Dallas Home Insurance Costs (2026)

How much is homeowners insurance in Dallas?

Homeowners insurance in Dallas averages $612 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are USAA (military families only), State Farm, Safeco and ASI, and each one priced our sample home in all 44 Dallas ZIP codes in our data, in Dallas County and Collin County. For this house, Dallas is the 13th least expensive of the 27 Texas cities in our data with at least 5 ZIP codes, and below the Texas average of $640 a month.

Our figures are for a $300,000 dwelling, which works out to about $24.47 a year for each $1,000 of dwelling coverage in Dallas; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Dallas average rose 2.0% since Nov. 2025, from $7,197 a year ($600 a month) on Nov. 30, 2025, to $7,340 ($612) on Sept. 30, 2026, as USAA’s (military families only) fell 42.2%, ASI’s rose 20.1% and State Farm’s rose 5.0%.

Homeowners insurance averages by insurer in Dallas for our sample home (rates as of Sept. 30, 2026)

USAA (military families only) averaged $193 a month ($2,318 a year), State Farm $450 ($5,403), Safeco $802 ($9,618) and ASI $1,002 ($12,023) for our sample home.

Same sample home: each insurer’s average yearly price in the same Dallas ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 44 Dallas ZIP codes on both dates. Priced on only one date, so not in the table: Farmers (Nov. 30, 2025 only).

By ZIP code: each insurer’s yearly price for the same house changed with the Dallas address:

• USAA (military families only) ran from $2,241 a year in 75249 to $2,358 in 75235.
• State Farm ran from $5,057 a year in 75207 to $5,968 in 75241.
• Safeco ran from $9,035 a year in 75252 to $9,646 in 42 ZIP codes, including 75201.
• ASI ran from $9,231 a year in 75211 to $20,789 in 75234.

Why one insurer stands out: ASI’s average for our sample home, $1,002 a month, is about 2.1 times the other 3 insurers’ average. It stays in our figures. Without it, the Dallas average would be $482 a month ($5,780 a year), 24.7% below the Texas average.

Same sample home in Dallas with all 4 insurers and without ASI (rates as of Sept. 30, 2026)

The Texas figure includes every insurer we priced in the state.

Who has the cheapest homeowners insurance in Dallas?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Dallas, ZIP code averages for this house ran from $548 to $806 a month, while insurers’ Dallas averages ran from $193 to $1,002.

Same house, different city: how does Dallas compare?

The same sample home costs $612 a month in Dallas, $349 in El Paso, $382 in Laredo, $391 in San Antonio, $419 in Austin, $467 in Bryan, $467 in Waco, $490 in Longview, $499 in Tyler, $542 in Beaumont, $564 in Odessa, $574 in Midland, $589 in Conroe, $624 in Corpus Christi, $674 in Spring, $679 in Denton, $687 in Plano, $688 in Abilene, $702 in Garland, $709 in Lubbock, $733 in Amarillo, $759 in Arlington, $764 in Fort Worth, $773 in Wichita Falls, $800 in Irving, $895 in Pasadena and $905 in Houston, the 27 Texas cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Dallas, other Texas cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

El Paso has the lowest average of these Texas cities, $349 a month, and Houston the highest, $905; Dallas sits between them.

Compared with Houston, the Texas city with the most ZIP codes in our data (94), the same house costs 32.4% less to insure in Dallas.

Across the U.S., 243 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Dallas, and 48 a higher one.

For the statewide picture, see home insurance costs in Texas, Austin home insurance costs and San Antonio home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Dallas?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Dallas averages $612 a month ($7,340 a year) across the 4 insurers we compared in 44 ZIP codes (rates as of Sept. 30, 2026). That’s 4.3% below the $640-a-month Texas average for the same house. Insurers’ averages for that same house ran from $193 to $1,002 a month. Without ASI, which priced far above the rest, the average would be $482 a month.

Why your Dallas quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Dallas quote above the $612 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

Why is homeowners insurance so expensive in Dallas?

For our sample house, Dallas is the 13th least expensive of the 27 Texas cities in our data with at least 5 ZIP codes, and 136.7% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Dallas homes face.

One reason in our data: ASI’s average for our sample home, $1,002 a month, is about 2.1 times the other insurers’ average; without it, Dallas would average $482 a month.

On Oct. 20, 2019, a tornado damaged homes in Dallas from near I-35E and Walnut Hill through Preston Hollow, with the strongest damage rated EF3 and winds near 140 mph, according to the National Weather Service.

How to find cheaper home insurance in Dallas

For our sample home, insurers’ Dallas averages ran from $2,318 to $12,023 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: ASI’s for our sample home ran from $9,231 to $20,789 a year depending on the Dallas ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 10 months of Dallas’ $612-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $612-a-month Dallas average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Dallas?

Renters insurance for our sample renter averages $20 a month ($235 a year) in Dallas. For our sample renter, prices among the 4 insurers we compared ranged from $11 to $24 a month, a $13-a-month gap for the same coverage.

Renters insurance averages by insurer in Dallas for our sample renter (rates as of Sept. 30, 2026)

USAA (military families only) averaged $11 a month ($136 a year), State Farm $21 ($250), Safeco $23 ($272) and ASI $24 ($282) for our sample renter.

State Farm had the lowest renters average for our sample renter of the insurers anyone can buy from, $21 a month ($250 a year), 8.1% below Safeco’s $272 a year, the next of those insurers. Another insurer may be lower for your apartment, so compare quotes.

For renters insurance, Dallas is the 5th most expensive of the 27 Texas cities in our data with at least 5 ZIP codes: its average is 7.7% above the Texas renters average of $218 a year ($18 a month) and 8.2% below the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 117 have a lower renters average for our sample renter than Dallas, 174 a higher one. Our sample renter’s policy costs about 3% of what our sample home costs to insure in Dallas.

For the same insurers and ZIP codes, the Dallas renters average barely moved since Nov. 2025: it rose 0.1%, staying at $20 a month, as USAA’s (military families only) fell 4.0%, State Farm’s rose 2.7% and the other insurers’ prices didn’t change.

By ZIP code, the Dallas renters average for our sample renter ran from $15 a month in 75252 to $21 in 75234. Of the 44 ZIP codes, 4 averaged more than the city’s $20 a month for our sample renter, 18 less and 22 the same.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 176 sample prices by 4 insurers across 44 Dallas ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Dallas apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Dallas, that package averages $20 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 44 Dallas ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Dallas

Many Dallas homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Dallas · Texas car insurance rates · How bundling home and auto insurance works