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Cheap Auto Insurance Quotes in Austin, TX (September 2022)

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Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated February 4, 2022

Car Insurance in Austin, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Austin, TX to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Austin is $228 per month, or $2736 annually.
  • Car insurance in Austin is $13 more than the average cost of car insurance in Texas.
  • The cheapest car insurance provider in Austin on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$149
State Farm
$159
Nationwide
$175
Direct Auto
$181
Mercury
$216

Cheapest Car Insurance in Austin, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in AustinQuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$149 /mo
State Farm$159 /mo
Nationwide$175 /mo
Direct Auto$181 /mo
Mercury$216 /mo

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Average Car Insurance Cost

Texas Cities
Houston$222/mo
San Antonio$225/mo
Dallas$258/mo
Fort Worth$190/mo
Austin$203/mo
Texas$220/mo
Fort Worth
$190
Austin
$203
Average for TX
$220
Houston
$222
San Antonio
$225
Dallas
$258
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Find local Austin agents

  • Lorac Services, LLC 

    10917 S. IH 35,
    Austin, TX 78747
  • Watkins Insurance Group 

    3834 Spicewood Springs Road,
    Austin, TX 78759
  • Central Insurance Agency 

    6000 N. Lamar Blvd.,
    Austin, TX 78752
  • ANCO Insurance of Austin 

    3103 Bee Cave Road,
    Austin, TX 78746
  • Sentry Insurance Group 

    15501 RR 620 N,
    Austin, TX 78717
  • Heaton Bennett Insurance 

    3933 Steck Avenue #B119,
    Austin, TX 78759
  • TexStar-Integra Insurance Services 

    '1921 Lohman''s Crossing,
    Ste 100, Austin, TX 78734'
  • J. M. Rowley Agency, Inc. 

    6805 Guadalupe,
    Austin, TX 78752
  • Frost Insurance Agency, Inc. 

    401 Congress,
    Ste.1400, Austin, TX 78701
  • The John A. Barclay Agency, 

    8701 Shoal Creek Blvd,
    Austin, TX 78757
View more

FAQs - Austin, TX Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Austin Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Austin, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Austin drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Corolla

Most Popular Car in Austin

#206

City with the Most Speeding Tickets Rank in Texas

#94

City with the Most Moving Violations Rank in Texas

#48

City with the Most DUIs Rank in Texas

#178

City with the Most Suspended Licenses in Texas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Austin drivers rank 52 in the number of car accidents per driver across all cities in Texas.

    • Rank within state: #52
    • Percent of drivers in Austin with an accident: 10.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Austin drivers rank 48 in the number of DUI’s per driver across all cities in Texas.

    • Rank within state: #48
    • Percent of drivers in Austin with a DUI: 1.6%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Austin drivers rank 150 in the number of reckless driving offenses per driver.

    • Rank within state: #150
    • Percent of drivers in Austin with a reckless driving offense: 0.9%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Austin drivers rank 143 in rude driving infractions.

    • Rank within state: #143
    • Percent of drivers in Austin with a reckless driving violation: 1%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Austin drivers rank 206 in the number of speeding infractions per driver.

    • Rank within state: #206
    • Percent of drivers in Austin with a speeding ticket: 7.2%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Austin drivers rank 248 in clean driving records across all cities in Texas.

    • Rank within state: #248
    • Percent of drivers in Austin with clean record: 79.1%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Austin drivers rank 9 in hybrid and electric vehicle ownership across all cities in Texas.

    • Rank within state: #9
    • Percent of drivers in Austin with a hybrid/electric vehicle: 2.31%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

Learn More

Sources

  1. Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022