Austin Insurance Rates:

Austin, TX home insurance is about $922 to $1,249, about $76-$104/month. Our exhaustive analysis reveals consumers can save as much as $434 by comparing different quotes

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Austin Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1800/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Bath 2840 sqft Vacation Property Constructed In 1988 with Linoleum, Metal Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $290/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 1310 sqft Vacation Property Constructed In 2010 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Married Male who is Retired with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1230/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Bath 2650 sqft Seasonal Residence Constructed In 2001 with Carpet over wood flooring, Metal Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Female who is Retired with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $267/3 months for $100,000 Coverage
While our house is about $300,000, our lot cost is about $200,000 of that which leaves us $100,000 to replace our house which is the amount we decided to insure.
We have guests coming from time to time from my wife's side of the family so its better to get some protection in case things go wrong.
Home Insurance Rate of $270/3 months for $150,000 Coverage
70 year old house with 2 bedroom & 2 bath with built up area of 1000 sft. Old plumbing & electricals. The replacement value should not be more than $150,000 since the lot is bigger at 6000 square feet & in an upcoming edgy area (north loop, near UT)
Single guy in his 30's. Good credit. Non-smoker, healthy. No kids & dogs

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Austin Rates & Quotes Analysis:

Austin Area Estimated House Insurance
Shelf Rock Rd, Shantivana Trl, Spanish Oak Trl, Aster Cove, Dodgen Way, Warpath Ln, Hunt Ln, Little Bear Rd, Elm Grove Ln, Bluebird Dr$1,087
Barsana Ave, Woodland Oaks Trl, Westway Dr, Quail Rd, Montvale Ln, Bullwhip Pass, Mockingbird Dr, Split Cedar Cv, Treetop Way, Turnstone Dr$1,086
Goldeneye Cir, Nopal Ln, Canvassback Dr, Copper Hills Dr, Fr 1626, Bryden Ln, Tender Valley Cv, Oakwood Dr, Lantana Trl, Wood Hollow Ct$1,090
Live Oak Ln, Nuthatch Dr, Ramrod Dr, Clover Leaf Cove, Cardinal Dr, Sagebrush Cir, Waxwing Dr, Brangus Rd, Arbor Trl, Willet Dr$1,096
Canyon Wren Dr, Copperplace Dr, Red Bud Trl, Saguaro Dr, Oxbow Trl, Old Bliss Spillar Rd, Mourning Dove Ln, Canvasback Dr, Dewberry Cove, Lazy Oak Cove$1,091

Insurance rates are influenced by a number of factors including:

  • Year Built: 56,696 Homes (15% of total) built between 1990 to 1999 in Austin are paying home insurance between $1,567-$1,583 and differs from Rollingwood (+$360), West Lake Hills (+$394), Lost Creek (+$192), Jollyville (-$15) and Wells Branch (-$47).
  • Bedrooms: 80,145 1 bedroom homes (23% of total homes ) in Austin are paying about $641. Areas near to Austin such as West Lake Hills, Sunset Valley, Barton Creek are costlier by $148, $54, $199 respectively whereas Travis County and Jollyville are more economical by $11, $6 respectively for similar homes.
  • Auto Insurance Bundling: 73,067 Households (49% of all households) in Austin have 2 vehicles available and when it is bundled with home insurance you can save $217 and varies from Rollingwood ($267), West Lake Hills ($271), Lost Creek ($243).
  • Senior Discounts: 55,973 seniors (more than 55 years) occupied housing units (38% of total) in Austin get discounts between $162 to $165. The comparative concessions in proximate regions such as Rollingwood, West Lake Hills and Lost Creek are $200, $203 and $182 respectively.
  • New Homes discounts: New homes such as the 153,621 homes built between 2000 to 2009 in Austin can save $217 and similar new home insurance discounts in nearby towns and cities like Rollingwood, West Lake Hills and Lost Creek are $267, $271 and $243 respectively.

Austin Homeowners insurance Facts

  • Austin, TX has 146,901 owner occupied houses which is 45.1% of all units whereas Rollingwood, West Lake Hills and Lost Creek have 98.56%, 87.18% and 98.72% respectively.
  • Austin, TX homeowners yearly insurance price at $1,086 is 0.5% of the typical house value of $216,700 which is in contrast with 0.2% in Rollingwood, 0.19% at West Lake Hills & 0.27% in Lost Creek.
  • Homeowners in Austin, TX pay 2.9% of their income ($35,000 to $39,999) in insurance whereas homeowners in Rollingwood, Travis County and Sunset Valley pay 3.56%, 2.89% and 3.19% respectively.
  • Austin, TX’s insurance is 5.3% of monthly housing costs of $1,725/month, for owners with a mortgage compared to 3.59% in Rollingwood, 3.39% at West Lake Hills & 3.92% in Lost Creek. But, for households without a mortgage, insurance is 14.4% of costs ($630 in Austin, TX) in contrast with 11.12% in Rollingwood, 11.31% at West Lake Hills & 10.15% in Lost Creek.

Austin, TX Home Values & Insurance rates

For example, insurance for 2,527 Homes (2.0% of total homes ) valued between $80,000 to $89,999 in Austin, TX is about $423. Rates in nearby areas in such as Rollingwood, Hudson Bend, Dripping Springs are cheaper by $263, $107, $20 respectively while Wells Branch and Hornsby Bend are costlier by $135 and $298 respectively for similar homes.

Austin, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,741 3.0% $119
$70,000 to $79,999 1,255 1.0% $369
$80,000 to $89,999 2,527 2.0% $423
$90,000 to $99,999 2,744 2.0% $466
$100,000 to $124,999 11,602 9.0% $543
$125,000 to $149,999 12,505 10.0% $684
$150,000 to $174,999 17,279 14.0% $803
$175,000 to $199,999 12,053 9.0% $933
$200,000 to $249,999 20,404 16.0% $1129
$250,000 to $299,999 14,533 11.0% $1379
$300,000 to $399,999 19,651 16.0% $1748

Renters Insurance in Austin

  • Average Renters Insurance in Austin :  $127($10/month)

  • Median Gross Rent in Austin :  $950

  • Austin Renters Insurance to Median Rent Ratio:  1.05%

  • Average household size of renter-occupied unit :  2.25

Austin Renters Insurance as a Percentage of Rent

Austin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,810 1.0% $781
$300 to $499 4,116 2.0% $1231
$500 to $749 33,875 19.0% $1906
$750 to $999 57,896 32.0% $2656
$1,000 to $1,499 56,744 32.0% $3781
$1,500 or more 20,149 11.0% $5431

Rent Affordability in Austin:

Approximately 44.0% (79,376) of households are spending more than 35% of their income on gross rent in Austin

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 18,904 10.0%
15.0 to 19.9 percent 22,071 12.0%
20.0 to 24.9 percent 22,421 12.0%
25.0 to 29.9 percent 20,414 11.0%
30.0 to 34.9 percent 15,904 8.0%
35.0 percent or more 79,376 44.0%

Austin Renters Insurance Discounts:

Austin Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Austin, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 94,227 52.0% $12.7
2 vehicles available 52,074 29.0% $19.05
3 or more vehicles available 12,517 6.0% $25.4

Protective device discount in Austin Up to :  $19

Claims-free discount in Austin Up to :  $25

Austin, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78703 $621,900 $1,330
78730 $570,400 $1,320
78742 $54,400 $1,000
78733 $467,700 $1,260
78738 $466,700 $1,230
78731 $436,800 $1,250
78732 $388,600 $1,200
78735 $379,900 $1,180
78739 $350,500 $1,190
78726 $349,900 $1,190
78756 $342,300 $1,160
78701 $338,300 $1,180
78704 $338,200 $1,160
78737 $324,500 $1,150
78759 $307,800 $1,140
78750 $303,100 $1,140
78705 $292,500 $1,140
78751 $292,200 $1,140
78722 $265,100 $1,140
78757 $253,300 $1,130
78717 $243,200 $1,120
78749 $233,900 $1,120
78736 $215,500 $1,100
78727 $198,500 $1,090
78729 $192,300 $1,090
78748 $185,500 $1,080
78723 $176,500 $1,070
78702 $175,400 $1,070
78728 $168,600 $1,060
78754 $167,600 $1,060
78745 $166,200 $1,060
78752 $153,000 $1,060
78758 $144,200 $1,060
78753 $134,900 $1,040
78721 $121,000 $1,040
78741 $120,200 $1,040
78725 $114,400 $1,030
78719 $111,000 $1,030
78744 $108,100 $1,030
78724 $105,700 $1,030