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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Latest Home Insurance Reviews

All State
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
Oscar Miston
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.

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

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
Rollingwood$200
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%
Rollingwood3.59%11.12%
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
Deductible$1,800$3,800
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
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