$3,489
average annual Texas homeowners premium in 2025
This is the statewide average reported for homeowners policies, not a quote for an individual home.
Texas Department of Insurance, Texas homeowners insurance market overview, 2025 dataReference page, updated October 1, 2026
Texas home and auto insurance statistics
A plain-language collection of current Texas insurance figures for homeowners, drivers, writers, and anyone comparing coverage. Every figure below links to its original public source.
Browse the statisticsHow to use this page
Numbers are a starting point, not a personal quote.
Statewide figures can help put a decision into context, but an individual premium or coverage need depends on the property, vehicle, household, limits, deductibles, claims history, and policy choices. The sources are linked directly so readers can check the underlying data and its publication date.
Texas insurance data
Six figures worth knowing
Figures are presented as published by the Texas Department of Insurance. The source year is stated with each one.
$432,800
average Texas home coverage amount in 2025
Coverage amounts affect premiums alongside rate changes, location, construction, deductibles, and the policy selected.
Texas Department of Insurance, Texas homeowners insurance market overview, 2025 data4.3%
average homeowners rate change reported for 2025
This figure covers homeowners, renters, condo, and mobile homeowners rate filing data. It is not an individual policy renewal change.
Texas Department of Insurance, rate filing data, 2025$8.74B
in homeowners losses paid by Texas insurers in 2025
The total includes wind and hail, water, fire, theft, liability, and vandalism losses.
Texas Department of Insurance, homeowners paid claims data, published June 202662%
of Texas homeowners losses tied to wind and hail on average since 2019
Texas Department of Insurance describes wind and hail as the leading share of homeowners losses over that period.
Texas Department of Insurance, homeowners paid claims data, published June 202630/60/25
Texas minimum auto liability coverage requirement
$30,000 for injuries per person, $60,000 per accident, and $25,000 for property damage. Texas requires drivers to show they can pay for accidents they cause.
Texas Department of Insurance, Auto insurance guide, updated December 2025Methodology and sources
Built from public Texas insurance data.
This page selects figures from Texas Department of Insurance market, consumer, and paid-claims information that are useful to cite in a current Texas insurance conversation. It does not estimate missing data or turn statewide averages into individual advice.
Texas homeowners insurance market overviewPremium, coverage, loss, and rate filing data through 2025. ↗TDI transparency updateTexas homeowners paid-loss totals and wind-and-hail share, published June 22, 2026. ↗Texas auto insurance guideState auto liability requirements, updated December 11, 2025. ↗
For writers and researchers
Cite this page
Darrell Freeman Agency. “Texas Home and Auto Insurance Statistics, 2026.” Updated October 1, 2026. Include the direct link to the specific statistic you reference, and check the linked Texas Department of Insurance source for its latest update.
Link to the statisticsLocal perspective matters
Want to talk through what these numbers mean for your situation?
Darrell Freeman Agency has helped Texas families make sense of insurance decisions from San Angelo since 1982.
Call 325-942-9549Contact the office