Home Home insurance Renters insurance Renters insurance cost Texas Dallas, TX How much is renters insurance in Dallas, TX The average cost of renters insurance in Dallas is $314 per year or $26 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: November 7, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost of renters insurance in Dallas, TX is $314 per year (for insurance coverage of $40,000 in personal property coverage, $100,000 in liability coverage, and $1000 as deductible) — that’s $19 less than the state average of $333 a year.It can be higher or lower depending on the coverage options you choose and the amount of liability the policy provides. If you live in a rented apartment or home, you should consider buying renters insurance because it protects your personal belongings from damage caused due to covered peril such as fire or smoke damage, theft, vandalism, and other mishaps. We did a thorough analysis of renters insurance companies to find the most affordable options for Dallas renters. Keep reading to find out the cheapest renters insurance companies in Dallas.What is the average cost of renters insurance per month in Dallas?On average, the cost of renters insurance in Dallas is $26 a month. It’s $2 less than the state average of $28. Renters in Dallas pay these rates for the coverage limit of $40,000 personal property coverage, $1,000 deductible and $100,000 liability protection coverage.The renters insurance rates vary by city depending on your insurance provider and the coverage limits you decide. For example, renters in Dallas pay $18 per month for personal property coverage of $20,000 and $1,000 deductible. However, if you decide to increase the personal property coverage limit to $40,000, you will pay $8 more for renters insurance.Now, you’ll have to decide how much coverage you need and how much you can afford. However, it is recommended, if your personal belongings consist of expensive jewelry, furniture, and electronics, you should choose higher coverage limits.How much is renters insurance in Dallas by deductible?The renters insurance cost in Dallas is $230 per year for a $500 deductible and $20,000 as personal property coverage. A deductible is an amount you agree to pay before your insurance company kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same, i.e., $20,000, but you increase your deductible limit from $500 to $1,000, you will pay $19 less every year for insurance.Below are the renters insurance rates for different personal property coverage and deductible amount.Deductible$20,000 personal property$40,000 personal property$60,000 personal property500$230$343$4431000$211$314$408Note: The liability protection coverage is $1,000.Read our guide to know what does renters insurance cover.Who offers cheap renters insurance in Dallas?Your search for the cheapest renters insurance company ends here.USAA (Note: USAA offers insurance only to members of the military, veterans and their immediate families.) offers the cheapest renters insurance in Dallas at about $246 a year or $20 per month. According to Insure.com data analysis, Progressive ranks second on our list followed by Nationwide.Our experts at Insure.com evaluated renters insurance quotes from all the big and small insurance companies in Dallas and put together a list of the most affordable insurance carriers. Below are the average annual and monthly rates of the cheap renters insurance companies across Dallas, TX.Renter insurance providerAverage annual rateAverage per month rateUSAA$246$21Progressive$255$21Nationwide$267$22Allstate$320$27Texas Farm Bureau$376$31State Farm$386$32Farmers$552$46MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Dallas for $40,000 personal property coverage, $100,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment. 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