Austin Insurance Rates:

Austin, TX homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Save On Austin, TX, Home Insurance Using These Discounts

In Austin, Texas, the average cost of home insurance is $1,527. However, home insurance rates vary widely based on different factors. Austin homeowners should compare quotes from multiple home insurance companies to choose the cheapest one according to their coverage requirements. Furthermore, Austin homeowners should take advantage of the various discounts offered by home insurance companies to reduce their insurance rates. Below are some of the discounts available to Austin homeowners.


Newly constructed Austin homes can avail of discounts of up to $305 on homeowners insurance. Newly constructed homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. Austin homes older than 40 years and 50 years receive an additional charge of $40 and $73, respectively, on home insurance.

Home insurance companies consider the lifestyle of homeowners to determine insurance rates. If all the residents of the household are non-smokers, insurance companies offer special discounts on home insurance rates. Austin homeowners who own a swimming pool attract an additional insurance cost of up to $92. Installing a fence around the pool with self-latching and self-closing gates will help homeowners get discounts from home insurance companies. Additionally, senior citizens in Austin also receive discounts on home insurance.

Although most of the factors to avail discounts are not under the control of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Austin homeowners opting for a high deductible of $2,500 can avail of a discount of $430 on homeowners insurance. Homeowners receive discounts of $360 and $242, respectively, on deductibles of $2,000 and $1,500. Austin homeowners save an average of $1,200 if they opt for a high deductible of $3,800 instead of a standard deductible of $1,800 on a lock-in period of 8 years.

Home insurance companies provide discounts to homeowners who have a claim-free history. On the other hand, homeowners with claims attract additional home insurance rates. The cost of home insurance in Austin increases by up to 44% based on the nature and number of claims. Austin homeowners who have a history of two fire claims and two water claims attract additional insurance rates of $641 and $503, respectively.

Austin, TX, Home Insurance Discounts To Lower Your Costs

In Austin, TX, homeowners pay an average homeowner’s insurance of $1,125 per annum. Average Home insurance rates vary between $119 to $1,748 based on home values. Vhome’s analysis reveals that Austin homeowners can save as much as $434 by making use of discounts provided by home insurance companies.

Austin homeowners earn homeowners insurance discounts of up to $281 on newly constructed homes. As the age of the home increases, so does the propensity for damage. This prompts insurance companies to increase home insurance rates for older homes. Austin homes older than 50 years attract an additional charge of $54 in homeowners insurance.

Homes in Austin earn substantial discounts on insurance rates based on their construction type. Austin homes constructed using fire-resistant materials and superior materials get discounts of $135 and $124, respectively, on their insurance rates. Masonry and brick homes receive a discount of $68, while homes that have a hail resistant roof get a $34 discount.

Home insurance companies tend to provide discounts on home insurance rates based on lifestyle choices of homeowners. Austin homes with a swimming pool increase home insurance rates by up to $135. Installing a fence around the pool with self-latching and self-closing gates can help homeowners get discounts from home insurance companies.

Austin homes equipped with safety features to prevent burglaries also earn substantial discounts on insurance rates. Texas had a property crime rate of 2,562.6 for every 100,000 residents. Homeowners can avail discounts of $45 and $34, respectively, on homes located close to fire stations and police departments.

Homeowners can also earn discounts on home insurance rates by paying a high deductible. According to a study done by Vhome, Austin homeowners can save up to $1,200 for a lock-in period of 8 years by opting for a high deductible of $3,800 in place of $1,800.


Austin, TX Homeowners Insurance By Home Value

Austin, TX Home Value Total Homes % of Total Average Austin, TX 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

Top Home Insurance Agents Near Austin, TX

Home Insurance Company Near Austin, TX Homeowners Insurance Agency Near Austin, TX Address
Liberty Mutual Independent Bkcw L P 9809 ANDERSON MILL RD, AUSTIN, TX, 78750
Travelers Dady Insurance Agency 3609 WILLIAMS DR STE 101, GEORGETOWN, TX, 78628
State Farm John Peterson 12962 N Hwy 183, Austin, TX, 78750-3240
Travelers Reata Insurance Group Inc 1213 RANCH ROAD 620 S STE 104, LAKEWAY, TX, 78734
Farmers Rodrigo Castilleja 1620 Red Bud Ln Ste 201, Round Rock, TX, 78664

Austin, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Austin, TX

Streets in Austin Area Homeowners Insurance Cost
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

Austin, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Austin$162 to $165
West Lake Hills$203
Lost Creek$182

Austin, TX Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Rollingwood city, Texas $200 $267 $401
West Lake Hills city, Texas $203 $271 $407
Lost Creek CDP, Texas $182 $243 $365

Austin, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Austin, TX5.3%14.4%
West Lake Hills3.39%11.31%
Lost Creek3.92%10.15%

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

Austin, TX Homeowners 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

Austin, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Austin Homeowner Insurance Premium Example $2,000$1,600
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $17,800$16,600
Net Savings to Austin Home Owner from High Deductible Plan $1,200

Austin, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Austin, TX Home Replacement Value MORE than Home Value Austin, TX Home Replacement Value LESS than Home Value
Replacement Value $266,500 $162,500
Insurance Premium based on Replacement Value $2,275 $1,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,500 Risk Exposure from Under Insuring Coverage is $40,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $550/year

Example Austin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceLiberty Mutual
Monthly Premium 86105409
Year Built 200619942011
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$175000-$200000$500000-$600000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Austin, TX from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2009 265,000 Asphalt Shingles Roof 2,360 3 $2500-$5000 Deductible 400 3 Fiber-Cement Siding No
2012 275,000 Shingles Roof 2,650 4 $2500-$5000 Deductible 1760 9 Stone Siding yes
1982 215,000 Composition Roof 2,180 3 $500 Deductible 1210 6 Stone Siding No
1992 375,000 Metal Roof 2,750 4 $5000 to $10,000 Deductible 160 1 Stone Siding No
2014 95,000 Tile Roof 910 2 $500- $1000 Deductible 660 10 Fiber-Cement Siding yes
2010 210,000 Slate Shingles Roof 1,840 4 > $10,000 Deductible 400 5 Vinyl siding yes
2004 135,000 Composition Roof 1,190 2 $1000-$2500 Deductible 630 7 Brick siding yes
2010 120,000 Metal Roof 990 2 $1000-$2500 Deductible 630 9 Brick siding No
2011 170,000 Tile Roof 1,730 4 $5000 to $10,000 Deductible 770 9 Stucco siding No
1986 355,000 Composition Roof 3,040 5 $1000-$2500 Deductible 480 2 Stone Siding No
1986 145,000 Slate Shingles Roof 1,440 2 $1000-$2500 Deductible 690 8 Vinyl siding yes
2000 330,000 Metal Roof 3,360 5 $500- $1000 Deductible 770 4 Fiber-Cement Siding yes
1986 150,000 Slate Shingles Roof 1,150 2 $500 Deductible 810 10 Fiber-Cement Siding yes
2000 205,000 Shingles Roof 1,930 4 $5000 to $10,000 Deductible 1010 10 Fiber-Cement Siding yes
1997 255,000 Shingles Roof 2,070 3 > $10,000 Deductible 800 8 Brick siding yes
2008 280,000 Tile Roof 2,800 4 $500 Deductible 1550 7 Vinyl siding No
1990 305,000 Tile Roof 3,030 5 > $10,000 Deductible 460 3 Fiber-Cement Siding No
1985 125,000 Slate Shingles Roof 1,120 2 $500- $1000 Deductible 530 7 Fiber-Cement Siding yes
1993 105,000 Wood Shake Roof 1,040 2 $1000-$2500 Deductible 140 2 Brick siding yes
2009 140,000 Shingles Roof 1,210 2 $2500-$5000 Deductible 940 10 Brick siding yes
1990 125,000 Metal Roof 1,180 2 $1000-$2500 Deductible 460 7 Stucco siding No
1982 465,000 Tile Roof 3,820 5 $1000-$2500 Deductible 620 3 Stone Siding No
2010 245,000 Composition Roof 1,990 4 $5000 to $10,000 Deductible 140 1 Stone Siding yes
1998 435,000 Membrane Roof 4,020 5 $1000-$2500 Deductible 2910 9 Vinyl siding No
1994 250,000 Metal Roof 2,230 3 $2500-$5000 Deductible 2080 12 Wood siding yes
1987 340,000 Composition Roof 3,430 5 $500- $1000 Deductible 880 5 Brick siding yes
1988 365,000 Metal Roof 2,840 4 > $10,000 Deductible 1800 12 Brick siding No
2010 170,000 Slate Shingles Roof 1,310 3 $500- $1000 Deductible 290 2 Stone Siding yes
2001 320,000 Metal Roof 2,650 5 $5000 to $10,000 Deductible 1230 6 Wood siding yes

Latest Home Insurance Reviews

State Farm
Allstate's policy compared to other insurance companies is outstanding. I would recommend this company to anyone.
My experience has been great so far. When ever I would have questions they would look into my concern.they are helpful customer service wise but could improve in other aspects.
I would recommend this company for someone who it fits their needs. Insurance should be customized to the insured and if this fits your criteria, then I say go for it!
Liberty Mutual
Liberty Mutual product in terms of premium is cheaper than most other home insurance products I have reviewed. A cost benefit analysis helped me establish this fact.
It was easy to set up. I don't have to do any more action to maintain it. There was not a long wait time to do this and the person I spoke to was friendly.
I would recommend this company. They have a wide range of products available. They can match your needs and budget easily.
I do recommend Nationwide overall - They are not a perfect company by any means but they seem to do their job and have policy offerings for families.
State Farm
Their prices are competitive and the coverage is exactly what I need. They also don't hassle me or bother me.
Liberty Mutual
I like Liberty Mutual I joined them because of the television commercials. I think they cover everything I need so no complaints.
I have very straight forward plan and would always what they to give me great benefit based on their offerings have been using for a quite sometime.
Having our house/auto/motorcycle as a bundle package was the best price and option for us. allstate really came through with the right pricing
The Hartford
The company outsourced an appraiser to evaluate my home. the appraiser showed up without any kind of notice in advance.
State Farm
I like that the insurance company sends me both electronic emails to my inbox as well as physical mailings to my home address.
Our premium is very competitive, and it is actually comparable to what we were paying for renters insurance in our apartment. We're glad that this particular cost is controlled.
Farmer's Insurance
Overall the website is informative and quickly gets me the information I need when I need it. I haven't used the app at all, however accessing the website is very easy and intuitive as well as having a mobile version of the site.
To date, I have never had any issues while interacting with or communicating with the agents. They are always prompt and courteous.
Encompass Insurance
I do like our insurance company. I feel because they are local, I can call and talk to someone with questions. The insurance agents know their stuff and they offer suggestions to me, but no pressure. I don't have to call and 800 and wait on hold forever.
State Farm
One-on-one contact with its employees makes my insurance company the best! We value the time and effort they put into getting to know their customers and their needs.
Farmer's Insurance
I like them so far. It has not been long though and I don't have a lot of experience.
I do not like there are some services I want but the cost too much for my budget, website confusing.
State Farm
Well, naturally, I dislike the fees. I think that my premium should be a little lower than it is, and I expect in the future that it will go down. I am okay with paying the premium, but I can still want it to go down.
The user interface on their web and mobile apps and occasional extra fees that seem uncalled for and ill-reasoned in my opinion at least.
I would recommend this company for home insurance. They have taken good care of me and I cannot emphasize more how good their prices are. If you are looking for an affordable company that works hard for you, Allstate is the best.
I have very good experience with home insurance company's customer service because i always work hard and get success.
Rvos Insurance
I'm not happy with my insurance company at all. They are a necessary evil in my life at the moment.
Recently started comparing rate and I am paying almost double for the same exact policies. I don't make claims on my insurance and can't get around it.
Pronto Insurance
I like that the company is very responsible and they have very good premium prices
Rvos Insurance
The only recommendation that I would make is to update the website and create an app. I usually just call because it is easiest. I really don't have anything negative to say.
Rvos Insurance
The only recommendation that I would make is to update the website and create an app. I usually just call because it is easiest. I really don't have anything negative to say.
State Farm
I have always been satisfied with State Farm from the beginning. I have been with them over 40 years. All claims, reviews and questions have always been dealt with and on a timely manner.

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