🏠 Home insurance cost in Austin, TX (2027)
Estimated average: $4,720 per year — +105% vs. the U.S. average of $2,300.
With about 979,882 residents, Austin is a major metro and the #4 largest city in Texas. Home insurance rates here are estimated at $4,720 per year, above the Texas average of $4,370 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Austin with other Texas cities.
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Austin home insurance FAQ
How much is home insurance in Austin, TX?
The estimated average is $4,720 per year — above the state average (+8% vs. the Texas average of $4,370, and +105% vs. the U.S. average).
Is home insurance more expensive in Austin than elsewhere in Texas?
Austin has about 979,882 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Austin?
Compare at least three quotes from insurers active in Austin, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.