Denton, TX
Denton, TX car and homeowners insurance
How Denton households can compare car and home coverage, with local Census data. A quote is not a binder.
Denton has about 165,998 residents in Denton County. 67% of its workers drive to work alone and 50% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Denton
| Measure | Denton | Texas |
|---|---|---|
| Drive alone to work | 67% | 71% |
| Carpool | 12% | 10% |
| Work from home | 14% | 14% |
| Commute of 45 minutes or more | 16% | 17% |
| Commute under 15 minutes | 34% | 25% |
| Households with no vehicle | 5% | 5% |
| Households with 3 or more vehicles | 21% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 16% of Denton commuters travel 45 minutes or more each way (Texas: 17%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Fewer Denton workers telecommute (14%) than the state average, which means more cars on the road at rush hour.
21% of Denton households keep three or more vehicles, and 5% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Home values and housing age in Denton
Census figures put Denton's median home value at $348,200 (Texas: $283,800) and its median year built at 1997. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Texas was $2,592 for homes insured in the $325,000–$349,999 range, and $2,864 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Denton drivers
Texas requires liability limits of at least 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Those are floors; with Denton's median home value at $348,200, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a Denton household
A bundle can simplify life in Denton: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Denton
Plan for large hail, along with Gulf hurricanes near the coast. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
How Denton compares in Texas
In Lewisville, 46% own their home and 18% of households have three or more vehicles. Carrollton: 65% drive alone, 10% commute 45+ minutes, median home $381,000. In Houston, 42% own their home and 14% of households have three or more vehicles. Denton ranks 9th for long commutes among the 30 Texas cities we profile.
Gathering details for a Denton auto and home quote
- Recent claims or violations
- Commute distance and typical yearly miles
- Your existing policies and renewal dates
- Target limits and deductibles
- Drivers' names and dates of birth
- Roof age and material
Questions from Denton drivers and homeowners
What auto insurance is required in Denton?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Denton drivers have long commutes?
About 16% of Denton workers commute 45 minutes or more and 34% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Denton?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
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Last updated October 15, 2026 · How we research