each student get their own renter's insurance policy rather than sharing one, ensuring individual protection.

Read More: Renters Insurance Simplified for Millennials

Texas Crime Rates and Renters Insurance

A standard renters insurance policy covers 16 perils, including theft, vandalism, and malicious mischief. According to FBI data, Texas reported 768,947 property crimes, 148,740 burglaries, and 551,151 larceny thefts — all above the national average per 100,000 residents. Higher crime rates can lead to increased renters insurance premiums.

This brings into focus the value of having renters insurance to cover your valuables. Ask your insurance agent about other protection possibilities, such as burglar alarm protection. This not only increases your safety, but also gives you peace of mind in knowing you are insured against the unforeseen.

Read More: Insurance Agent vs. Broker: What's the difference?

Your Guide to Finding Best & Cheapest Renters Insurance in Texas

USAA leads the pack with the cheapest renters insurance in Texas at just $23 monthly coverage, offering unmatched military benefits and superior A++ financial strength that ensures reliable claims processing during catastrophic events. State Farm leads with high levels of local agent availability and cost-effective scaling coverage that is not possible through other insurance providers. Travelers complete the top three by standing out on its full-replacement guarantee and very flexible protection bundles.

For the most competitive rates, consider exploring online marketplaces for insurance where you can quickly compare quotes from multiple providers simultaneously. Remember that the best policy balances affordability with adequate protection for your specific needs. Whether you're prioritizing military benefits, comprehensive coverage, or customization flexibility, these top three providers offer distinct advantages worth considering before making your final decision on renters insurance in Texas. You can also enter your ZIP code into our free comparison tool to start comparing rates now.