Cheapest Auto Insurance in Austin, Texas (2025)

Recently named the 10th-largest city in the U.S., Austin, Texas, is one of the fastest-growing cities in the country.^[1] The average cost of car insurance in Austin is $211 per month for full-coverage insurance and $134 per month for liability-only coverage.

Austin’s car insurance rates are lower than the state averages, which are $214 and $122, respectively. While Austin may rank low on the list for size nationally, it’s the fourth-largest city in Texas with a population of more than 974,000, according to U.S. Census data. The city’s population density and urban nature likely contribute to its car insurance costs.

Specific rates vary based on your driving record, age, and more, but some car insurance companies have lower average rates than others. Here’s what you need to know about finding cheap car insurance in Austin.

3 of the cheapest car insurance companies in Austin

Many car insurance companies sell coverage to drivers in Texas, but some insurers will work better for you than others. The best car insurance in Austin for you depends on your personal financial situation and coverage needs, so it’s important to shop around and compare a few insurers.

Here are some of the best car insurance companies in the city.

Insurance Company	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.	Full Coverage	Liability Only	Best For
State Farm	9.3	$96	$58	Cheap rates
USAA	9.1	$172	$104	Military personnel
Mile Auto	8.8	$146	$71	Infrequent drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Cheap Rates

Compare Quotes

User Reviews	4.1 6,224 reviews
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.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$59/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$98/mo

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Driver Reviews

4.1

Best choiceBased on 11,776 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,224)

Glick

Verified Review

State Farm has never let me down!

Reviewed in California on October 2025

I have been with them for decades... there is a good reason for that!

William

Verified Review

F egm

Reviewed in Alabama on October 2025

High rate increase.

Anna

Verified Review

State Farm for Life!

Reviewed in New York on October 2025

Coverage is great, but the price seems to be going up every month.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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++

Why we picked this company

State Farm has some of the cheapest average car insurance rates in Austin. In addition to auto insurance, the company offers a variety of insurance products, including home, property, life, health, disability, and small-business insurance. State Farm advertises at least 10 car insurance discounts that can help you save money, including young driver, safe driver, policy bundling, and driver safety course discounts.

Pros

• Lowest average rates in Austin

• Wide selection of insurance products and discounts

Cons

• Low customer satisfaction ratings on Trustpilot

• Doesn’t sell gap insurance

Best insurer for military personnel: USAA

Military Personnel

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User Reviews	4.9 1,242 reviews
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.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$106/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$176/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,220 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,242)

Lana

Verified Review

USAA 50/50

Reviewed in Mississippi on September 2025

Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).

Robert

Verified Review

Good

Reviewed in Delaware on September 2025

Safe driving discount.

Natalie

Verified Review

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Reviewed in Michigan on September 2025

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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++

Why we picked this company

USAA is the best car insurance company in Austin for active-duty, reserve, and retired military personnel — and their eligible family members. The company has an A++ (Superior) financial strength rating from AM Best and a below-average number of customer complaints with the National Association of Insurance Commissioners. USAA advertises 10 car insurance discounts and provides cheap rates in Austin.

Pros

• Many discounts available

• Excellent third-party ratings

Cons

• Only available to members of the military community

• Limited add-on coverages available

Best insurer for infrequent drivers: Mile Auto

Infrequent Drivers

Compare Quotes

User Reviews	4.5 51 reviews
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.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$73/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$149/mo

Show Details

Driver Reviews

4.5

Best choiceBased on 153 verified guest reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

Low-mileage drivers

Senior drivers

Cheap full coverage

Reviews (51)

Monsavier

Verified Purchase

My experience is that my base rate should stay the same and not be raised. I'm on a fixed budget.

Reviewed in on September 2025

The mile-per-minute charge is a bit much. It's not a good idea because your base rate changes every month and is adjusted according to your mileage. Your base rate should stay the same and not be raised.

James L

Verified Review

Good company

Reviewed in Georgia on September 2025

Good if you don't drive a lot of miles.

Mark

Verified Review

Mile Auto Insurance

Reviewed in Florida on September 2025

Don't buy Mile insurance if you drive great distances, i.e., 400 miles or more.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

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).

NR

Why we picked this company

Mile Auto offers pay-per-mile auto insurance, which can be a more affordable coverage option for infrequent drivers. You’ll need to send in your odometer reading once a month, but Mile Auto doesn’t require drivers to plug in a device to their vehicles. You pay based on the distance driven each month, plus a base rate. The company has below-average rates in Austin, but your actual rates will depend on your driving habits.

Pros

• Affordable coverage for infrequent drivers

• Doesn’t require you to install a telematics device

Cons

• No advertised discounts

• Doesn’t offer customizable coverage

How to get the cheapest car insurance in Austin

If you’re looking for cheap car insurance in Austin, Texas, you should consider the following suggestions:

• Look into company discounts. Most auto insurance companies in Austin provide a small discount to drivers who pay their annual premium up front and in full. Other common discounts reward safe drivers, good students, and loyal customers.

• Take a defensive driving course. You can often get a car insurance discount for completing an approved defensive driving course.

• Maintain a clean record. Having a clean driving record with no accidents, tickets, or other violations will help you get and maintain the lowest rate possible.

• Bundle your policies. You can usually save money if you bundle a car insurance policy with a homeowners insurance or renters insurance policy.

• Choose a high deductible. Selecting high deductibles for policies like collision or comprehensive insurance will typically result in a lower monthly premium.^[3] Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.

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Liability rates start at $59 per month

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Cheapest liability-only car insurance in Austin: State Farm

Liability-only car insurance covers your financial responsibilities when you cause an accident. If the other driver suffers bodily injury or property damage, your liability insurance policy will cover their medical expenses and vehicle repairs. It doesn’t cover your expenses.^[4]

Though liability insurance is typically the cheapest policy you can get, it may not provide sufficient coverage unless you have an older vehicle.

The monthly average rate for liability coverage in Austin is $134. In the table below, you can see which car insurance companies in Austin have the lowest average quotes for liability-only insurance.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$59
Mile Auto	$73
Allstate	$84
Progressive	$105
USAA	$106
GEICO	$107
Mercury	$110
Root	$119
Dairyland	$121
Bristol West	$125
The General	$125
AssuranceAmerica	$131
Commonwealth Casualty	$131
Nationwide	$134
Clearcover	$140
GAINSCO	$140
Safeco	$141
Direct Auto	$151
National General	$153
Elephant	$162
Chubb	$181
21st Century	$210
Liberty Mutual	$268

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Austin: State Farm

Full-coverage car insurance provides more protection than a liability-only policy.

“Full-coverage policies include collision and comprehensive insurance, which cover losses like accident damage, theft, and vandalism,” says Nick Schrader, a licensed insurance agent with Texas General Insurance.

For most drivers, full-coverage auto insurance is optional. But many lenders require full coverage if you lease or finance a vehicle. You may also want to consider this policy if you have a new or valuable vehicle that would be expensive to repair or replace after a covered loss.

The average rate for full coverage in Austin is $211 per month. You can see which car insurance companies in Austin have the cheapest rates for full-coverage insurance below.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$98
Allstate	$139
Mile Auto	$149
Mercury	$171
USAA	$176
GEICO	$177
Progressive	$190
Root	$216
Safeco	$220
Nationwide	$221
Clearcover	$224
Direct Auto	$243
The General	$246
Elephant	$250
Bristol West	$257
National General	$264
GAINSCO	$282
AssuranceAmerica	$285
Chubb	$299
Commonwealth Casualty	$327
21st Century	$346
Dairyland	$347
Liberty Mutual	$349

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

Vehicle owners in Texas must carry the state’s minimum insurance requirements for personal liability insurance. Texas insurers must also always offer drivers personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) insurance. You can refuse these coverages in writing if you don’t want them.^[5]

Texas is an at-fault, or tort, state. In the event of an accident, the at-fault driver’s insurance covers the other driver’s losses, including medical bills and property damage repairs.

You can find the specific Texas minimum requirements below.

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$25,000 per accident

Most Texas car insurance companies also offer optional auto coverages that fill gaps in your basic policy and provide more protection. Here are some of the most common endorsements that can be beneficial for drivers in Austin:

• 

  Collision coverage

  Collision coverage pays for damages to your vehicle after an accident, regardless of fault. This includes hitting another vehicle, or an object like a tree, fence, or light pole. Collision will also pay for rollover accidents and pothole damage.

• 

  Comprehensive coverage

  After a non-collision incident, comprehensive insurance pays for your vehicle repairs. For example, comprehensive insurance will cover theft, vandalism, weather damage, fires, and falling objects.

• 

  Gap coverage

  If you lease or finance your car, gap insurance covers the difference between the car’s value and what you still owe the lender in the event of a total loss.

• 

  Roadside assistance coverage

  Roadside assistance covers the cost of basic roadside repairs, like jump-starting a battery, flat tire changes, fuel delivery, extrication, and lockouts. Some policies also cover towing up to a certain mileage.

Cheapest car insurance for drivers with an incident

Your driving record is one of the most significant factors affecting your car insurance premium. Drivers with an incident, like a speeding ticket or an at-fault accident, usually pay higher rates for insurance than drivers with a clean record. More serious violations, like driving while intoxicated (DWI) or reckless driving, can have an even larger effect on your premium.^[6]

Find Car Insurance in Austin

Liability rates start at $70/mo. for drivers with incidents on their records

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Based on 7,669+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: State Farm

If you have a speeding ticket on your record, you’ll likely pay more for car insurance. Compared to other types of violations, the rate increase after a speeding ticket is usually small. But the price of your policy after a ticket will depend on your insurance company, as well as whether you have other incidents on your record and how much you went over the speed limit.

Liability-only coverage for drivers with speeding tickets averages $161 per month in Austin, while the average for full coverage is $254. Here are the cheapest car insurance companies in Austin for drivers with a speeding ticket on their record.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$59	$72
Mile Auto	$73	$86
Allstate	$84	$104
Progressive	$105	$126
USAA	$106	$132
GEICO	$107	$136
Mercury	$110	$150
Root	$119	$154
Dairyland	$121	$148
Bristol West	$125	$154
The General	$125	$163
AssuranceAmerica	$131	$152
Commonwealth Casualty	$131	$152
Nationwide	$134	$167
Clearcover	$140	$180
GAINSCO	$140	$165
Safeco	$141	$180
Direct Auto	$151	$186
National General	$153	$187
Elephant	$162	$190
Chubb	$181	$222
21st Century	$210	$266
Liberty Mutual	$268	$330

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Getting into an accident can affect your car insurance premium, especially if it results in a costly claim. Even if you weren’t fully responsible for the crash, you may still see an increased rate. If you have an at-fault accident on your record, getting new insurance quotes could help you find a cheaper policy.

If you’ve been accident-three for at least three years, you may be eligible for accident forgiveness coverage, which keeps your car insurance rates steady after your first at-fault accident.

Austin drivers with at-fault accidents on their motor vehicle records face average full-coverage costs of $271 per month and liability-only rates of $172. The following companies have the cheapest auto insurance for drivers in Austin with an at-fault accident.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With At-Fault Accident
State Farm	$59	$75
Mile Auto	$73	$95
Allstate	$84	$108
Progressive	$105	$135
USAA	$106	$137
GEICO	$107	$133
Mercury	$110	$159
Root	$119	$151
Dairyland	$121	$157
Bristol West	$125	$161
The General	$125	$168
AssuranceAmerica	$131	$157
Commonwealth Casualty	$131	$170
Nationwide	$134	$174
Clearcover	$140	$201
GAINSCO	$140	$176
Safeco	$141	$193
Direct Auto	$151	$202
National General	$153	$198
Elephant	$162	$208
Chubb	$181	$232
21st Century	$210	$275
Liberty Mutual	$268	$348

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI: State Farm

A DWI is one of the most serious traffic violations. If you’re convicted of driving under the influence, you can expect to pay much more for your car insurance policy. Shopping around for new quotes can help you get a more affordable premium, but most car insurance companies charge high rates to drivers with a DWI.

In Austin, a DWI pushes average month rates to $263 for full coverage and $167 for liability-only insurance. Here are the car insurance companies with the cheapest average monthly premiums for Austin drivers with a DWI.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$59	$79
Mile Auto	$73	$98
Allstate	$84	$113
Progressive	$105	$131
USAA	$106	$143
GEICO	$107	$139
Mercury	$110	$155
Root	$119	$157
Dairyland	$121	$163
Bristol West	$125	$168
The General	$125	$168
AssuranceAmerica	$131	$176
Commonwealth Casualty	$131	$176
Nationwide	$134	$180
Clearcover	$140	$188
GAINSCO	$140	$188
Safeco	$141	$212
Direct Auto	$151	$203
National General	$153	$206
Elephant	$162	$218
Chubb	$181	$244
21st Century	$210	$283
Liberty Mutual	$268	$361

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age can affect your car insurance rates. Senior drivers often pay more expensive car insurance rates than middle-aged drivers. Although premiums tend to steadily decrease around the age of 35, they typically increase again for drivers around age 70.

Data shows that drivers 70 and older have higher fatal crash rates than middle-aged drivers, which could contribute to the higher cost of car insurance.^[7]

Senior drivers in Austin see average monthly car insurance rates of $113 for liability-only coverage and $178 for full coverage. In the table below, you can see the cheapest car insurance companies in Austin for older drivers.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$77	$46
Allstate	$113	$68
Mile Auto	$117	$57
Mercury	$139	$89
GEICO	$140	$85
USAA	$143	$86
Progressive	$161	$89
Nationwide	$168	$102
Root	$181	$100
Safeco	$191	$123
Direct Auto	$194	$121
Clearcover	$195	$122
The General	$203	$103
National General	$206	$119
Elephant	$208	$135
Bristol West	$211	$103
AssuranceAmerica	$220	$101
Chubb	$224	$136
GAINSCO	$237	$118
Commonwealth Casualty	$262	$105
21st Century	$270	$164
Dairyland	$283	$99
Liberty Mutual	$290	$223

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers pay the most expensive rates for car insurance. Newly licensed young drivers have the least amount of experience on the road, and they have higher rates of accidents than older drivers.^[8]

On average, teen drivers in Austin pay $415 for full coverage and $263 for liability-only policies.

But teen drivers can still find ways to earn a more affordable rate for car insurance. Many insurance companies offer discounts for getting good grades in school, driving a safe vehicle, being away at college, and enrolling in a safe driver rewards program. Teens can also usually get cheaper insurance if they join a parent’s car insurance policy instead of buying their own. If you’re younger than 18, you’ll need the written consent of a parent or guardian to buy your own car insurance policy.

Below, you can see which Austin car insurance companies have the cheapest average quotes for teen drivers.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$195	$117
Allstate	$284	$171
Mile Auto	$316	$155
GEICO	$332	$201
Mercury	$333	$214
USAA	$337	$203
Progressive	$374	$206
Root	$392	$216
Clearcover	$395	$247
The General	$444	$226
Nationwide	$446	$270
Elephant	$450	$291
Safeco	$453	$290
Bristol West	$478	$233
Direct Auto	$495	$307
GAINSCO	$550	$273
National General	$555	$322
AssuranceAmerica	$594	$273
Dairyland	$601	$209
Commonwealth Casualty	$624	$250
Liberty Mutual	$642	$493
Chubb	$648	$392
21st Century	$654	$397

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Austin car insurance quotes by credit tier

In Texas, car insurance companies can use credit-based insurance scores, which means your credit score can affect your premium. Drivers with good credit scores typically pay lower rates than drivers with poor credit scores.

In the table below, you can see the average monthly full-coverage car insurance quotes in Austin based on credit tier.

Is car insurance more expensive in Austin?

Compared to the national average cost of auto insurance, Austin is more expensive. On average, U.S. drivers pay $180 per month for full-coverage insurance and $101 per month for liability coverage. The average monthly rate for car insurance in Austin is $211 for full coverage and $134 for liability coverage.

Premiums can vary depending on your state, city, and ZIP code due to factors like population density, vehicle theft rates, accident rates, and more.

More cities in Texas

Because location is one of the factors that can affect the cost of auto insurance, certain cities and ZIP codes within Texas have higher and lower rates than others. For example, the average full-coverage rate in Houston is $278, compared to the Austin average of $211.

Below, you can see the average monthly quotes for some other Texas cities.

City	Full Coverage	Liability Only
Arlington	$218	$129
Dallas	$243	$137
El Paso	$195	$106
Fort Worth	$214	$123
Galveston	$204	$133
Houston	$278	$175
Irving	$229	$129
Plano	$222	$128
San Antonio	$223	$129

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Austin car insurance FAQs