Cheapest Auto Insurance in Austin, Texas (2024)

State Farm offers the cheapest car insurance in Austin, with minimum-coverage policies as low as $38 per month.

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Elizabeth Rivelli
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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.

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Updated June 16, 2024

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Cheapest recent rates near Austin, Texas

Recent Austin, Texas car insurance prices for Honda, Chevrolet, Jeep , and more.

*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $240 per month for full-coverage insurance and $128 per month for liability-only coverage.

Austin’s car insurance rates are lower than the state averages, which are $251 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.

  • State Farm, GEICO, and Allstate are the cheapest car insurance companies in Austin.

  • Around 8.3% of drivers in Texas are uninsured.[2]

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 CompanyIQ Score
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.
Full CoverageLiability OnlyBest For
State Farm4.6$63$38Cheap rates
USAA4.7$113$68Military personnel
Mile Auto3.7$113$54Infrequent drivers
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.
  • 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
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.
4.6
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.
$38/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.
$64/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

Cons
  • Low customer satisfaction ratings on Trustpilot

  • Doesn’t sell gap insurance

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for military personnel: USAA

Compare personalized, real-time quotes
IQ Score
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.
4.7
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.
$112/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

  • Limited add-on coverages available

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for infrequent drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
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.
3.7
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.
$54/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.
$111/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

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.

Find Car Insurance in Austin

Liability rates start at $38 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 $128. 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$38
GEICO$42
Allstate$54
Mile Auto$54
Hugo$56
USAA$68
Safeco$81
Nationwide$86
Mercury$90
Midvale Home & Auto$97
Progressive$97
Dairyland$103
Clearcover$110
Chubb$115
National General$120
Liberty Mutual$125
Elephant$127
Direct Auto$131
21st Century$133
Commonwealth Casualty$134
The General$141
GAINSCO$153
Bristol West$158
State Auto$177
AssuranceAmerica$178
Infinity$190
Hallmark$211
Foremost$217
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: 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 $240 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$64
GEICO$69
Allstate$90
Mile Auto$111
USAA$112
Clearcover$141
Hugo$143
Mercury$143
Nationwide$162
Safeco$169
Progressive$171
Midvale Home & Auto$174
Chubb$192
Elephant$213
21st Century$222
AssuranceAmerica$237
Liberty Mutual$262
Direct Auto$266
National General$266
Dairyland$268
Infinity$296
The General$296
Bristol West$315
State Auto$321
GAINSCO$334
Commonwealth Casualty$350
Foremost$444
Hallmark$459
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 recent rates near Austin, Texas

Recent Austin, Texas car insurance prices for Jeep, Mazda, Hyundai , and more.

*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $48/mo. for drivers with incidents on their records

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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. 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 $183 per month in Austin, while the average for full coverage is $344. 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$38$49
GEICO$42$55
Allstate$54$70
Mile Auto$54$75
Hugo$56$77
USAA$68$88
Safeco$81$107
Nationwide$86$113
Mercury$90$125
Midvale Home & Auto$97$130
Progressive$97$126
Dairyland$103$135
Clearcover$110$144
Chubb$115$151
National General$120$152
Liberty Mutual$125$179
Elephant$127$182
Direct Auto$131$171
21st Century$133$178
Commonwealth Casualty$134$192
The General$141$185
GAINSCO$153$219
Bristol West$158$204
State Auto$177$249
AssuranceAmerica$178$236
Infinity$190$257
Hallmark$211$275
Foremost$217$311
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.

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 $368 per month and liability-only rates of $196. 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith At-Fault Accident
State Farm$38$52
GEICO$42$58
Allstate$54$75
Mile Auto$54$81
Hugo$56$75
USAA$68$94
Safeco$81$109
Nationwide$86$120
Mercury$90$132
Midvale Home & Auto$97$142
Progressive$97$136
Dairyland$103$143
Clearcover$110$162
Chubb$115$160
National General$120$166
Liberty Mutual$125$189
Elephant$127$173
Direct Auto$131$185
21st Century$133$188
Commonwealth Casualty$134$183
The General$141$199
GAINSCO$153$205
Bristol West$158$216
State Auto$177$269
AssuranceAmerica$178$247
Infinity$190$260
Hallmark$211$283
Foremost$217$328
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 $416 for full coverage and $222 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm$38$65
GEICO$42$72
Allstate$54$92
Mile Auto$54$84
Hugo$56$96
USAA$68$116
Safeco$81$138
Nationwide$86$147
Mercury$90$139
Midvale Home & Auto$97$166
Progressive$97$166
Dairyland$103$176
Clearcover$110$188
Chubb$115$197
National General$120$205
Liberty Mutual$125$214
Elephant$127$217
Direct Auto$131$224
21st Century$133$227
Commonwealth Casualty$134$229
The General$141$241
GAINSCO$153$262
Bristol West$158$270
State Auto$177$303
AssuranceAmerica$178$304
Infinity$190$325
Hallmark$211$361
Foremost$217$371
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 $93 for liability-only coverage and $173 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$46$28
GEICO$51$31
Allstate$68$41
Mile Auto$78$38
USAA$83$51
Hugo$95$37
Mercury$101$63
Clearcover$105$82
Nationwide$113$60
Progressive$114$65
Midvale Home & Auto$124$69
Safeco$128$61
Chubb$131$79
21st Century$155$93
Elephant$157$94
AssuranceAmerica$167$126
Direct Auto$192$95
Liberty Mutual$195$93
National General$199$90
Dairyland$201$77
Infinity$208$134
The General$227$108
State Auto$231$127
Bristol West$236$118
GAINSCO$257$118
Commonwealth Casualty$260$100
Foremost$324$158
Hallmark$326$150
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

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 $221 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO$106$65
State Farm$106$63
Allstate$154$93
USAA$182$110
Mile Auto$211$103
Hugo$244$96
Mercury$255$160
Clearcover$269$210
Nationwide$271$144
Midvale Home & Auto$296$165
Progressive$303$172
Elephant$344$205
Safeco$346$166
Chubb$347$208
21st Century$362$217
AssuranceAmerica$431$324
Dairyland$439$169
The General$468$223
Direct Auto$476$234
Liberty Mutual$476$227
National General$491$222
Bristol West$525$263
Infinity$531$341
State Auto$557$307
GAINSCO$584$268
Commonwealth Casualty$607$232
Foremost$771$377
Hallmark$797$367
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.

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 $215 per month for full-coverage insurance and $105 per month for liability coverage. The average monthly rate for car insurance in Austin is $240 for full coverage and $128 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 $320, compared to the Austin average of $240.

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

CityFull CoverageLiability Only
Arlington$254$126
Dallas$284$137
El Paso$219$93
Fort Worth$245$123
Galveston$248$123
Houston$320$170
Irving$272$132
Plano$244$124
San Antonio$246$125
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.

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 $184 per month for car insurance. Full-coverage insurance averages $240 per month, while liability-only coverage is $128 per month. 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 $38 for liability-only policies and $64 for full coverage.

    Austin drivers can also find cheap rates with GEICO and Allstate, which have monthly liability rates of $42 and $54, respectively.

  • What are the best car insurance companies in Austin?

    With an Insurify Quality (IQ) Score of 4.6 and an A++ (Superior) financial strength rating from AM 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 $184 per month for auto coverage, which exceeds the national average of $160 per month and is similar to the Texas average of $185 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.

Sources

  1. City of Austin Housing and Planning Department. "Austin is now the 10th Largest City in the U.S.."
  2. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  3. Insurance Information Institute. "How to save money on car insurance."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. Texas Department of Insurance. "Automobile insurance guide."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Insurance Institute for Highway Safety, Highway Loss Data Institute. "Older drivers."
  8. Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
Elizabeth Rivelli
Elizabeth Rivelli

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

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
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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