Insurance Costs in Flower Mound, TX
Auto insurance in Flower Mound averages $1,654 per year for full coverage, which is close to the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Flower Mound, TX: What You Need to Know
Flower Mound residents pay an average of $1,654 per year for full coverage auto insurance, which is 15.0% below the Texas state average and Near the national average.
With a population of 79,650, Flower Mound is a growing city in Texas. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,654 | $138 |
| Standard Coverage (50/100/50) | $1,356 | $113 |
| State Minimum (30/60/25) | $695 | $58 |
Homeowners Insurance in Flower Mound, TX
The average cost of homeowners insurance in Flower Mound is $3,002 per year ($250/month), which is 64.9% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Flower Mound, TX
Renters insurance in Flower Mound averages $228 per year ($19/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Texas Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Houston | $2,374/yr | $3,002/yr |
| San Antonio | $2,024/yr | $2,836/yr |
| Dallas | $2,432/yr | $3,197/yr |
| Austin | $2,102/yr | $2,641/yr |
| Fort Worth | $2,180/yr | $3,058/yr |
| El Paso | $1,712/yr | $2,280/yr |
| Arlington | $2,238/yr | $3,002/yr |
| Corpus Christi | $1,985/yr | $3,280/yr |
How to Save on Insurance in Flower Mound
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Flower Mound can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Flower Mound, TX?
The average cost of car insurance in Flower Mound, TX is $1,654 per year for full coverage, or about $138 per month. Minimum coverage costs around $695 per year.
Is car insurance expensive in Flower Mound?
Car insurance in Flower Mound is about average for the U.S.
How much is home insurance in Flower Mound?
Homeowners insurance in Flower Mound costs an average of $3,002 per year. Your actual cost depends on your home's value, age, construction type, and specific location.