Monthly Average Rates by Country, State, and City
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Austin typically pay around $126.97 per month compared to the national average of $146.37 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $146.37 |
| Texas | $129.65 |
| Austin, Texas | $126.97 |
Austin, TX Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Texas Farm Bureau Group generally has the most affordable car insurance in Austin coming in around $96.39 per month. Other companies to consider if you live in Austin is State Farm with an average cost of $106.16 per month and Direct Auto which typically runs around $109.92 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Austin.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Texas Farm Bureau Group | $96.39 | -25.65% |
| 2 | State Farm | $106.16 | -18.12% |
| 3 | Direct Auto | $109.92 | -15.22% |
| 4 | SafeAuto | $114.50 | -11.69% |
| 5 | USAA | $130.58 | 0.71% |
| 6 | Kemper Personal Insurance | $130.63 | 0.75% |
| 7 | Clearcover | $141.58 | 9.20% |
| 8 | Mercury Insurance | $155.54 | 19.97% |
| 9 | Mercury | $156.35 | 20.59% |
| 10 | Jupiter Auto Insurance | $156.80 | 20.94% |
How Much is Car Insurance in Austin, TX?
Rates can vary from city to city. The residents of Amarillo typically pay $116.88 per month while people who live in Arlington will pay $134.92 per month on average. See what people pay for car insurance in other cities in Texas.
| Texas Cities | Monthly Average Rate |
|---|---|
| Amarillo | $116.88 |
| Arlington | $134.92 |
| Austin | $127.02 |
| Beaumont | $132.24 |
| Corpus Christi | $125.20 |
| Dallas | $140.41 |
| El Paso | $124.82 |
| Fort Worth | $125.27 |
| Houston | $149.94 |
| Irving | $137.78 |
| Lubbock | $118.51 |
| San Antonio | $129.56 |
| Spring | $145.31 |
| Tyler | $122.41 |
| Waco | $106.02 |
Cheap Car Insurance in Austin by Zip Codes
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
| Austin, TX ZIP Code | Average Monthly Rate |
|---|---|
| 73301 | $379.59 |
| 75039 | $70.22 |
| 76272 | $93.00 |
| 78411 | $131.13 |
| 78602 | $116.33 |
| 78617 | $90.49 |
| 78621 | $106.37 |
| 78642 | $94.53 |
| 78660 | $82.50 |
| 78664 | $98.07 |
| 78681 | $146.49 |
| 78701 | $136.37 |
| 78702 | $126.71 |
| 78703 | $121.51 |
| 78704 | $118.41 |
| 78705 | $146.70 |
| 78708 | $107.04 |
| 78710 | $93.73 |
| 78711 | $79.23 |
| 78712 | $103.14 |
| 78717 | $126.35 |
| 78719 | $134.68 |
| 78721 | $118.92 |
| 78722 | $112.57 |
| 78723 | $119.63 |
| 78724 | $128.65 |
| 78725 | $135.79 |
| 78726 | $124.50 |
| 78727 | $118.13 |
| 78728 | $123.99 |
| 78729 | $125.36 |
| 78730 | $124.43 |
| 78731 | $134.91 |
| 78732 | $134.89 |
| 78733 | $123.53 |
| 78734 | $137.08 |
| 78735 | $120.52 |
| 78736 | $108.47 |
| 78737 | $130.76 |
| 78738 | $130.48 |
| 78739 | $134.17 |
| 78741 | $142.51 |
| 78742 | $83.54 |
| 78744 | $134.81 |
| 78745 | $119.80 |
| 78746 | $129.60 |
| 78747 | $134.40 |
| 78748 | $121.85 |
| 78749 | $110.38 |
| 78750 | $116.03 |
| 78751 | $139.31 |
| 78752 | $115.08 |
| 78753 | $124.15 |
| 78754 | $149.37 |
| 78756 | $107.08 |
| 78757 | $115.14 |
| 78758 | $129.60 |
| 78759 | $117.04 |
| 78764 | $53.49 |
| 78765 | $198.21 |
| 78767 | $95.55 |
| 78785 | $488.83 |
| 79745 | $57.00 |
Car Insurance Rates by Driver's Age Group in Austin
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $320.93 per month in Austin. Compare that to drivers in their 30’s who typically pay around $110.78 per month drivers in their 40s at $106.79 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $320.93 |
| 20s | $161.40 |
| 30s | $110.78 |
| 40s | $106.79 |
| 50s | $100.11 |
| 60s | $94.82 |
| 70+ | $114.04 |
Cheapest Insurance for Teenage Drivers in Austin
If you are teen in Austin you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Texas Farm Bureau Group typically charges around $158.96 per month. This is likely the most affordable option in Austin. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| Texas Farm Bureau Group | $158.96 |
| USAA | $214.50 |
| State Farm | $231.25 |
| Direct Auto | $238.13 |
| Clearcover | $239.79 |
Cheapest Insurance for 20 Year-olds in Austin
20 year-olds in Austin might want to consider Kemper Personal Insurance who, on average, offers car insurance rates around $96.75 per month. Texas Farm Bureau Group , Direct Auto , State Farm and SafeAuto are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Kemper Personal Insurance | $96.75 |
| Texas Farm Bureau Group | $121.46 |
| Direct Auto | $126.51 |
| State Farm | $133.38 |
| SafeAuto | $138.85 |
Cheapest Insurance for 30 Year-olds in Austin
If you are in your 30s in Austin our research has found that Direct Auto typically has the most affordable coverage coming in around $90.57 per month, followed by Texas Farm Bureau Group at $91.22 and State Farm at $91.94.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $90.57 |
| Texas Farm Bureau Group | $91.22 |
| State Farm | $91.94 |
| Mercury Insurance | $113.02 |
| SafeAuto | $113.83 |
Cheapest Insurance for 40 Year-olds in Austin
On average, Direct Auto offers car insurance for 40 year-olds in Austin for around $81.68 per month. If you are looking for affordable coverage, you may also want to consider Texas Farm Bureau Group or State Farm. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $81.68 |
| Texas Farm Bureau Group | $90.25 |
| State Farm | $96.97 |
| SafeAuto | $109.00 |
| USAA | $112.63 |
Cheapest Insurance for 50 Year-olds in Austin
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Austin we found that Direct Auto generally offers the most affordable coverage at $82.65 per month.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $82.65 |
| Texas Farm Bureau Group | $86.00 |
| Clearcover | $96.03 |
| State Farm | $96.46 |
| SafeAuto | $98.21 |
Cheapest Insurance for 60 Year-olds in Austin
If you live in Austin and you’re in your 60s, our data indicates that Texas Farm Bureau Group usually has the best rates at $75.12 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| Texas Farm Bureau Group | $75.12 |
| Direct Auto | $84.14 |
| State Farm | $84.20 |
| Mercury Insurance | $105.37 |
| SafeAuto | $107.35 |
Driver's Coverage Auto Insurance Rates in Austin, TX
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Austin, the average monthly rate for a driver who is currently insured is $123.01 while drivers who are not currently covered will pay around $131.23.
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $131.23 |
| Currently Insured | $123.01 |
Compare Recent Car Insurance Quotes in Austin
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Austin a driver of a 2019 Nissan Frontier can expect to pay around $415.18 per month while someone that owns a 2020 Hyundai Veloster may pay around $191.77 per month. Check out the list of recent quotes in Austin below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2019 Nissan Frontier | $415.18 |
| 2020 Hyundai Veloster | $191.77 |
| 2023 Acura TLX | $558.69 |
| 2009 Ford Crown Victoria | $389.32 |
| 2017 Toyota Corolla | $362.07 |
| 2018 Acura MDX | $88.63 |
| 2015 Hyundai Genesis | $251.60 |
| 2023 Chevrolet 5500HD | $223.37 |
| 2011 Mitsubishi Eclipse | $244.86 |
| 2021 Honda Insight | $393.35 |
FAQ's for Drivers in Austin, TX
What Is the Blood Alcohol Concentration (BAC) Limit in Austin, Texas?
Under Texas law, the state considers drivers as intoxicated when their blood alcohol concentration reaches 0.08 percent. Individuals also violate the law as soon drugs or alcohol impact their ability to drive, fly, or commandeer boats. The Department of Transportation says it's illegal for individuals to have open alcohol containers of alcohol in their automobiles.
Are you an Austin resident with a DUI on your records?
If you have rising insurance rates, you can switch to a more affordable carrier. Shop for the best rates using SmartFinancial and find an insurer that's right for you.
No one is perfect; If you have a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. All you have to do is fill out a form once and they'll compare hundreds of insurers to find you the best car insurance rate.
Can I Register My Car Without Insurance in Austin?
No, you can't register your car without insurance in Texas. State law requires residents to prove they can pay for accidents when they're at fault. Drivers must buy auto liability insurance. It pays to repair or replace another driver's vehicle, damaged property, or medical expenses when you're at fault in an accident.
Check Out Other Rates in Austin, TX Nearby Cities:
Cedar Park, TX | Pflugerville, TX |
Georgetown, TX | Round Rock, TX |
Kyle, TX | San Marcos, TX |
Leander, TX | |
New Braunfels, TX |
Commute Time in Austin, TX
24.1 Miles
Commute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Austin, TX
132
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
About the Author
Fran Majidi Insurance ExpertFran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
