State Farm and GEICO offer the cheapest car insurance rates in Austin, with minimum-coverage rates averaging $109 a month and $114 a month, respectively. However, if you’re in the military community, you may qualify for considerably lower prices with USAA.
Auto insurance can get expensive in Texas. Here’s what you need to know about finding cheap car insurance in Austin.
In this article
Which companies offer the cheapest car insurance in Austin?
Our analysis of car insurance quotes from every Austin ZIP code shows that State Farm offers the cheapest rates to most driver profiles, though GEICO is generally cheaper for teens.
USAA’s rates are actually cheapest among all car insurance companies in our analysis. However, USAA is only available to current and former members of the military and their families.
Cheapest minimum-coverage car insurance in Austin
State Farm offers the cheapest minimum-coverage car insurance in Austin, charging a typical adult driver an average rate of $109 a month. The next-best rates are available from GEICO, $114 a month, and Allstate, $115 a month.
| Company | Monthly rate |
|---|---|
| City average | $99 |
| State Farm | $109 |
| GEICO | $114 |
| Allstate | $115 |
| USAA* | $57 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Minimum-coverage auto insurance meets Texas’ requirements for bodily injury and property damage liability. Liability covers other people's medical treatment and car repairs in an accident you cause, but it does not cover your own expenses.
Find cheap car insurance in Austin
Cheapest full-coverage car insurance in Austin
State Farm offers the cheapest full-coverage car insurance in Austin, with rates averaging $190 a month, followed by GEICO, $197 a month.
| Company | Monthly rate |
|---|---|
| City average | $187 |
| State Farm | $190 |
| GEICO | $197 |
| Allstate | $248 |
| USAA* | $113 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Full-coverage auto insurance includes higher liability limits than a minimum-coverage policy, as well as collision and comprehensive coverage.
- Collision generally covers repairs to your car from an accident you cause, or, if you are only partially responsible for an accident, your share of your repair costs.
- Comprehensive covers your vehicle for theft and damage from any cause other than a collision, including fire, flood, vandalism and fallen trees.
Cheap car insurance to Austin drivers with an accident history
State Farm offers the cheapest car insurance to Austin drivers with an accident history, $269 a month, followed by GEICO, $301 a month.
An accident increases the average cost of auto insurance in Austin to $283 a month, which is 51% higher than the rate available to a driver with a clean record.
| Company | Monthly rate |
|---|---|
| State Farm | $269 |
| City average | $283 |
| GEICO | $301 |
| Allstate | $385 |
| USAA* | $176 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheap car insurance for Austin drivers with a DUI
GEICO offers the cheapest car insurance to Austin drivers with a DUI, with rates averaging $338 a month for full coverage. The next-best rates are available from State Farm, $354 a month, and Allstate, $373 a month.
A DUI raises the average price of auto insurance in Austin by 65% to $309 a month.
| Company | Monthly rate |
|---|---|
| City average | $309 |
| GEICO | $338 |
| State Farm | $354 |
| Allstate | $373 |
| USAA* | $171 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheap car insurance for Austin drivers with a speeding ticket
GEICO offers the cheapest car insurance to Austin drivers with a speeding ticket, with rates averaging $237 a month for full coverage. The next-best rates are available from State Farm, $241 a month, and Allstate, $248 a month.
| Company | Monthly rate |
|---|---|
| City average | $213 |
| GEICO | $237 |
| State Farm | $241 |
| Allstate | $248 |
| USAA* | $127 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Cheapest car insurance for teens and seniors in Austin
GEICO generally offers the cheapest non-USAA car insurance rates for teens in Austin, while State Farm and Allstate offer the lowest rates on car insurance to senior citizen drivers.
Cheap car insurance for Austin’s teen drivers
Among car insurance companies available to all drivers, GEICO offers the cheapest rates to Austin teens, charging 18-year-olds an average $265 a month for minimum coverage and $417 a month for full coverage.
The next-best minimum-coverage rates for teens are available from Allstate, $326 a month. The next-best full-coverage rates are available from State Farm, $694 a month.
GEICO also offers the cheapest auto insurance to teens with a speeding ticket, $496 a month for full coverage, or accident, $598 a month.
In Austin, a speeding ticket raises the average price of full-coverage auto insurance by 5% to $550 a month for 18-year-olds. An accident raises the average price of full-coverage auto insurance for 18-year-olds by 42%.
| Company | Monthly rate |
|---|---|
| GEICO | $230 |
| City average | $265 |
| Allstate | $326 |
| State Farm | $394 |
| USAA* | $109 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| GEICO | $417 |
| City average | $523 |
| State Farm | $694 |
| Allstate | $766 |
| USAA* | $214 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| GEICO | $496 |
| City average | $550 |
| State Farm | $694 |
| Allstate | $766 |
| USAA* | $243 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| GEICO | $598 |
| City average | $742 |
| State Farm | $788 |
| Allstate | $1,268 |
| USAA* | $313 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
Teens have the highest crash rates among all age groups, and this is one of the main reasons why teens are charged high rates for auto insurance. Teens generally also need a few years to establish a safe driving record and good credit, which are factors that help them qualify for lower rates in their 20s.
Teens typically get lower insurance rates when added to a policy with a parent or guardian than they do on their own. Many insurance companies offer discounts to families with teen drivers who maintain good grades and/or complete approved driver education courses.
Cheapest car insurance for Austin seniors
State Farm offers the cheapest car insurance to senior citizen drivers in Austin, charging 60-year-olds with a clean driving record $103 a month for minimum coverage and $177 a month for full coverage.
Allstate offers the next-lowest average rate on minimum coverage for 60-year-olds, $110 a month, while GEICO is next-lowest for full coverage, $186 a month.
Allstate offers the cheapest car insurance to Austin seniors with a speeding ticket, $210 a month, while State Farm is cheapest for seniors with an accident history, $250 a month.
A speeding ticket increases the average price of car insurance for seniors by 16% to $195 a month for full coverage. An accident bumps the average cost of car insurance for seniors by 54%.
| Company | Monthly rate |
|---|---|
| City average | $95 |
| State Farm | $103 |
| Allstate | $110 |
| GEICO | $114 |
| USAA | $55 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| City average | $168 |
| State Farm | $177 |
| GEICO | $186 |
| Allstate | $210 |
| USAA | $101 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| City average | $195 |
| Allstate | $210 |
| State Farm | $224 |
| GEICO | $231 |
| USAA | $114 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
| Company | Monthly rate |
|---|---|
| State Farm | $250 |
| City average | $259 |
| GEICO | $288 |
| Allstate | $325 |
| USAA | $172 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
What is the average cost of car insurance in Austin?
The average cost of car insurance in Austin is $99 for minimum coverage and $187 a month for full coverage. Both rates are slightly lower than Texas’ statewide averages of $109 a month for minimum coverage and $204 a month for full coverage.
| Location | Minimum coverage | Full coverage |
|---|---|---|
| Austin | $99/month | $187/month |
| Texas state average | $109/month | $204/month |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Auto insurance companies evaluate several factors to determine your rate, including your age, address, driving record, credit and insurance history, your vehicle and any discounts you may be eligible to receive.
Since insurance companies weigh each factor differently and offer different discounts, you may qualify for a significantly lower rate with one company than you do with others. This is why it’s best to compare rates from multiple companies when you shop.
See car insurance rates from top companies
How much car insurance is required in Austin?
Austin drivers are required to meet Texas’s 30/60/25 car insurance requirements, which include the following coverages and limits:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $25,000 per person
There is no legal requirement to purchase collision coverage or comprehensive coverage, but both are typically required for a car loan or lease.
In Texas, insurance agents are required to offer uninsured/underinsured motorist coverage and personal injury protection (PIP) is included in all auto insurance policies.
- Uninsured/underinsured motorist protection: covers your medical bills and car repairs from an accident caused by a driver with no insurance or not enough insurance to cover these expenses.
- PIP: covers your medical expenses, lost wages and other costs if you and/or your passengers are injured in a car accident, regardless of fault.
Though both coverages are highly recommended, you can decline uninsured/underinsured motorist coverage and/or have PIP removed from your policy.
You can learn more about these and other available coverages on the Texas Department of Insurance website.
Financial responsibility for traffic accidents
Under Texas’s comparative fault laws, an at-fault driver’s financial responsibility for medical bills and car repairs is reduced by the other driver’s share of responsibility for the accident. For example, if an investigation determines that you are 25% responsible for an accident that results in $5,000 in damage to your car, the other driver would owe you $3,750, assuming they are 75% responsible for the accident.
If your liabilities or your own costs from an accident exceed your insurance policy’s limits, you may have to tap into your savings or other assets to cover the shortfall. This is the main reason to consider coverages and limits that exceed the state’s minimum requirements.
Frequently asked questions about car insurance in Austin
How much does car insurance cost in Austin?
Car insurance in Austin costs $99 a month for minimum coverage and $187 a month for full coverage, on average. Those with a clean driving record and good credit typically qualify for lower rates.
Is car insurance in Texas expensive?
Texas is one of the most expensive states for car insurance in the nation. The average rate for minimum-coverage car insurance in Texas is 38% higher than the national average, while full-coverage rates are 42% higher.
Which is the cheapest car insurance company in Austin?
Our in-depth analysis of car insurance quotes shows that State Farm and GEICO generally offer the cheapest car insurance in Austin. However, those in the military community may receive considerably lower rates with USAA.
Methodology
We obtained non-binding car insurance quotes for a typical driver in every Austin ZIP code through Quadrant Information Services. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting Texas’s minimum requirements for liability coverage.
Full-coverage policies include the following additional coverages, limits and deductibles:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000
- Collision coverage: $500 deductible
- Comprehensive coverage: $500 deductible
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