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.