In Austin, Texas, the average cost of minimum-coverage car insurance is about 17% higher than the national average, making it important to compare auto insurance rates from different companies before choosing one.
We at the MarketWatch Guides Team have ranked the best car insurance companies on a variety of factors including cost. This article will help you find the cheapest auto insurance rates in Austin for your driver profile.
Key Takeaways
- Minimum coverage is the cheapest type of car insurance in Austin.
- Good drivers can find minimum coverage as low as $31 per month or full coverage as low as $108 per month in the city.
- State Farm offers the cheapest minimum-coverage policies on average, and Texas Farm Bureau is often the most affordable option for full coverage.
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The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Learn more about our methodology and editorial guidelines.
Best Cheap Car Insurance Companies in Austin, Texas
State Farm, Texas Farm Bureau, Geico, USAA and Redpoint are the top five choices for car insurance in Austin. With excellent customer service, high-quality coverage and rates that are below the averages for both minimum and full-coverage, these companies are worth checking out.
| Car Insurance Company | Overall | Average Monthly | Average Monthly |
| State Farm | 9.4 | $31 | $112 |
| USAA | 9.2 | $45 | $162 |
| Geico | 9.1 | $43 | $127 |
| Nationwide | 9.1 | $64 | $135 |
| Progressive | 9 | $71 | $224 |
| Farmers | 8.6 | $151 | $399 |
| Allstate | 8.8 | $54 | $239 |
| AAA | 8.6 | $59 | $187 |
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Keep reading: Cheap Car Insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Austin, Texas?
Our data shows that minimum-coverage insurance in Austin, Texas, costs $61 per month or $730 per year on average. This is about 17% more than the national average of $52 per month or $625 per year. Similarly, full-coverage car insurance costs $182 per month or $2,180 per year on average, which is about 9% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Austin, Texas
State Farm offers the cheapest liability insurance with average rates of $31 per month or $371 per year. Texas Farm Bureau is the second-cheapest option in Austin with average rates of $37 per month or $449 per year.
Liability coverage is the minimum coverage required by the state of Texas. According to Texas law, all drivers must either meet or exceed the following minimum requirements:
- $60,000 bodily injury liability per accident
- $30,000 bodily injury liability per person
- $25,000 property damage liability per accident
| Car Insurance Company | Monthly Average | Annual Average |
|---|---|---|
| State Farm | $31 | $371 |
| Texas Farm Bureau | $37 | $449 |
| Geico | $43 | $521 |
| USAA | $45 | $544 |
| Redpoint | $53 | $631 |
| Allstate | $54 | $645 |
| AAA | $59 | $706 |
| Nationwide | $64 | $763 |
| Progressive | $71 | $855 |
| Farmers | $151 | $1,817 |
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Cheapest Full-Coverage Car Insurance in Austin, Texas
A full-coverage car insurance policy can be pricey in Austin. Full coverage includes liability plus comprehensive insurance and collision coverage, which protect against damage to your vehicle in a variety of situations. Texas Farm Bureau is the cheapest full-coverage option with average rates of $108 per month or $1,300 per year.
| Car Insurance Company | Monthly Average | Annual Average |
|---|---|---|
| Texas Farm Bureau | $108 | $1,300 |
| State Farm | $112 | $1,349 |
| Redpoint | $122 | $1,470 |
| Geico | $127 | $1,525 |
| Nationwide | $135 | $1,622 |
| USAA | $162 | $1,946 |
| AAA | $187 | $2,248 |
| Progressive | $224 | $2,690 |
| Allstate | $239 | $2,863 |
| Farmers | $399 | $4,787 |
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Austin Car Insurance Quotes by Driver Profile
Car insurance providers take many parts of a Texas driver’s profile to determine their rates. The cheapest company for your age, credit history, driving record, ZIP code and more may not be the most cost-effective option for a driver with a different background.
This section will cover where to find the best auto insurance rates — based on different parts of motorist profiles.
Austin Car Insurance Cost by Age
Companies often charge the highest rates for teenagers because drivers in this age bracket have a higher likelihood of violating traffic laws and causing car crashes. Our data shows 16-year-olds pay about $268 per month or $3,213 per year for Texas car insurance in Austin.
The cost of car insurance gradually decreases as a person moves into their 20s, 30s and 40s. When drivers reach their late 50s, prices begin to increase because drivers are more likely to have motor function and vision problems at this stage of life. The table provided below highlights the minimum-coverage car insurance costs for different age groups in Austin, Texas.
| Driver Age | Average Monthly Minimum-Coverage Rate | Average Annual Minimum-Coverage Rate |
|---|---|---|
| 16 | $268 | $3,213 |
| 25 | $72 | $867 |
| 35 | $61 | $730 |
| 45 | $60 | $721 |
| 55 | $77 | $918 |
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Cheapest Car Insurance in Austin, Texas: Teen Drivers
Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows Redpoint is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $53 per month or $631 per year. Texas Farm Bureau, State Farm and Geico also offer affordable premiums for Austin teens.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Redpoint | $53 | $631 |
| Texas Farm Bureau | $115 | $1,386 |
| State Farm | $117 | $1,405 |
| Geico | $123 | $1,475 |
| USAA | $147 | $1,760 |
| Nationwide | $239 | $2,869 |
| AAA | $241 | $2,897 |
| Progressive | $383 | $4,598 |
| Allstate | $489 | $5,870 |
| Farmers | $770 | $9,235 |
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Austin Car Insurance Cost by Credit Score
In Texas and most other states, car insurance providers can use your credit history to set your rate. You may have to pay higher-than-average bills to cover your car if you don’t have the best credit score, but with a good credit history and a clean driving record, you could end up paying less than average.
Cheapest Car Insurance in Austin, Texas: Poor Credit
Our rate data shows Redpoint is the cheapest option for car insurance for bad credit in Austin. The company offers minimum-coverage policies to drivers with poor credit for rates of $53 per month or $631 per year. This is 4% less than the overall state average for minimum coverage for good credit.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Redpoint | $53 | $631 |
| USAA | $72 | $860 |
| Allstate | $78 | $931 |
| Texas Farm Bureau | $80 | $958 |
| Nationwide | $84 | $1,010 |
| AAA | $91 | $1,095 |
| Progressive | $112 | $1,340 |
| Geico | $121 | $1,451 |
| State Farm | $162 | $1,950 |
| Farmers | $203 | $2,442 |
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Austin Car Insurance Cost by Driving Record
Motorists with speeding tickets, at-fault accidents or DUI convictions in their records will be paying significantly higher car insurance rates than average. In fact, speeding can increase your rates by 30%, an at-fault accident by 82% and a DUI by 68%.
How high your own premium will rise after an accident or road violation depends on your company. Our research shows that State Farm provides the cheapest car insurance coverage for drivers with infractions on their record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| State Farm | $42 | $500 |
| Redpoint | $53 | $631 |
| Texas Farm Bureau | $62 | $744 |
| Geico | $65 | $784 |
| USAA | $66 | $790 |
| Allstate | $84 | $1,006 |
| Progressive | $87 | $1,044 |
| AAA | $94 | $1,133 |
| Nationwide | $102 | $1,223 |
| Farmers | $221 | $2,657 |
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Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Austin, Texas: Speeding Ticket
According to our data, State Farm offers the cheapest rates to drivers who have a speeding ticket on their records — $31 per month or $371 per year. Texas Farm Bureau follows close behind with an average monthly rate of $37, while Geico, USAA and Redpoint round out the top five options for cheap speeding ticket car insurance in Austin.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| State Farm | $31 | $371 |
| Texas Farm Bureau | $37 | $449 |
| Geico | $50 | $595 |
| USAA | $51 | $613 |
| Redpoint | $53 | $631 |
| Allstate | $54 | $645 |
| Nationwide | $77 | $929 |
| Progressive | $83 | $993 |
| AAA | $83 | $996 |
| Farmers | $194 | $2,325 |
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Cheapest Car Insurance in Austin, Texas: At-Fault Accident
Austin drivers who get into car accidents will find stronger increases in their auto insurance rates than drivers that have just gotten speeding tickets. State Farm and Redpoint are the cheapest options here with average rates of about $38 per month and $53 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| State Farm | $38 | $457 |
| Redpoint | $53 | $631 |
| Texas Farm Bureau | $64 | $772 |
| Geico | $67 | $808 |
| USAA | $73 | $879 |
| Nationwide | $100 | $1,198 |
| Allstate | $101 | $1,208 |
| AAA | $101 | $1,208 |
| Progressive | $101 | $1,217 |
| Farmers | $300 | $3,600 |
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Cheapest Car Insurance in Austin, Texas: DUI
Driving under the influence is a grave violation that will almost always spike your annual car insurance premiums in Austin, to the point of several hundreds of dollars added per year. The good news is that Redpoint is very cheap compared to other companies — it offers average rates of $53 per month or $631 per year for drivers with a DUI. State Farm, USAA and Progressive are also good options with rates under $77 per month on average.
| Car Insurance Company | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Redpoint | $53 | $631 |
| State Farm | $56 | $671 |
| USAA | $73 | $877 |
| Progressive | $77 | $922 |
| Geico | $79 | $948 |
| Texas Farm Bureau | $84 | $1,012 |
| Allstate | $97 | $1,166 |
| AAA | $100 | $1,196 |
| Nationwide | $129 | $1,543 |
| Farmers | $170 | $2,045 |
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Austin Car Insurance Cost by ZIP Code
Your ZIP code can play a key part in your premium price, as the rates of accidents, traffic, citizens and car-related crimes vary across different areas of the city. Below, you can see certain ZIP codes in Austin can be up to 3.6% cheaper or 3.5% more expensive than the city average.
| Austin ZIP Code | Average Monthly Rate | Average Annual Rate | Change From Austin Average |
|---|---|---|---|
| 78704 | $59 | $704 | -4% |
| 78748 | $59 | $705 | -3% |
| 78745 | $60 | $717 | -2% |
| 78758 | $61 | $735 | 1% |
| 78744 | $62 | $746 | 2% |
| 78741 | $62 | $749 | 3% |
| 78753 | $63 | $756 | 3% |
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Cheap Car Insurance in Austin, Texas: Conclusion
Although car insurance in Austin, Texas, is 11% more expensive than the average Texas auto coverage and 17% pricier than the national average, there are still budget-friendly providers to choose from. State Farm offers the most inexpensive minimum coverage in the city at around $31 per month. Texas Farm Bureau provides highly affordable rates for Austin drivers, costing only $37 per month.
Compare free quotes to find your best rate and the company that can fully meet your insurance needs. You can get quotes online or from insurance agents.
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Cheapest Auto Insurance in Austin, Texas: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Austin:
Our data shows a minimum coverage auto insurance policy in Austin costs $61 per month or $730 per year on average. If you want full coverage, you’ll pay an average of $182 per month or $2180 per year.
Full-coverage car insurance in Austin, Texas, is about 9% more expensive than the national average while minimum-coverage insurance is 17% more expensive than the national average.
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
