How Much Does Home Insurance Cost in Austin, TX?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.120 – $3.920
+12% vs national average
$1.120$2.520$3.920
LowNational avg: $2.250High
Austin vs State & National Average
| Category | Austin | Texas Avg | National Avg |
|---|---|---|---|
| Average cost | $2.520 | $2.507 | $2.250 |
| Low estimate | $1.120 | $1.880 | $1.688 |
| High estimate | $3.920 | $3.259 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Austin?
In Austin, TX, home insurance typically costs between $1.120 and $3.920. The average is $2.520, which is 12% above the national average.
Is Austin expensive for home insurance?
Austin has a cost-of-living index of 112 (100 = national average). Home Insurance costs are 12% higher than the national average of $2.250.
What factors affect home insurance costs in Austin?
Key factors include local labor costs, cost of materials, market competition, Texas state regulations, and Austin's overall cost of living (index: 112/100). Prices can also vary by season and specific requirements.