5+ years writing insurance and personal finance topics
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Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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 $235 per month for full-coverage insurance and $129 per month for liability-only coverage.
Austin's car insurance rates are lower than the state averages, which are $250 and $119, 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.
Quick Facts
Austin has a population density of more than 3,000 people per square mile, which can increase the risk of traffic accidents.
Texas insurers can consider your credit history when determining your insurance premium.[2]
Rates start as low as $39/mo. for liability-only coverage
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Best 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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$39/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.
$63/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$68/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.
$113/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$52/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.
$105/mo
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
Cheapest liability-only car insurance in Austin
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.
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, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
39
GEICO
42
Hugo
52
Mile Auto
52
Allstate
53
USAA
68
Safeco
79
Nationwide
90
Mercury
93
Midvale Home & Auto
96
Progressive
96
Dairyland
103
Clearcover
105
Chubb
116
National General
120
Liberty Mutual
124
Elephant
126
Commonwealth Casualty
130
Direct Auto
132
21st Century
134
The General
145
GAINSCO
147
Bristol West
161
State Auto
173
AssuranceAmerica
180
Infinity
187
Foremost
214
Hallmark
226
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
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. However, 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.
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, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
63
GEICO
69
Allstate
89
Mile Auto
105
USAA
113
Clearcover
138
Hugo
142
Mercury
147
Travelers
158
Nationwide
161
Progressive
170
Midvale Home & Auto
171
Safeco
171
Chubb
192
Elephant
205
21st Century
222
AssuranceAmerica
233
Liberty Mutual
253
Direct Auto
259
Dairyland
260
National General
264
Infinity
286
The General
294
Bristol West
305
State Auto
318
GAINSCO
319
Commonwealth Casualty
332
Foremost
429
Hallmark
447
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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]
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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. However, 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 $183 per month in Austin, while the average for full coverage is $334. 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, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
80
49
GEICO
88
54
Allstate
114
68
USAA
145
87
Mile Auto
149
74
Clearcover
191
145
Hugo
201
74
Nationwide
208
117
Mercury
217
137
Progressive
227
128
Safeco
238
110
Chubb
250
151
Elephant
265
163
21st Century
297
179
AssuranceAmerica
319
246
National General
341
155
Direct Auto
343
175
Dairyland
345
137
Liberty Mutual
349
171
Infinity
378
247
The General
392
193
Bristol West
399
210
GAINSCO
400
184
Commonwealth Casualty
415
162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.
And, 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 $355 per month, and liability-only rates of $195. 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, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
85
53
GEICO
95
58
Allstate
122
73
USAA
155
93
Mile Auto
160
79
Hugo
195
71
Nationwide
223
125
Clearcover
224
170
Mercury
230
145
Progressive
242
137
Safeco
255
118
Chubb
265
160
Elephant
284
175
21st Century
314
190
AssuranceAmerica
333
257
Dairyland
364
144
Direct Auto
367
187
National General
369
168
Liberty Mutual
372
182
Infinity
377
246
The General
417
206
Bristol West
418
221
GAINSCO
430
198
Commonwealth Casualty
459
180
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $402 for full coverage and $221 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, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
103
64
GEICO
112
68
Allstate
145
86
Mile Auto
178
88
USAA
184
111
Hugo
214
78
Clearcover
225
171
Mercury
246
156
Nationwide
262
147
Progressive
277
157
Safeco
279
129
Chubb
313
189
Elephant
334
205
21st Century
362
218
AssuranceAmerica
380
293
Liberty Mutual
412
202
Direct Auto
422
215
Dairyland
424
168
National General
430
196
Infinity
466
305
The General
479
236
Commonwealth Casualty
486
190
Bristol West
497
262
GAINSCO
520
240
Foremost
699
349
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $92 for liability-only coverage and $168 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, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
32
20
GEICO
39
24
Allstate
51
30
Mile Auto
60
30
USAA
66
39
Progressive
77
43
Nationwide
80
45
Chubb
92
55
Mercury
93
59
Clearcover
113
86
Safeco
117
54
21st Century
119
72
Elephant
119
73
AssuranceAmerica
123
95
Direct Auto
146
74
Liberty Mutual
150
73
Dairyland
159
63
National General
170
77
Bristol West
181
95
The General
188
93
Commonwealth Casualty
216
85
GAINSCO
216
100
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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
In general, teen drivers in Austin 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]
However, 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 char insurance policy.
On average, teen drivers in Austin pay $401 for full coverage, and $220 for liability-only policies. 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, April 17 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
GEICO
106
65
State Farm
106
65
Allstate
153
91
USAA
183
110
Mile Auto
199
98
Clearcover
242
184
Hugo
251
92
Mercury
265
167
Nationwide
270
151
Progressive
300
169
Safeco
300
138
Elephant
332
204
Chubb
349
211
21st Century
363
219
Dairyland
413
164
Liberty Mutual
418
205
AssuranceAmerica
440
340
The General
461
227
Direct Auto
464
236
Infinity
471
308
National General
493
224
Bristol West
497
262
GAINSCO
560
258
Commonwealth Casualty
570
223
Foremost
752
375
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[9] Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $213 per month for full-coverage insurance and $104 per month for liability coverage. The average monthly rate for car insurance in Austin is $235 for full coverage and $129 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. With a total average rate of $182 per month, Austin drivers pay a bit less for coverage than the statewide Texas average of $184 per month.
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 $315, compared to the Austin average of $235.
Below, you can see the average monthly quotes for some other Texas cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Austin car insurance FAQs
Before deciding on a car insurance company, you should determine how much coverage you need and set your budget. The information below should help you navigate the process of finding cheap auto coverage in Austin, Texas.
How much is car insurance in Austin?
Austin drivers pay an overall average of $182 per month for car insurance. Full-coverage insurance averages $235 per month, while liability-only coverage is $129 per month on average. Your specific rate depends on your driving record, credit history, insurer, vehicle type, and more.
Which companies have the cheapest car insurance in Austin?
State Farm has the lowest car insurance rates in Austin, starting at $39 for liability-only policies, and $63 for full coverage.
Austin drivers can also find cheap rates with GEICO and Hugo, which have liability rates of $42 and $52, respectively.
What are the best car insurance companies in Austin?
With an Insurify Quality (IQ) Score of 4.4 and an A++ (Superior) financial strength rating from A.M. Best, State Farm is the best car insurance company in Austin. Other top insurers include GEICO, Allstate, and USAA.
Is car insurance high in Austin?
Drivers in Austin pay an overall average of $242 per month for auto coverage, which exceeds the national average of $158 per month and the Texas average of $184 per month. Still, Austin drivers pay less for coverage than residents of other Texas cities such as including Dallas and Houston.
Is Texas a no-fault state?
No. Texas is an at-fault state. The driver responsible for the accident must cover the costs of vehicle damage and bodily injury they cause the other driver and their passengers. This includes medical expenses and vehicle repairs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.