Compare homeowners insurance quotes in Austin, TX with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average cost of home insurance in Austin, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$555,300) | $2,110 | $1,266 |
| $300,000 dwelling | $1,562 | $937 |
| $600,000 dwelling | $2,198 | $1,319 |
| $1,000,000 dwelling | $2,860 | $1,716 |
The typical homeowners insurance premium in Austin, TX is about $2,110 annually for a typical local home (typical local home value about $555,300). For a $300,000 dwelling, expect around $1,562 per year; for a $600,000 home about $2,198; and for a $1,000,000 dwelling about $2,860. Freedom Insurance Group rates are often about 40% lower — near $1,266 per year for a typical home, roughly $937 for a $300,000 home, about $1,319 for a $600,000 home, and around $1,716 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,214 |
| $200,000 – $300,000 | $1,357 |
| $300,000 – $400,000 | $1,667 |
| $400,000 – $500,000 | $1,887 |
| $500,000 – $600,000 | $2,100 |
| $600,000 – $700,000 | $2,267 |
| $700,000 – $800,000 | $2,406 |
| $800,000 – $900,000 | $2,587 |
| $900,000 – $1,000,000 | $2,769 |
Band premiums are midpoints on the Austin dwelling curve (typical local home value about $555,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Austin, TX, using a typical local home value of about $555,300. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Austin, TX: local context
Austin is home to around 974,447 residents, located in Williamson County, part of the Austin metro area.
Texas capital in Travis County; tech, government, and university employment support a fast-growing housing market.
Local housing is a mix of single-family homes typical of Austin metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Central Texas pricing reflects hail, wind, and wildfire fringe risk in Hill Country and metro fringe areas.
Our Austin office is at 115 West 5th Street, Austin, TX 78701. Call (972) 798-3769, or see the Austin office page.
What moves home insurance rates in Austin
Insurers price a Austin home quote from several overlapping factors. Most of the price comes from rebuild cost, the roof’s age and material, and local storm or wildfire exposure; your deductible and claims record can change the final premium as much as the carrier brand itself.
Replacement cost is the cost to rebuild the home with similar materials at today’s labor and material prices. Because the carrier’s top payout climbs with the rebuild estimate, larger figures for Austin properties usually lift premiums.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality all influence how a property performs in wind, hail, and fire common across Texas.
Similar Austin houses with close rebuild estimates may still get different quotes due to location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
Underwriters grade fire protection using protection class plus the distance to hydrants and stations; good protection usually means a more competitive price.
Claims history remains a major rating input: recent claims on the property or household often increase rates for Austin renewals and new business quotes as well.
In states that allow it, insurers may apply a credit-based insurance score, and a better score usually means a lower premium.
Common discounts for Austin, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts are not uniform across carriers, and the amounts vary. Treat “up to” as the top end, not what everyone gets.
Homeowners coverage basics
- Dwelling (Coverage A): It pays to rebuild the house itself after a covered loss, and it should match current reconstruction costs in your area.
- Other structures (Coverage B): Protection for anything detached from the main house, like a garage, shed, or fence.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Pricier categories often carry sublimits.
- Loss of use (Coverage D): Added costs of living elsewhere until repairs are done after a covered claim leaves it uninhabitable.
- Personal liability (Coverage E): Should you be held legally responsible for someone else’s injury or property damage from a covered event, this coverage steps in.
- Medical payments (Coverage F): If a visitor is injured at your home, this covers medical costs, frequently with no formal liability claim.
Bundling home and auto in Austin, TX
Illustrated average bundle savings, not a quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Austin, Texas | $210 | $306 | $414 |
Neighborhoods around Austin
- Avery Ranch
- Highland Horizon
- Parmer Crossing at Lakeline Station
- Robinson Ranch
- Silverado at Brushy Creek
- The Avery
- The Marquis at Brushy Creek
- Ventana Oaks
- Latitude at Presidio
- Casitas
- The Commons at Avery Ranch
- The Eden at Pearson Ranch
- Sycamore Springs
- The Ranch
- The Landing
- Breakaway Park
- The Highlands
- Bexley at Silverado
Housing and weather facts for Austin
Half of Austin’s homes were built in or before 1994. About 26% of homes were built in 2010 or later, so discounts for newer construction can matter here.
NOAA’s Storm Events Database lists 81 hail reports within about 9 miles of Austin from 2016 through 2025; 68 were one inch or bigger. The biggest was 3 inches in September 2023.
Named places the USGS records in and around Austin include Rollingwood, West Lake Hills, Abercrombie, Pershing, Iglehart, and Greenshores. Rates can still differ from one section to the next because of construction era and roof condition.
For heat, Austin households mostly rely on electricity (57%) and utility gas (41%).
In FEMA’s National Risk Index, Travis County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively Moderate”).
ACS 2020–2024 estimates put about 483,071 housing units in Austin, and owner-occupants live in roughly 43% of the occupied homes. By structure type, 43% are detached single-family houses and 50% are in buildings with two or more units.
From 2000 on, Travis County has appeared in 15 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Austin’s recorded beginnings date to 1835. The name honors Stephen F. Austin. Census counts put Austin at 656,562 residents in 2000 and 790,390 in 2010, and the Census Bureau’s July 2024 estimate is 993,588. That works out to about 51% more residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 135 hail reports within 5 miles of Austin between 1955 and 2015, the largest 4 inches on May 14, 2008. Reports of 2-inch or bigger hail number 20 in that span. NOAA Storm Prediction Center records list 29 tornadoes that began within 10 miles of Austin from 1950 through 2015; the most powerful, rated F3, touched down on May 10, 1959.
Shopping around the area? See our home insurance pages for West Lake Hills (4 mi), Steiner Ranch (10 mi), and Wells Branch (11 mi).
Austin-area ZIP codes we insure
73301 · 73344 · 78681 · 78701 · 78702 · 78703 · 78704 · 78705
Landlord coverage for Austin rental properties
If you own a rental in Austin and do not live there, a standard HO-3 homeowners policy usually does not apply. Landlord or dwelling coverage is built for the building, loss of rents, vacancy rules, and premises liability, while tenants carry their own renters policy for their belongings.
Local weather and site risks in Austin (storms, hail/wind, flood exposure where relevant, and vacancy between leases) should shape deductibles, DP-1 / DP-2 / DP-3 choice, and whether you add flood or water-backup coverage.
Read our Austin landlord insurance guide, the statewide Texas landlord insurance hub, or call (800) 253-1482 for a rental quote. You can also request a quote online.
Other Texas insurance pages
Austin, TX homeowners quotes
For Austin residents, Freedom Insurance Group checks 25+ carriers. Reach us at (800) 253-1482 or begin a free home quote online.
