Compare Austin, TX Car Insurance Rates [2023]
Car insurance in Austin, TX averages $323 a month. Austin, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Austin car insurance rates, compare quotes from the top car insurance companies in Austin, TX.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Austin, TX are $3,875/year
- The cheapest car insurance company in Austin for teen drivers is USAA
- The cheapest car insurance company in Austin is USAA
If you need to buy Austin, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Austin, TX is right here.
You’ll find Austin car insurance rates, the cheapest Austin, TX car insurance companies, and information on Texas car insurance laws. You can also compare Austin, Texas car insurance rates to Arlington car insurance rates, El Paso car insurance rates, and San Antonio car insurance rates.
Ready to find affordable Austin, TX car insurance today? Enter your ZIP code for fast, free Austin car insurance quotes.
Cheapest Austin, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Austin, TX car insurance rates? Every Austin, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,552 | $3,576 | $3,505 | $3,505 | $9,474 | $11,415 | $4,387 | $4,559 |
| American Family | $2,765 | $3,094 | $2,638 | $3,036 | $7,759 | $10,177 | $4,052 | $4,638 |
| Geico | $2,557 | $2,767 | $2,458 | $2,801 | $5,746 | $5,954 | $2,781 | $2,779 |
| Nationwide | $2,144 | $2,178 | $1,898 | $2,006 | $6,092 | $7,809 | $2,521 | $2,725 |
| Progressive | $2,310 | $2,206 | $2,059 | $2,097 | $9,701 | $10,824 | $2,749 | $2,801 |
| State Farm | $2,146 | $2,146 | $1,917 | $1,917 | $5,272 | $6,742 | $2,342 | $2,412 |
| USAA | $1,594 | $1,594 | $1,529 | $1,507 | $4,536 | $4,910 | $2,113 | $2,243 |
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Minimum Car Insurance in Austin, TX
Every driver must carry the minimum car insurance required by the state in Austin, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Austin, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Austin, TX. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Austin from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,981 | $5,121 | $4,387 |
| American Family | $6,516 | $4,159 | $3,635 |
| Geico | $5,379 | $3,039 | $2,023 |
| Nationwide | $4,095 | $3,299 | $2,871 |
| Progressive | $4,883 | $4,227 | $3,920 |
| State Farm | $4,407 | $2,743 | $2,186 |
| USAA | $3,663 | $2,130 | $1,717 |
Cheapest Austin, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Austin, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,242 | $6,606 | $6,896 | $4,242 |
| American Family | $4,325 | $5,569 | $4,861 | $4,325 |
| Geico | $2,951 | $3,924 | $3,250 | $3,796 |
| Nationwide | $2,971 | $2,971 | $4,392 | $3,353 |
| Progressive | $3,790 | $4,895 | $4,421 | $4,268 |
| State Farm | $2,751 | $3,174 | $3,771 | $2,751 |
| USAA | $1,861 | $2,760 | $3,257 | $2,136 |
Cheapest Austin, TX Car Insurance for Teen Drivers
Teen car insurance in Austin, TX can be expensive. Take a look at rates from the top car insurance companies in Austin for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,474 | $11,415 |
| American Family | $7,759 | $10,177 |
| Geico | $5,746 | $5,954 |
| Nationwide | $6,092 | $7,809 |
| Progressive | $9,701 | $10,824 |
| State Farm | $5,272 | $6,742 |
| USAA | $4,536 | $4,910 |
Cheapest Austin, TX Car Insurance for Seniors
Take a look at Austin, TX rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,505 | $3,505 |
| American Family | $2,638 | $3,036 |
| Geico | $2,458 | $2,801 |
| Nationwide | $1,898 | $2,006 |
| Progressive | $2,059 | $2,097 |
| State Farm | $1,917 | $1,917 |
| USAA | $1,529 | $1,507 |
Cheapest Austin, TX Car Insurance Rates After a DUI
A DUI in Austin, TX increases car insurance rates. Compare Austin, Texas car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,896 |
| American Family | $4,861 |
| Geico | $3,250 |
| Nationwide | $4,392 |
| Progressive | $4,421 |
| State Farm | $3,771 |
| USAA | $3,257 |
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Cheapest Austin, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Austin, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,361 | $5,632 |
| American Family | $4,770 | $4,770 |
| Geico | $3,418 | $3,543 |
| Nationwide | $3,422 | $3,422 |
| Progressive | $4,343 | $4,343 |
| State Farm | $3,112 | $3,112 |
| USAA | $2,472 | $2,535 |
Cheapest Austin, TX Car Insurance Rates by ZIP Code
Austin car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Austin, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 78653 | $5,927 |
| 78701 | $5,631 |
| 78702 | $5,687 |
| 78703 | $5,528 |
| 78704 | $5,520 |
| 78705 | $5,631 |
| 78710 | $7,030 |
| 78712 | $6,259 |
| 78717 | $5,274 |
| 78719 | $5,999 |
| 78721 | $5,930 |
| 78722 | $5,698 |
| 78723 | $5,851 |
| 78724 | $6,087 |
| 78725 | $6,085 |
| 78726 | $5,779 |
| 78727 | $5,359 |
| 78728 | $5,248 |
| 78729 | $5,418 |
| 78730 | $5,476 |
| 78731 | $5,564 |
| 78732 | $5,470 |
| 78733 | $5,686 |
| 78734 | $5,461 |
| 78735 | $5,574 |
| 78736 | $5,735 |
| 78737 | $5,562 |
| 78738 | $5,511 |
| 78739 | $5,400 |
| 78741 | $6,209 |
| 78742 | $5,838 |
| 78744 | $6,115 |
| 78745 | $5,553 |
| 78746 | $5,715 |
| 78747 | $5,857 |
| 78748 | $5,669 |
| 78749 | $5,466 |
| 78750 | $5,567 |
| 78751 | $5,708 |
| 78752 | $5,797 |
| 78753 | $5,933 |
| 78754 | $5,826 |
| 78756 | $5,398 |
| 78757 | $5,366 |
| 78758 | $5,753 |
| 78759 | $5,352 |
| 78799 | $6,649 |
The Best Cheap Car Insurance Companies in Austin, TX
Take a look at a side-by-side comparison of the top car insurance companies in Austin, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,496 |
| American Family | $4,770 |
| Geico | $3,480 |
| Nationwide | $3,422 |
| Progressive | $4,343 |
| State Farm | $3,112 |
| USAA | $2,503 |
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Category Winners: Cheapest Car Insurance in Austin, Texas
Find the cheapest car insurance companies in Austin, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Cheapest Austin, TX Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Austin car insurance rates. Find the cheapest Austin, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,366 | $5,447 | $5,676 |
| American Family | $4,459 | $4,607 | $5,243 |
| Geico | $3,306 | $3,446 | $3,689 |
| Nationwide | $3,689 | $3,279 | $3,297 |
| Progressive | $4,163 | $4,327 | $4,540 |
| State Farm | $2,948 | $3,106 | $3,281 |
| USAA | $2,411 | $2,493 | $2,606 |
What affects car insurance rates in Austin, Texas?
What are the factors that affect car insurance rates in Austin, TX? There are several reasons why Austin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Austin, Texas.
Car Theft in Austin
High levels of vehicle theft can make car insurance more expensive. Austin, TX car theft statistics from the FBI indicate 2,538 vehicle thefts a year.
Commute Time in Austin
The more time you spend in your car the higher the risk of an accident. The average commute length in Austin, TX is 24.5 minutes according to City-Data.
Traffic in Austin
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Austin, TX traffic data from INRIX ranks Austin as the 207th-most congested in the world.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Compare Car Insurance Quotes in Austin, TX
Ready to find affordable Austin, Texas car insurance today? Enter your ZIP code for fast, free Austin, TX car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Austin, TX?
The average monthly car insurance rate in Austin, TX is $323.
What are the car insurance requirements in Austin, TX?
The car insurance requirements in Austin, TX are 30/60/25. However, if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Austin, TX?
To find cheap car insurance rates in Austin, TX, you can compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Austin, TX?
Different car insurance companies in Austin, TX weigh age, gender, and marital status differently, so rates may vary. It’s best to compare rates to find the most affordable option.
What is the minimum car insurance required in Austin, TX?
Every driver in Austin, TX must carry the minimum car insurance required by the state. You can find the specific requirements for Texas car insurance.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.