Cheapest Auto Insurance in Austin, Texas (2026)
State Farm offers the cheapest car insurance in Austin, with minimum-coverage policies as low as $55 per month.
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Elizabeth RivelliFreelance Insurance Writer
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
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Table of contents
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 $214 per month for full-coverage insurance and $125 per month for liability-only coverage.
Austin’s car insurance rates are lower than the state averages, which are $208 and $117, 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, Allstate, and Mile Auto 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 Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $57 | Cheap rates |
| USAA | 9.1 | $180 | $102 | Military personnel |
| Mile Auto | 8.8 | $158 | $74 | Infrequent drivers |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 10 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 55,000 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
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $55/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 |
4.0
Best choice in Austin, TXBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Austin for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Austin for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Austin drivers - See all 7,299 State Farm reviews
William
Verified Review
Excellent
Reviewed in Texas on March 26, 2026
State Farm is a good, solid insurance company. Rates are competitive.
Norvell
Verified Review
Average
Reviewed in Texas on March 19, 2026
To add a second vehicle, the price increased, and they are always trying to upsell.
Colette
Verified Review
Love the staff
Reviewed in Texas on March 19, 2026
Very expensive.
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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).
A++Why we picked this company
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
Best insurer for military personnel: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $98/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. | $198/mo |
4.9
Best choice in Austin, TXBased on 3,317 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Austin for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Austin for
Members of the military community
Outstanding customer service
Competitive rates
Showing 52 Texas reviews for Austin drivers - See all 1,517 USAA reviews
Scott
Verified Review
Way too expensive
Reviewed in Texas on March 29, 2026
Costs double the price of other insurers.
Esther
Verified Review
USAA Auto Insurance
Reviewed in Texas on March 24, 2026
The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.
Charles
Verified Review
Sparks's Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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).
A++Why we picked this company
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
Best insurer for infrequent drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| 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. | $78/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. | $173/mo |
4.5
Best choice in Austin, TXBased on 193 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Austin for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Austin for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 66 Mile Auto reviews
Olanrewaju
Verified Purchase
Reasonable coverage.
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
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 $55 per month
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $125. 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 in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| Allstate | $77 |
| Mile Auto | $78 |
| Progressive | $82 |
| GEICO | $89 |
| USAA | $98 |
| Mercury | $109 |
| First Acceptance | $114 |
| The General | $115 |
| Alinsco | $120 |
| Freedom National | $122 |
| Lone Star | $122 |
| Nationwide | $123 |
| Dairyland | $125 |
| Commonwealth Casualty | $126 |
| GAINSCO | $129 |
| Clearcover | $130 |
| Root | $130 |
| Bristol West | $131 |
| Mendota | $133 |
| Covercube | $134 |
| AssuranceAmerica | $139 |
| Safeco | $146 |
| Direct Auto | $147 |
| Sun Coast | $147 |
| National General | $149 |
| Loop | $154 |
| Elephant | $156 |
| Chubb | $166 |
| Trexis One | $168 |
| 21st Century | $192 |
| Liberty Mutual | $236 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $214 per month. You can see which car insurance companies in Austin have the cheapest rates for full-coverage insurance below.
The below rates in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $111 |
| Allstate | $157 |
| Progressive | $158 |
| Mile Auto | $173 |
| Mercury | $181 |
| GEICO | $195 |
| USAA | $198 |
| Root | $222 |
| Safeco | $224 |
| Clearcover | $233 |
| Alinsco | $240 |
| Direct Auto | $240 |
| Elephant | $247 |
| Nationwide | $248 |
| GAINSCO | $257 |
| National General | $257 |
| Bristol West | $260 |
| The General | $269 |
| Mendota | $270 |
| AssuranceAmerica | $278 |
| First Acceptance | $287 |
| Commonwealth Casualty | $290 |
| Loop | $293 |
| Sun Coast | $295 |
| Lone Star | $298 |
| Dairyland | $314 |
| Covercube | $322 |
| Freedom National | $328 |
| Chubb | $336 |
| Liberty Mutual | $353 |
| Trexis One | $356 |
| 21st Century | $387 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Austin, Texas
Drivers in and around Austin, Texas have found policies from Aguila Dorada, Allstate, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Austin, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. 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.
Coverage | Minimum 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:
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.
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.
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.
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 $68/mo. for drivers with incidents on their records
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $156 per month in Austin, while the average for full coverage is $267. Here are the cheapest car insurance companies in Austin for drivers with a speeding ticket on their record.
The below rates in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $55 | $70 |
| Allstate | $77 | $100 |
| Mile Auto | $78 | $95 |
| Progressive | $82 | $102 |
| GEICO | $89 | $116 |
| USAA | $98 | $126 |
| Mercury | $109 | $152 |
| First Acceptance | $114 | $142 |
| The General | $115 | $153 |
| Alinsco | $120 | $150 |
| Freedom National | $122 | $152 |
| Lone Star | $122 | $152 |
| Nationwide | $123 | $159 |
| Dairyland | $125 | $156 |
| Commonwealth Casualty | $126 | $148 |
| GAINSCO | $129 | $153 |
| Clearcover | $130 | $168 |
| Root | $130 | $173 |
| Bristol West | $131 | $164 |
| Mendota | $133 | $166 |
| Covercube | $134 | $167 |
| AssuranceAmerica | $139 | $176 |
| Safeco | $146 | $192 |
| Direct Auto | $147 | $183 |
| Sun Coast | $147 | $183 |
| National General | $149 | $185 |
| Loop | $154 | $192 |
| Elephant | $156 | $186 |
| Chubb | $166 | $211 |
| Trexis One | $168 | $209 |
| 21st Century | $192 | $252 |
| Liberty Mutual | $236 | $299 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $281 per month and liability-only rates of $164. The following companies have the cheapest auto insurance for drivers in Austin with an at-fault accident.
The below rates in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With At-Fault Accident |
|---|---|---|
| State Farm | $55 | $72 |
| Allstate | $77 | $103 |
| Mile Auto | $78 | $105 |
| Progressive | $82 | $108 |
| GEICO | $89 | $115 |
| USAA | $98 | $131 |
| Mercury | $109 | $164 |
| First Acceptance | $114 | $150 |
| The General | $115 | $158 |
| Alinsco | $120 | $158 |
| Freedom National | $122 | $160 |
| Lone Star | $122 | $160 |
| Nationwide | $123 | $165 |
| Dairyland | $125 | $165 |
| Commonwealth Casualty | $126 | $165 |
| GAINSCO | $129 | $165 |
| Clearcover | $130 | $189 |
| Root | $130 | $173 |
| Bristol West | $131 | $172 |
| Mendota | $133 | $175 |
| Covercube | $134 | $176 |
| AssuranceAmerica | $139 | $184 |
| Safeco | $146 | $204 |
| Direct Auto | $147 | $200 |
| Sun Coast | $147 | $193 |
| National General | $149 | $197 |
| Loop | $154 | $202 |
| Elephant | $156 | $203 |
| Chubb | $166 | $219 |
| Trexis One | $168 | $221 |
| 21st Century | $192 | $260 |
| Liberty Mutual | $236 | $313 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $293 for full coverage and $171 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 in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $55 | $79 |
| Allstate | $77 | $110 |
| Mile Auto | $78 | $111 |
| Progressive | $82 | $112 |
| GEICO | $89 | $126 |
| USAA | $98 | $140 |
| Mercury | $109 | $162 |
| First Acceptance | $114 | $156 |
| The General | $115 | $164 |
| Alinsco | $120 | $165 |
| Freedom National | $122 | $167 |
| Lone Star | $122 | $167 |
| Nationwide | $123 | $176 |
| Dairyland | $125 | $179 |
| Commonwealth Casualty | $126 | $180 |
| GAINSCO | $129 | $184 |
| Clearcover | $130 | $186 |
| Root | $130 | $186 |
| Bristol West | $131 | $187 |
| Mendota | $133 | $182 |
| Covercube | $134 | $184 |
| AssuranceAmerica | $139 | $199 |
| Safeco | $146 | $222 |
| Direct Auto | $147 | $210 |
| Sun Coast | $147 | $202 |
| National General | $149 | $213 |
| Loop | $154 | $211 |
| Elephant | $156 | $223 |
| Chubb | $166 | $237 |
| Trexis One | $168 | $230 |
| 21st Century | $192 | $258 |
| Liberty Mutual | $236 | $337 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $106 for liability-only coverage and $182 for full coverage. In the table below, you can see the cheapest car insurance companies in Austin for older drivers.
The below rates in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $87 | $43 |
| Allstate | $126 | $62 |
| Progressive | $134 | $70 |
| Mile Auto | $135 | $61 |
| Mercury | $143 | $86 |
| GEICO | $154 | $70 |
| USAA | $159 | $79 |
| Root | $184 | $108 |
| Nationwide | $188 | $93 |
| Direct Auto | $192 | $118 |
| Safeco | $194 | $127 |
| National General | $200 | $116 |
| Elephant | $202 | $128 |
| Clearcover | $203 | $113 |
| Alinsco | $204 | $102 |
| AssuranceAmerica | $215 | $108 |
| Bristol West | $215 | $108 |
| GAINSCO | $217 | $109 |
| The General | $225 | $96 |
| Mendota | $230 | $113 |
| Commonwealth Casualty | $232 | $101 |
| First Acceptance | $244 | $97 |
| Loop | $249 | $131 |
| Sun Coast | $251 | $125 |
| Chubb | $252 | $124 |
| Lone Star | $253 | $104 |
| Dairyland | $263 | $105 |
| Covercube | $274 | $114 |
| Freedom National | $279 | $104 |
| Liberty Mutual | $293 | $196 |
| 21st Century | $302 | $150 |
| Trexis One | $303 | $143 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $422 for full coverage and $247 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 in Austin, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $224 | $111 |
| Progressive | $312 | $162 |
| Allstate | $323 | $159 |
| Mercury | $350 | $211 |
| GEICO | $364 | $166 |
| Mile Auto | $370 | $167 |
| USAA | $382 | $189 |
| Root | $401 | $235 |
| Clearcover | $402 | $224 |
| Elephant | $456 | $288 |
| Safeco | $469 | $306 |
| Alinsco | $473 | $237 |
| Direct Auto | $481 | $294 |
| Bristol West | $485 | $244 |
| GAINSCO | $489 | $246 |
| The General | $493 | $211 |
| Nationwide | $505 | $250 |
| Mendota | $532 | $262 |
| National General | $541 | $314 |
| Commonwealth Casualty | $562 | $244 |
| Dairyland | $563 | $224 |
| First Acceptance | $566 | $225 |
| Loop | $578 | $304 |
| Sun Coast | $582 | $290 |
| Lone Star | $588 | $241 |
| AssuranceAmerica | $599 | $300 |
| Covercube | $635 | $264 |
| Freedom National | $647 | $241 |
| Liberty Mutual | $650 | $435 |
| Trexis One | $702 | $331 |
| Chubb | $722 | $357 |
| 21st Century | $728 | $361 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $173 per month for full-coverage insurance and $99 per month for liability coverage. The average monthly rate for car insurance in Austin is $214 for full coverage and $125 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 $276, compared to the Austin average of $214.
Below, you can see the average monthly quotes for some other Texas cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Arlington | $217 | $125 |
| Dallas | $242 | $133 |
| El Paso | $189 | $98 |
| Fort Worth | $212 | $116 |
| Galveston | $207 | $128 |
| Houston | $276 | $168 |
| Irving | $231 | $120 |
| Plano | $211 | $123 |
| San Antonio | $221 | $125 |
Disclaimer: Table data sourced from real-time Austin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Austin 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 $170 per month for car insurance. Full-coverage insurance averages $214 per month, while liability-only coverage is $125 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 $55 for liability-only policies and $111 for full coverage.
Austin drivers can also find cheap rates with Allstate and Mile Auto, which have monthly liability rates of $77 and $78, respectively.
What are the best car insurance companies in Austin?
With an Insurify Quality (IQ) Score of 9.3 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 $170 per month for auto coverage, which exceeds the national average of $136 per month and is similar to the Texas average of $163 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 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:
- 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
- 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.
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Sources
- City of Austin Housing and Planning Department. "Austin is now the 10th Largest City in the U.S.."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Texas Department of Insurance. "Automobile insurance guide."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety, Highway Loss Data Institute. "Older drivers."
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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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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.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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 FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.