The average funeral in Texas costs approximately $8,200 — one of the higher averages in the country. With nearly 30 million residents and a growing senior population, affordable burial insurance is essential for Texas families. Get covered starting at just $15 per month with no medical exam required.
Texas is the second-largest state in the nation by both area and population, with nearly 30 million residents spread across a vast and diverse landscape. From the bustling cities of Houston, Dallas, San Antonio, and Austin to the smaller communities of West Texas and the Rio Grande Valley, Texas families share a common need: protection from the financial burden of funeral expenses.
The average funeral cost in Texas is approximately $8,200 for a traditional service with viewing and burial — slightly higher than the national average. When you factor in cemetery costs, a headstone, flowers, and other expenses, the total can easily exceed $13,000. For many Texas families living on fixed incomes or tight budgets, this is a devastating financial blow.
Burial insurance gives Texas residents an affordable, accessible way to ensure their families are not left with this burden. With no medical exam required, coverage available from $5,000 to $50,000, and premiums as low as $15 per month, burial insurance is one of the smartest financial decisions a Texan can make.
Understanding what a funeral costs in Texas helps you determine the right amount of burial insurance coverage. Here is a detailed breakdown of average funeral expenses across the Lone Star State:
Cremation is a growing trend in Texas, though it remains less common than in other states. Direct cremation in Texas averages $1,800 to $3,500, while cremation with a memorial service can cost $4,500 to $7,000.
Texas has a robust regulatory framework for insurance through the Texas Department of Insurance (TDI). Here is what Texas residents should know about burial insurance protections:
The Texas Department of Insurance provides a consumer helpline at 1-800-252-3439 where residents can verify agent licenses, file complaints, or ask questions about their coverage. Easy Burial Quote operates in full compliance with all TDI regulations.
Texas has one of the largest and fastest-growing senior populations in the country. With over 3.9 million residents aged 65 and older, the demand for affordable burial insurance continues to rise. Many Texas seniors live in retirement communities in areas like the Rio Grande Valley, the Hill Country, and suburban communities around Houston, Dallas, and San Antonio.
For Texas seniors living on fixed incomes from Social Security, pensions, or retirement savings, the prospect of a $8,200+ funeral expense is a serious concern. Burial insurance offers a solution that is both affordable and accessible, even for those with pre-existing health conditions.
Here are typical monthly premiums for burial insurance in Texas based on age:
Texas residents enjoy some of the most competitive burial insurance rates in the country due to the large number of carriers competing for business in the state. By working with Easy Burial Quote, you can take advantage of this competition and find the lowest rate available.
Texas is one of the largest insurance markets in the United States, which means residents have access to a wide selection of top-rated carriers. Easy Burial Quote compares rates from the following A-rated companies:
Americo Financial Life, headquartered in Austin, TX, is particularly popular among Texas residents. Their deep knowledge of the Texas market often translates to some of the best rates available in the state.
Easy Burial Quote provides burial insurance to residents in every city, town, and county across the great state of Texas, including:
Whether you live in downtown Houston or a small town in the Texas Panhandle, our licensed agents are ready to help you find affordable burial insurance coverage. Call 888-260-EASY (888-260-3279) for your free Texas burial insurance quote today.
Common questions about burial insurance in texas
The average funeral in Texas costs approximately $8,200 for a traditional service with viewing and burial. Cremation averages $3,500. Total end-of-life expenses can reach $12,450 or more when including a casket, burial vault, burial plot, and headstone.
No. Most burial insurance policies available in Texas do not require a medical exam. Simplified issue policies ask a few basic health questions, while guaranteed acceptance policies have no health questions at all.
Burial insurance in Texas typically costs $15 to $120 per month depending on your age, health, and coverage amount ($5,000-$50,000). Texas residents often enjoy competitive rates due to the large number of carriers competing in the state.
Texas provides a 30-day free look period for policyholders aged 60 and older, and a 10-day free look period for those under 60. You can cancel during this period and receive a full refund of all premiums paid.
Yes. Guaranteed acceptance burial insurance is available to Texas residents aged 50-85, regardless of health conditions. There are no health questions and no medical exam required. Coverage includes a 2-3 year graded benefit period.
We serve all cities and counties in Texas, including Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Lubbock, and every other community across the Lone Star State.
Compare rates from 6+ A-rated carriers. No medical exam required. Coverage from $15/month.
Call 1-888-260-EASY Now