# Typical D&O Insurance Prices in Texas — Full Range Breakdown _Last updated: 2026-10-05T07:43:17Z_ > What does d&o insurance cost in Texas? Most projects fall inside $6,329–$22,152 per year, and $11,841 is a fair midpoint. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$6,329 | | Typical | ~$11,841 | | High | ~$22,152 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$6,329 | ~$14,241 | ~$22,152 | | Best-qualified applicant scenario | ~$5,190 | ~$12,896 | ~$20,601 | | Weaker-credit scenario | ~$6,835 | ~$17,817 | ~$28,798 | | Origination and third-party fees | ~$759 | ~$3,370 | ~$5,981 | | Shorter term with higher payment | ~$6,456 | ~$16,298 | ~$26,139 | ## How to compare quotes for d&o insurance Line the d&o insurance quotes up side by side and ask what changes the price after acceptance. That one question exposes most of the gap between the $6,329 low end and the $22,152 high end. ## What D&O Insurance typically costs Start with the spread rather than one number: d&o insurance usually lands between $6,329 and $22,152 in Texas, and the midpoint is close to $11,841 per year. The band is wide because finance work varies so much in scope. ## Timing your d&o insurance Plan d&o insurance around demand, not just around your own calendar. Whoever has capacity when you call has more reason to price competitively. ## Who sets d&o insurance prices The number you pay for d&o insurance is decided by the provider you choose, not by an industry standard. Compare several and you are comparing their real costs and capacity. ## What moves the price of d&o insurance For d&o insurance, the price is built from labour, materials, access, permits and timing. The first two are fixed by the work; the last three are where providers in Texas differ most, so ask about them directly. ## Frequently asked questions ### How much does d&o insurance cost? Most d&o insurance falls between $6,329 and $22,152, with a typical figure near $11,841 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. Where you are in Texas can change the detail, so compare nearby quotes. ### What affects the price of d&o insurance? Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. The specifics vary across Texas, so confirm them with the provider you hire. ### Is D&O Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. For Texas, ask a provider to put that in writing with the quote. ### How many quotes should I get for d&o insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. 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They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.