Average Homeowner Insurance Rates for Austin, Texas

Average Annual Insurance Rate
$1598


The Cheapest Homeowner Insurance Rates for Austin, Texas

Provider Annual Insurance Rate
Lighthouse Property Insurance $627
National Specialty Insurance $713
Texas Fair Plan $945
Texas Farm Bureau $1024
USAA $1028
Nationwide $1056
Kemper Insurance $1059
Republic Lloyds $1094
American Mercury $1095
Nationwide $1129



The Most Popular Home Insurance Providers in Austin, Texas

Provider Annual Insurance Rate
Liberty Insurance $3540
Nationwide $1056
State Farm $1823
Texas Farmers Insurance $1507



Does credit score affect Austin home insurance rates?

Credit Score Average Annual Insurance Rate
bad $1996
average $1598
good $1395
Yes! Your credit rating can impact the price you pay for Austin homeowners Insurance up to $601 per year. Our analysis shows Austin home insurance shoppers with poor credit will pay up to 43% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are 29% higher than people with average credit and average credit rate shoppers will pay 15% higher rates than shoppers with good credit.

Does Building Construction affect Austin home insurance rates?

Construction Type Average Annual Insurance Rate
frame $1473
Stucco/Hardie $1379
Brick Veneer $1346
Your home construction style may also impact the price you pay for Austin homeowners Insurance up to $127 per year. Austin home insurance shoppers with frame style construction pay up to 9% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay 2% higher rates than homes made with Brick Veneer.


Is homeowners insurance higher for older homes in Austin?

Residence Age Average Annual Insurance Rate
1 Year(s) Old $1006
10 Year(s) Old $1346
35 Year(s) Old $1539
Your home age impacts the price you pay for Austin homeowners Insurance up to $533 per year. Austin home insurance shoppers with older homes pay 53% higher rates than new homes while homeowners with homes less than 30 years old will pay 34% higher rates than new construction homes.