Austin, TX
Auto and home insurance in Austin, Texas
How Austin households can compare car and home coverage, with local Census data. A quote is not a binder.
Austin has about 980,000 residents in Travis County. 56% of its workers drive to work alone and 43% of households own their home, so most families here need both a car policy and a homeowners policy.
How Austin gets around
| Measure | Austin | Texas |
|---|---|---|
| Drive alone to work | 56% | 71% |
| Carpool | 6% | 10% |
| Work from home | 31% | 14% |
| Commute of 45 minutes or more | 10% | 17% |
| Commute under 15 minutes | 24% | 25% |
| Households with no vehicle | 7% | 5% |
| Households with 3 or more vehicles | 12% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 10% of Austin commuters travel 45 minutes or more each way (Texas: 17%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
With 31% of Austin workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
In Austin, 7% of households live without a car while 12% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in Austin
Homes in Austin carry a median value of $555,300 and a median construction year of 1994. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Texas HO-3 policyholders with $500,000–$599,999 of dwelling coverage paying an average of $3,497; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Austin drivers
The state minimum is 30/60/25. Additional requirement: none beyond liability (PIP and UM must be rejected in writing). See our state minimums guide for how these compare across our ten states.
Should Austin homeowners bundle?
With 43% of households owning their home, bundling is an option for most Austin families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
What can go wrong in Austin
Plan for Gulf hurricanes near the coast, along with flash flooding. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Neighboring cities and Austin
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. In San Antonio, 52% own their home and 18% of households have three or more vehicles. Dallas shows 16% working from home and a median home value of $320,700. Austin ranks 17th for long commutes among the 30 Texas cities we profile.
Gathering details for a Austin auto and home quote
- Current declarations pages for auto and home
- Target limits and deductibles
- When the roof was replaced
- Commute distance and typical yearly miles
- Vehicle year, make, model, and VIN
- Your Austin address, square footage, and year built
Questions from Austin drivers and homeowners
What auto insurance is required in Austin?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Austin drivers have long commutes?
About 10% of Austin workers commute 45 minutes or more and 24% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Austin?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
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Last updated October 15, 2026 · How we research