Cheapest home insurance carriers in Austin
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — Austin averages about $3,498/yr (median of the carriers below: $3,162/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | Mercury Insurance | $2,361/yr | Save $801 |
| 2 | USAA | $2,619/yr | Save $543 |
| 3 | State Farm | $2,714/yr | Save $448 |
| 4 | Texas Farm Bureau | $2,728/yr | Save $434 |
| 5 | Amica Mutual | $3,128/yr | Save $34 |
| 6 | Nationwide | $3,195/yr | +$33 |
| 7 | Progressive | $3,492/yr | +$330 |
| 8 | Travelers | $3,584/yr | +$422 |
| 9 | The Hartford | $3,819/yr | +$657 |
| 10 | Safeco | $3,856/yr | +$694 |
Why home insurance costs what it does in Austin
Austin-area home insurance is priced mainly around hail, storms and flooding. Austin faces hail, severe storms, and flash flooding along the Balcones Escarpment, keeping premiums above the national average though below the Gulf coast.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a Austin-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all Texas home rates & carriers → · Who’s raising & cutting Texas home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled Austin offset to the Texas average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.