5 Best Austin Homeowners Insurance Companies (2025)
Republic Indemnity, Travelers, and USAA offer some of the best homeowners insurance policies in Austin.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byElena Stratoberdha
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Table of contents
Austin, the capital city of Texas, has a population of around 1 million people, 44% of whom are homeowners.[1] On average, Austin homeowners pay $2,784 per year for $300,000 in dwelling coverage with a $1,000 deductible, which is higher than the national average cost of $2,532 for the same coverage.
Austin homeowners experience wildfires, flash flooding, and other severe weather, making it especially important to secure the right home insurance policy. You can find the cheapest rates by comparing quotes from multiple insurers.
Here’s what you should know about finding the right homeowners insurance policy for your Austin home.
Quick Facts
Republic Indemnity, Travelers, and USAA are some of the cheapest home insurance companies in Austin.
The Texas state average for a home insurance policy with $300,000 in dwelling coverage is $4,140 per year, which is higher than the Austin average.
Austin has the cheapest home insurance rates for a major city located in the coastal plains of Texas. Homeowners living in neighboring metropolitan cities, like San Antonio and Houston, pay an annual average of $3,156 and $5,244 for $300,000 in dwelling coverage, respectively.
Best home insurance companies in Austin
Austin homeowners can choose from several quality home insurance companies. But the best home insurance company for you depends on your unique situation and needs. In addition to cost, you should consider customer satisfaction, quality of coverage, policy options, and more.
Here’s a closer look at a five of the best homeowners insurance companies in Austin.
Best insurer for cheap rates: Farmers
cheap rates
Farmers
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| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $179/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $284/mo |
Austin homeowners can find some of the cheapest rates available through Farmers. In addition to homeowners insurance, Farmers offers car insurance, motorcycle insurance, life insurance, pet insurance, and more. The wide range of policy options gives you an opportunity to save when you bundle multiple types of insurance, which can lead to even cheaper rates.
Pros
Some of the cheapest rates in Austin
Multiple types of insurance to choose from
Cons
Below-average J.D. Power customer satisfaction rating
Some negative Trustpilot reviews
Best insurer for flood insurance: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $133/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $223/mo |
Travelers is the sixth-largest insurer in the U.S., and the company offers low average home insurance rates in Austin. Travelers also offers flood insurance as a separate policy. This can be a good choice for homeowners in flood-prone areas of Austin because it pays for flood damage, which standard homeowners insurance doesn’t cover.
Pros
Flood insurance available
Large insurer with many coverage options
Cons
Below-average J.D. Power customer satisfaction rating
Relatively negative Trustpilot reviews
Best insurer for high-risk homes: Texas Farm Bureau Group
Texas Farm Bureau Group offers homeowners in Austin below-average rates. While the company hasn’t earned accolades for home insurance, it has earned the top spot for customer satisfaction among auto insurers in Texas in the J.D. Power survey 11 years in a row. Based on that ranking, it’s likely you’ll have a positive customer experience with the company.
The company has served the area in some form since 1952. With a network of local agents, this company might provide the personalized touch you’re looking for. Generally, an insurance agent can help you find the coverage you need, even if you have a home that qualifies as high-risk.
Pros
Below-average rates
Local roots since 1952
Cons
Some negative Yelp reviews
Must work with a local agent to finalize the right policy for you
Best insurer for military families: Armed Forces Insurance Exchange
Around 32,000 veterans live in Austin. If you’re a veteran or have a qualifying military connection, you can earn below-average home insurance rates from the Armed Forces Insurance Exchange. The company sells insurance exclusively to military members, veterans, and qualifying family members.
Pros
Below-average rates
Offers a range of insurance products
Cons
Some negative Yelp reviews
Available only to military members, veterans, and their families
Best insurer for home and auto bundling: USAA
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $175/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $256/mo |
As one of the largest insurers in the U.S., USAA offers affordable home insurance coverage to active-duty military, veterans, and their family members living in Austin. If you’re also looking to save money on your auto insurance, you can bundle your homeowners and auto insurance with USAA and potentially save up to 10% on your annual premium.
Pros
Option to increase coverage by 25% for rebuilding costs, debris removal, and construction code requirements
Discounts available for bundling, smart safety devices, security systems, and being claims free
Cons
Limited to active-duty military, veterans, and their families
Numerous recent consumer complaints on Better Business Bureau and Trustpilot sites
Our editorial team analyzed regional and national home insurance companies that sell policies in Austin to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
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How much is home insurance in Austin?
The average cost of homeowners insurance in Austin is $2,432 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. The exact cost of your policy will vary based on your needs. This is lower than the statewide average of $3,616 per year for the same coverage levels.
Here are several factors that affect premiums in Austin:[2]
Location of the nearest fire department
Living near a fire department can help you earn lower rates.
Age of the home
Older homes with outdated building materials are usually more expensive to insure.
Condition of the roof
Having an older or damaged roof often increases your home insurance premiums.
Cost to rebuild
If you’re insuring a large home, it’s often more expensive to rebuild it after a total loss. The higher rebuilding costs can make your home insurance more expensive.
Cheapest home insurance companies in Austin
Homeowners in Austin can find the cheapest home insurance with Republic Indemnity. Policyholders with coverage from Republic Indemnity pay a monthly average of $83. While Republic Indemnity offers consistently low rates, shopping around can help you find the company offering the best rates for your unique situation.
Here are some insurance companies offering affordable home insurance in Austin.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Republic Indemnity | $672 |
| Travelers | $1,164 |
| Farmers | $1,512 |
| Foremost | $1,536 |
| USAA | $1,572 |
| Mercury | $1,656 |
| Nationwide | $2,040 |
| State Farm | $2,316 |
| Allstate | $2,436 |
| Chubb | $3,564 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Republic Indemnity | $1,644 |
| Travelers | $2,676 |
| USAA | $3,072 |
| Farmers | $3,408 |
| Mercury | $3,516 |
| Foremost | $3,684 |
| State Farm | $3,864 |
| Nationwide | $4,140 |
| Allstate | $5,988 |
| Chubb | $7,176 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Republic Indemnity | $2,388 |
| Travelers | $3,972 |
| USAA | $4,224 |
| Farmers | $4,464 |
| Mercury | $5,136 |
| State Farm | $5,160 |
| Foremost | $5,436 |
| Nationwide | $5,772 |
| Allstate | $8,172 |
| Chubb | $9,516 |
How much homeowners insurance do you need in Austin?
If you take out a home loan to purchase your home, your mortgage lender will require you to purchase a home insurance policy. While you could cancel the policy after paying off your mortgage, going without homeowners insurance means you’ll have to pay for damage to your home without the help of an insurance check.
When it’s time to purchase homeowners insurance, consider the types of home insurance that a standard policy includes:[3]
Dwelling coverage: If your home requires repair and has extensive damage after a catastrophic event, this coverage helps pay for that. You’ll want to have enough dwelling coverage if you must rebuild your home.
Personal liability: This coverage protects you against lawsuits for bodily injury or property damage. For example, this includes medical payments to someone who injures themselves in a fall on your property.
Personal property: If a covered peril damages your personal belongings, it’s a good idea to get enough coverage to replace them. This involves estimating the value of your belongings.
Loss of use: If you need to rent another place while your home undergoes repairs, this policy will help cover the costs.
Before you move forward with a policy, read the fine print and confirm the policy meets your specific needs. It’s critical to understand exactly what your home insurance policy covers and what it doesn’t.
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What to know about home insurance in Austin, TX
Austin homeowners typically see lower home insurance rates compared to homeowners living in San Antonio or Houston. This is because Austin’s inland location in Central Texas makes it a relatively low-risk area for natural disasters like hurricanes and tornadoes. While Austin remains vulnerable to flash floods during heavy storm surges, the city’s flood drainage systems aim to lessen potential damage.
As you look for homeowners insurance, it’s important to consider some of the biggest risks facing Austin homeowners. Here are a few of the risk factors to consider:
Flash floods
Flash flooding represents the most common natural disaster in the Austin area. Standard home insurance policies don’t include flood damage events. With that, Austin residents should consider purchasing supplemental insurance coverage to protect from floods.
Wildfires
Wildfires are a threat in Austin. In fact, almost half of the population lives in an at-risk wildfire area. In general, a standard homeowners insurance policy should cover damage from a wildfire. But it’s a good idea to double-check the details of your policy to confirm you have the right coverage.
Storm damage
Severe weather can cause damage to your Austin home. A standard homeowners insurance policy should cover damage from a passing storm.
Average cost of home insurance in other cities in Texas
Where you live has a big influence on your home insurance costs. Rates often vary by city and ZIP code due to factors like the frequency of weather events in your area, crime rates nearby, and your proximity to a fire station. For example, some areas in Austin are prone to flash floods, which means you’ll likely pay more for insurance if you live in that area of town.[4]
In general, the average cost of homeowners insurance is higher in major cities due to the higher cost of repairs and more potential perils in urban areas.
The table below highlights how average rates vary by city in the Lone Star State.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| El Paso | $1,944 |
| Austin | $2,784 |
| San Antonio | $3,156 |
| Dallas | $4,368 |
| Lubbock | $4,440 |
| Houston | $5,244 |
| Corpus Christi | $6,108 |
Austin homeowners insurance FAQs
Finding the right amount of coverage for your insurance needs is important. The following information should answer your remaining questions about finding cheap Austin homeowners insurance.
The average cost of home insurance in Austin is $2,784 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. For the same coverage with a $500 deductible, the average cost in Austin is $2,675 per year. If you decide to purchase a separate flood insurance policy, you’ll have to pay another premium.
Republic Indemnity has the cheapest homeowners insurance in Austin, with an average monthly premium of $83 for $300,000 in dwelling coverage.
The best home insurance companies in Austin include Republic Indemnity, Travelers, USAA, Farmers, and Mercury. Keep in mind that each insurance company is different, so if you’re searching for affordable coverage and have specific homeowner needs, compare home insurance quotes from multiple insurers to find what’s best for you.
No. Texas doesn’t require homeowners to purchase home insurance, but your mortgage company will. Even if you’ve paid off your mortgage, you should maintain home insurance to avoid expensive out-of-pocket costs following damage to your home.
The average annual cost to insure a Texas home with $500,000 in dwelling coverage is $6,288 for a policy with a $1,000 deductible and $3,978 for a policy with a $500 deductible.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- United States Census Bureau. "QuickFacts Austin city, Texas."
- Insurance Information Institute. "Home buyer's insurance guide."
- Insurance Information Institute. "How much homeowners insurance do I need?."
- The City of Austin. "Disaster Ready Austin."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.