Cheap Auto Insurance Quotes in Austin, TX (2023)

Minimum-coverage car insurance in Austin, Texas, costs an average of $189 per month, which is much less than the Texas state average of $263. Austin is Texas’ fifth most-populated city and a fast-growing area.

Auto insurance rates often vary by ZIP code, age, and driving history.^[1] Still, you have plenty of options if you’re looking for cheap car insurance in Austin since prices can fall far below the state average.

How much does car insurance cost in Austin?

Like any other city, car insurance costs can vary widely in Austin. This is why it’s best to compare quotes from different insurers to make sure you get the best deal for your coverage needs.

No two insurance quotes are alike. Car insurance rates often vary based on your location, driving record, age, gender, vehicle type, and even your credit score.^[1] Insurify’s data scientists analyzed the latest insurance quotes in Austin to identify the cheapest quotes in the city.

This information will save you time in your search and help you get the coverage you need right away and at the best price.

• Mile Auto has the cheapest liability-only insurance coverage in Austin, at $94 a month on average.

• Mile Auto also has the cheapest full-coverage insurance in Austin, at $121 a month on average.

• Mile Auto has the cheapest insurance for new and young drivers in Austin, at $154 a month on average.

Learn More: Cheap Car Insurance in Texas

Cheapest car insurance in Austin: Mile Auto

Mile Auto has the cheapest car insurance in Austin, with an average monthly rate of $94 for liability-only car insurance and $121 for full coverage. Mile Auto uses a pay-per-mile policy when determining your monthly premium. Drivers typically get rewarded with lower rates if they drive fewer miles.

If you drive fewer than 10,000 miles per year, Mile Auto would be a cheaper insurance option for you. But if you drive more miles in a given year, insurers like Apparent, Kemper, and Progressive also provide cheap car insurance in Austin.

Where you live plays a big role in car insurance costs because insurers will look at things like the number of accidents and insurance claims in an area, along with the prices of vehicles and repairs. Larger cities with more traffic and more people commuting typically have higher car insurance rates.^[1]

However, location is just one important factor. Your car insurance rates are also influenced by your credit score, past claims history, the type of coverage you choose, and your deductible.^[1]

Below are the cheapest car insurance rates from different insurers in Austin.

How much car insurance do you need in Austin?

Most states require drivers to have liability or minimum car insurance coverage. Texas requires drivers to meet these minimum insurance amounts:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

• $25,000 per accident for property damage

Like in many other states, you need to carry proof of car insurance in your car in Texas. You may be asked to show proof of insurance if law enforcement stops you. You may also need insurance information on hand when you’re renewing your vehicle registration.^[2]

See Also: Minimum Car Insurance Requirements by State

Texas DMV information

Austin is located in Travis, Hays, and Williamson counties. The Texas Department of Motor Vehicles has several locations for Austin drivers to complete driver-related services. These services include renewing a driver’s license, vehicle registration, and buying license plates. Drivers can also handle some of these services online through the Texas DMV website.

Tips for getting cheap car insurance in Austin

Since so many factors affect car insurance rates, you have options if you want to reduce your premiums in Austin. To get cheaper car insurance in Austin, look for auto insurer discounts and keep a clean driving record.

Some insurers offer discounts for bundling your car insurance with renters or homeowners insurance. You may also qualify for a discount if your vehicle has anti-theft protection or if you haven’t filed a claim in a certain amount of time, often the past five years.

In addition to driving safely and keeping a clean driving record, try shopping around for different quotes from insurance companies as well. This will help you compare coverage options side by side to get the best deal for your needs.^[3]

Read More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Austin

Age is another factor that can affect your car insurance rates. The average age of Austin residents is 33.^[4] Drivers younger than 25 typically pay higher car insurance rates because insurers see them as a greater risk.

Insurers have found that mature drivers, older than 25, have more experience and fewer accidents. Since the likelihood of filing a claim is higher for younger drivers, premiums are more expensive.^[5] As you get older though, your car insurance rates may decrease.

Here’s how the average monthly car insurance rate varies based on age group.

Learn More: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Austin

Mile Auto and Apparent have the cheapest car insurance rates for young drivers in Austin. If you’re a student with good grades, you may qualify for a good student discount if your insurer offers it.^[5] Here are the cheapest car insurance rates for drivers younger than 25 in Austin:

Cheapest car insurance for middle-aged drivers in Austin

Mile Auto and Progressive have the cheapest car insurance for middle-aged drivers in Austin. If you’re a middle-aged driver in Austin, you can bundle renters or homeowners insurance with your car insurance to potentially get a discount.

Cheapest car insurance for senior drivers in Austin

Mile Auto and Progressive have the cheapest vehicle insurance for senior drivers in Austin. Senior drivers should maintain good credit scores and clean driving records to potentially lower car insurance rates. If you’re an older driver in retirement, consider pay-per-mile policies that charge based on how much you drive.^[6] 

How credit scores affect cheap car insurance in Austin

Insurers may also consider your credit score when determining car insurance rates.^[1] Your credit shows how well you pay bills on time and manage debts. A good credit score ranges from 670 to 739 according to Equifax, but the higher your credit score, the better. Some states restrict insurers from factoring credit into car insurance rates, but Texas isn’t one of these states.^[7]

Insurance companies also consider your insurance credit score, which determines the likelihood that you’ll file a claim in the future.^[8] Debt, new credit applications, past bankruptcies, repayment history, length of credit history, and more make up your insurance credit score.

While it’s important to file a claim when necessary, doing so could affect your insurance credit score and increase your rates.

The table below shows the average monthly quotes for full-coverage car insurance based on your credit score.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Austin

Your driving record is another important factor that directly affects your car insurance rates. 

Past moving violations, car accidents, and speeding tickets can stay on your driving record and cause your premiums to increase.

Accidents stay on your record for up to three years, and a DUI could raise premiums and also make it harder for you to get coverage from certain insurance companies.^[9] While you can’t control some other factors that affect your car insurance rates, you can prioritize keeping a clean driving record to potentially lower your costs.

Cheapest car insurance with a clean record: Progressive

If you have a clean driving record in Austin, you may find the cheapest car insurance rates with Progressive, at an average of $131 a month. Here are the average car insurance rates for drivers with clean records in Austin:

Cheapest car insurance with an accident: Progressive

It’s common for car insurance rates to increase after an at-fault accident.^[9] Since insurance companies consider your past claims history when determining car insurance rates, you’ll likely see an increase when you renew your policy with your current insurer or open a new one with a different insurer. Here are the average car insurance rates for drivers in Austin who have accidents on their records:

Cheapest car insurance with a DUI: Apparent

Driving under the influence is a serious charge that could trigger a nonrenewal from your car insurance company. Even if your policy is renewed, your rates will likely increase.^[9] For drivers with a DUI on their record in Austin, Apparent offers the cheapest car insurance, at an average of $150 a month.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance with a speeding ticket: Apparent

Like DUIs and accidents, speeding tickets on your record can also increase your monthly car insurance premiums.^[9] Among the cheapest car insurance rates with a speeding ticket in Austin, Apparent offers the lowest quotes, at an average of $160 a month.

Car insurance in other Texas cities

Here’s a look at car insurance rates in some other Texas cities:

• Cheapest Car Insurance Quotes in Houston, TX

• Cheapest Car Insurance Quotes in San Antonio, TX

• Cheapest Car Insurance Quotes in Dallas, TX

• Cheapest Car Insurance Quotes in Corpus Christi, TX

• Cheapest Car Insurance Quotes in El Paso, TX

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