Cheap Auto Insurance Quotes in Austin, TX (2023)

Mile Auto, Safeco, and Kemper offer the cheapest rates for full-coverage car insurance in Austin.

Choncé Maddox
Written by
Choncé Maddox
Choncé Maddox
Written by
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern IllinoisUniversity with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and homeinsurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how toprotect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius andmore.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 26, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Choncé Maddox
Written by
Choncé Maddox
Choncé Maddox
Written by
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern IllinoisUniversity with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and homeinsurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how toprotect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius andmore.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 26, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

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.

Insurance CompanyLiability OnlyFull Coverage
Mile Auto$94$121
Safeco$97$179
Kemper Preferred$107$182
Progressive$108$166
Apparent$111$182
Travelers$116$177
Midvale Home & Auto$122$206
State Auto$123$203
Foremost Signature$123$199
Elephant$137$202
Commonwealth Casualty$142$339
SafeAuto$143$281
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.

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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.

Age GroupAverage Monthly Quote
Teenagers$519
Younger than 25$326
25–29$244
30s$214
40s$191
50s$174
60s$174
70s$176
80+$199
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.

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:

Insurance CompanyAverage Monthly Quote
Mile Auto$154
Apparent$166
Progressive$167
Travelers$182
Elephant$187
Clearcover$200
Safeco$201
SafeAuto$208
Nationwide$210
State Auto$228
Direct Auto$248
Mercury$250
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.

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.

Insurance CompanyAverage Monthly Quote
Mile Auto$98
Progressive$123
Apparent$133
SafeAuto$135
Clearcover$142
Safeco$144
Elephant$147
Travelers$154
Direct Auto$156
Nationwide$160
Kemper Preferred$161
Mercury$168
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 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] 

Insurance CompanyAverage Monthly Quote
Mile Auto$77
Progressive$100
Apparent$108
Elephant$126
Safeco$128
SafeAuto$129
Clearcover$136
Mercury$144
Kemper Preferred$145
State Auto$148
Nationwide$159
Foremost Signature$161
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 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.

Credit TierAverage Monthly Quote
Excellent$213
Good$245
Fair$256
Poor$262
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.

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:

Insurance CompanyClean Record
Progressive$131
Apparent$139
Safeco$155
Direct Auto$177
Mercury$184
Kemper Specialty$215
AssuranceAmerica$239
Bristol West$243
Aggressive$245
GAINSCO$266
Infinity$291
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 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:

Insurance CompanyClean RecordWith AccidentDifference
Progressive$131$160$29
Apparent$139$174$35
Safeco$155$175$20
Direct Auto$177$288$111
Mercury$184$275$91
Kemper Specialty$215$325$110
AssuranceAmerica$239$285$46
Bristol West$243$332$89
Aggressive$245$279$34
GAINSCO$266$344$78
Infinity$291$371$80
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 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.

Insurance CompanyClean RecordWith DUIDifference
Apparent$139$150$11
Direct Auto$177$221$44
Mercury$184$243$59
Kemper Specialty$215$211-$4
AssuranceAmerica$239$236-$3
Bristol West$243$254$11
Aggressive$245$206-$39
GAINSCO$266$289$23
Infinity$291$306$15
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 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.

Insurance CompanyClean RecordWith Speeding TicketDifference
Progressive$131$198$67
Apparent$139$160$21
Safeco$155$187$32
Direct Auto$177$266$89
Mercury$184$247$63
Kemper Specialty$215$284$69
AssuranceAmerica$239$256$17
Bristol West$243$316$73
Aggressive$245$285$40
GAINSCO$266$325$59
Infinity$291$372$81
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.

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

Austin car insurance rates FAQs

Here are answers to some commonly asked questions about car insurance in Austin, Texas.

  • The average cost of full-coverage car insurance in Austin is $222 per month, and the average cost for liability-only insurance is $166 a month. Different factors, such as weather, population, and uninsured motorist rates, can affect car insurance rates.[1]

  • The average monthly cost of car insurance in Texas is $263.

  • Mile Auto has the cheapest car insurance rates in Austin. Mile Auto calculates insurance rates based on how many miles you drive. If you drive more than 10,000 miles per year, you can still get cheap car insurance in Austin with insurers like Progressive, State Auto, and Safeco.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed January 23, 2023
  2. Texas.gov. "Automobile insurance guide." Accessed January 23, 2023
  3. III. "How to save money on car insurance." Accessed January 23, 2023
  4. Austin Demographics. "Austin Demographics at a Glance." Accessed January 23, 2023
  5. III. "Auto insurance for teen drivers." Accessed January 23, 2023
  6. NAIC. "Telematics/Usage-Based Insurance." Accessed January 23, 2023
  7. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed January 23, 2023
  8. III. "Credit and insurance scores." Accessed January 23, 2023
  9. III. "Do auto insurance premiums go up after a claim?." Accessed January 23, 2023
Choncé Maddox
Written by
Choncé Maddox
Linkedin

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois
University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home
insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to
protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and
more.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.