Compare Austin, TX Car Insurance Rates (2021)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Austin, Texas

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 in Austin, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Austin, Texas

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. Compare credit history car insurance rates in Austin from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Austin, Texas

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. Compare bad driving record car insurance rates in Austin, TX to rates for a clean record with top companies.

Annual Austin, Texas Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Austin, Texas

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Austin, Texas

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Austin, Texas

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.

Annual Car Insurance Rates by Commute Length in Austin, Texas

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.

Annual Car Insurance Rates by ZIP Code in Austin, Texas

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.

Average Annual Car Insurance Rates by Company in Austin, Texas

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.

Best Annual Car Insurance Rates by Company in Austin, Texas

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 coverage you choose will have an impact on your Austin car insurance rates. Find the cheapest Austin, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Austin, Texas

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 factors can have an impact on Austin, TX car insurance? 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.

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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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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