120+ more*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on May 28, 2026. 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 May 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Licensed property and casualty insurance agent
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Media relations director for Insurance Information Institute
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Impartial, independent expert
Updated
Car insurance in Austin averages $210 per month for full coverage and $119 per month for minimum coverage.
Drivers in Austin pay less than drivers in cities like Houston or Dallas, but the city’s rates are slightly higher than the Texas average of $111 per month for liability coverage and $207 per month for full coverage.
Rates in Austin are also typically higher than in nearby cities like Georgetown and Cedar Park. Austin’s high population density of more than 3,000 people per square mile can increase accident risk — and insurance rates. But the city’s 23-minute average commute time helps limit total driving exposure compared to larger Texas metros.[1]
Liability rates start as low as $45 per month
The average cost of minimum coverage in Austin is $119 per month, which is higher than the statewide average of $111 per month.
Texas law requires drivers to carry at least $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for property damage liability.[2] Liability-only coverage meets Texas’ legal requirements, but it doesn’t pay for your repairs when you cause an accident.
State Farm and Allstate offer the best rates in Austin. Here’s a list of the insurers with the most affordable minimum coverage in Austin.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Allstate | $63 |
| Mile Auto | $65 |
| Progressive | $67 |
| GEICO | $73 |
| USAA | $81 |
| Mercury | $90 |
| First Acceptance | $93 |
| The General | $95 |
| Alinsco | $98 |
| Lone Star | $100 |
| Freedom National | $101 |
| Nationwide | $102 |
| Commonwealth Casualty | $103 |
| Dairyland | $104 |
| GAINSCO | $105 |
| Bristol West | $107 |
| Clearcover | $107 |
| Root | $108 |
| Mendota | $110 |
| Covercube | $111 |
| AssuranceAmerica | $113 |
| Sun Coast | $119 |
| Safeco | $120 |
| Direct Auto | $121 |
| National General | $122 |
| Loop | $127 |
| Elephant | $128 |
| Chubb | $137 |
| Trexis One | $141 |
| 21st Century | $159 |
| Liberty Mutual | $195 |
Full-coverage car insurance in Austin costs an average of $210 per month — more expensive than in nearby cities like Temple and Killeen.
Many drivers in Austin choose full coverage due to local risks, such as flash flooding, which the city identifies as a serious hazard.[3] Austin reported more than 4,300 motor vehicle thefts in 2025, according to Austin Police Department data, making comprehensive coverage important.[4]
The following companies have the cheapest full-coverage car insurance in Austin, with the most affordable rates coming from State Farm.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| Allstate | $123 |
| Progressive | $127 |
| Mile Auto | $139 |
| Mercury | $143 |
| GEICO | $153 |
| USAA | $156 |
| Root | $174 |
| Safeco | $174 |
| Clearcover | $183 |
| Alinsco | $188 |
| Direct Auto | $188 |
| Elephant | $194 |
| Nationwide | $196 |
| GAINSCO | $199 |
| National General | $200 |
| Bristol West | $203 |
| The General | $211 |
| AssuranceAmerica | $212 |
| Mendota | $214 |
| Commonwealth Casualty | $225 |
| First Acceptance | $225 |
| Loop | $229 |
| Lone Star | $233 |
| Sun Coast | $236 |
| Dairyland | $251 |
| Covercube | $255 |
| Freedom National | $263 |
| Chubb | $265 |
| Liberty Mutual | $278 |
| Trexis One | $287 |
| 21st Century | $305 |
Austin’s overall average rates of $165 per month fall in the middle of the pack compared to the cheapest and most expensive Texas cities of Abilene and Houston, respectively.
Texas car insurance rates vary widely, with Abilene drivers paying $129 per month and Houston drivers paying $214 per month.
Lower theft rates contribute to the significantly lower rates in the Austin metro area compared to Houston. Nationally, Austin ranked No. 66, while Houston ranked No. 28 in 2025, according to Insurify data.
Here’s a look at how car insurance prices in Austin stack up against other cities in Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
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Texas is among the most expensive states in the country, and Austin’s rates are higher than the state average. Drivers in Austin tend to pay more due to heavy congestion on major freeways like Interstate 35, which increases accident-related claims.
Frequent vehicle thefts also affect premiums. Travis County, which includes Austin, ranks among the top 50 U.S. counties for number of car thefts. Insurify data shows nearly 6,000 theft incidents in 2024.
Exposure to flash floods may also contribute to higher costs. Around 75% of flood-related deaths in the Austin area involve vehicles, highlighting the risks drivers face during severe weather.
*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on May 28, 2026. 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 May 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects what you pay for car insurance in Austin. Here’s how much coverage costs for different types of drivers in the city.
Cheapest car insurance for Austin drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Austin: State Farm
Cheapest car insurance for Austin drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DWI in Austin: State Farm
Texas is an at-fault state, so the driver who causes an accident must pay for the damages under Texas accident laws. Even if someone else drives your car, it can still affect your insurance. Premiums typically increase after a violation and can stay on your record for years.
About 3% of Austin drivers have a ticket, 5% have had a recent at-fault accident, and fewer than 1% have a serious violation such as a DWI on their record, according to Insurify data.
Local enforcement also plays a role. The Austin Police Department conducts ongoing driving while intoxicated (DWI) enforcement through its year-round “No Refusal” initiative. It focuses on highways and high-speed roadways and allows officers to secure warrants for blood alcohol testing.[5]
Here’s what drivers pay for car insurance after a violation in Austin compared to a clean driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $165 |
| Speeding ticket | $207 |
| At-fault accident | $220 |
| DWI | $228 |
Drivers in Austin face unique challenges. Busy areas like downtown and around the University of Texas have limited parking, with street spots hard to find and garages that fill up fast.
Austin has reduced the number of parking spots in recent years, which can make finding available parking more difficult in densely populated areas.[6] Drivers may want to plan ahead by reserving garage parking or allowing extra time to find parking in busy areas.
Austin is also a popular tourist spot. Major events like South by Southwest bring heavy traffic and road closures downtown. University of Texas football games also increase congestion and crash risk. Drivers should expect delays and consider alternative routes.
Around 20% of Texans don’t have auto insurance coverage, which is higher than the national average. Drivers should consider adding uninsured motorist coverage to protect themselves.
Austin’s growing population — of around one million — and busy roads contribute to frequent congestion, especially during rush hour. Traffic along major corridors like I-35 and MoPac Expressway often leads to stop-and-go conditions, increasing the risk of rear-end collisions and other accidents.
A large share of serious crashes in Austin occur on major highways, with about 65%–75% of traffic fatalities happening on state-owned roads, according to City of Austin data.
The city’s rapid growth has also put pressure on infrastructure, contributing to delays and a higher risk in certain areas. Though Austin’s commute times are shorter than those in many major metros, congestion still causes delays. Austin’s driving conditions can lead to more claims and contribute to higher insurance rates.
Teens in Austin pay the highest car insurance rates, at an average of $233 per month for liability coverage and $412 per month for full coverage.
In Texas, teens can start driving at age 15, under the state’s Graduated Driver License (GDL) program.[7] Car crashes are a leading cause of death for teens ages 15 to 18, which helps explain why insurers charge higher rates for this age group.
The table below highlights the best insurers for teen coverage in Austin, with State Farm offering the cheapest rates.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| Allstate | $129 |
| Progressive | $131 |
| GEICO | $137 |
| Mile Auto | $139 |
| USAA | $156 |
| Mercury | $171 |
| The General | $178 |
| First Acceptance | $182 |
| Clearcover | $183 |
| Dairyland | $189 |
| Alinsco | $192 |
| GAINSCO | $195 |
| Root | $195 |
| Lone Star | $196 |
| Bristol West | $198 |
| Freedom National | $198 |
| Commonwealth Casualty | $201 |
| Nationwide | $207 |
| Mendota | $216 |
| Covercube | $218 |
| Sun Coast | $233 |
| Elephant | $237 |
| AssuranceAmerica | $242 |
| Direct Auto | $244 |
| Loop | $249 |
| Safeco | $252 |
| National General | $253 |
| Trexis One | $276 |
| Chubb | $292 |
| 21st Century | $297 |
| Liberty Mutual | $356 |
Seniors make up about 10% of Austin’s population. The Texas Department of Public Safety requires drivers age 79 and older to renew their licenses in person, which helps ensure safe driving.[8]
Older drivers pay lower car insurance rates than younger drivers because they have more experience behind the wheel. Austin seniors pay around $179 per month for full coverage and $101 per month for liability insurance.
Here are the most affordable insurers for seniors in Austin.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $35 |
| Allstate | $51 |
| Mile Auto | $51 |
| Progressive | $57 |
| GEICO | $58 |
| USAA | $65 |
| Mercury | $71 |
| Nationwide | $77 |
| First Acceptance | $79 |
| The General | $80 |
| Commonwealth Casualty | $82 |
| Alinsco | $83 |
| Lone Star | $85 |
| Freedom National | $86 |
| Dairyland | $88 |
| AssuranceAmerica | $88 |
| Bristol West | $89 |
| GAINSCO | $89 |
| Root | $90 |
| Mendota | $94 |
| Clearcover | $94 |
| Covercube | $94 |
| National General | $95 |
| Direct Auto | $98 |
| Sun Coast | $101 |
| Chubb | $103 |
| Elephant | $104 |
| Safeco | $104 |
| Loop | $108 |
| Trexis One | $120 |
| 21st Century | $124 |
| Liberty Mutual | $161 |
Here are the questions Austin drivers ask most about shopping for car insurance coverage.
Car insurance in Austin costs an average of $210 per month for full coverage and $119 per month for liability coverage, according to Insurify data.
Austin drivers can find the cheapest rates with State Farm, followed by Allstate. Keep in mind that factors like your ZIP code, driving record, and credit history can affect your final premium.
The average driver pays around $165 per month for car insurance in Austin, so $300 per month is above average. But it may be typical for high-risk drivers. For example, teens in Austin pay $412 per month for full coverage. Staying on a parent’s policy is often the cheapest option. Rates can also be higher for drivers with incidents such as tickets, accidents, or DWIs.
Several factors affect car insurance rates in Austin, including local conditions like heavy traffic and crash risk, as well as personal factors such as your age, driving history, and Austin ZIP code. Insurers use these factors to determine how likely you are to file a claim and your insurance costs.
Rising costs across Texas, including more frequent claims and higher repair expenses, have also contributed to higher premiums statewide.[9]
To lower your car insurance in Austin, compare quotes from at least three companies. Using an insurance-comparison site can help you do this quickly. Ask your insurer about available discounts, and bundle your auto and home policies. You can also raise your deductible if you can afford to pay the out-of-pocket cost if you need to file a claim.
No. You don’t need special hail coverage in Austin. But you do need comprehensive coverage, which is part of a full-coverage car insurance policy, to cover hail damage.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.