Cheapest Car Insurance In Austin, TX 2024
At an average of $29 a month, State Farm offers the most economical minimum coverage car insurance in Austin.
We’ve saved shoppers an average of $600 per year on their car insurance.
When hunting for the most economical car insurance in Austin, TX, expect to see a significant variation in prices.
State Farm wins out for liability-only insurance at the cheapest rate. Texas Farm Bureau is the preferred choice for affordable full coverage, while young drivers also benefit most from State Farm’s low prices.
Cheapest Car Insurance Companies In Austin, TX
Cheapest Full Coverage Insurance Rates In Austin: Texas Farm Bureau
At an average of $66 a month, Texas Farm Bureau provides the lowest cost full coverage car insurance in Austin.
You’ll find a comparison of average auto insurance quotes from affordable insurers in Austin in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $66 | $794 |
| Mercury | $73 | $874 |
| Nationwide | $86 | $1,026 |
| Chubb | $121 | $1,456 |
| Foremost | $127 | $1,528 |
Cheapest Liability-only Car Insurance In Austin: State Farm
The most affordable minimum coverage car insurance option in Austin is State Farm, which averages $29 a month.
Use the table to review and compare rates from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $29 | $348 |
| Allstate | $33 | $398 |
| Nationwide | $47 | $560 |
| Progressive | $48 | $580 |
| National General | $64 | $762 |
Cheapest Rates In Austin For Teenagers: Nationwide
For teens in Austin, Nationwide offers the cheapest car insurance rates, with an average monthly premium of $158.
Listed in the table below are companies that provide the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $158 | $1,899 |
| State Farm | $159 | $1,913 |
| GEICO | $243 | $2,920 |
| Allstate | $542 | $6,499 |
| Progressive | $355 | $4,263 |
Cheapest Car Insurance Rates For Seniors: Texas Farm Bureau
Texas Farm Bureau’s average rate of $55 per month makes it the most affordable option for senior car insurance in Austin.
This table shows average quotes from the cheapest auto insurance options available for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $55 | $660 |
| Nationwide | $71 | $847 |
| GEICO | $81 | $968 |
| Chubb | $106 | $1,271 |
| Progressive | $112 | $1,344 |
Cheapest Car Insurance In Austin For Good Drivers: State Farm
Good drivers in Austin can find car insurance for as low as $29 a month with State Farm.
The table below lists average quotes from the least expensive insurance providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $29 | $348 |
| Allstate | $33 | $398 |
| Nationwide | $47 | $560 |
| Progressive | $48 | $580 |
| National General | $64 | $762 |
Cheapest Auto Insurance For Young Adults in Austin: State Farm
In Austin, State Farm delivers the most cost-effective car insurance for young adults, averaging $75 monthly.
The table shows a comparison of the cheapest car insurance rates for young adults in Austin.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $75 | $899 |
| Allstate | $96 | $1,157 |
| Nationwide | $103 | $1,238 |
| Chubb | $191 | $2,290 |
| Progressive | $150 | $1,798 |
Find affordable Austin rates
Cheapest For Drivers With After At-Fault Accident: State Farm
At $74 per month on average, State Farm offers the lowest car insurance rates for drivers with an at-fault accident.
Here’s a list of car insurance providers with the cheapest rates for drivers who have an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $74 | $864 |
| Allstate | $115 | $1,374 |
| AAA Texas | $120 | $1,437 |
| Chubb | $181 | $2,172 |
| Foremost | $291 | $3,488 |
Cheapest Car Insurance In Austin After A Speeding Ticket: Texas Farm Bureau
Texas Farm Bureau offers competitive pricing in Austin, with monthly rates of $66 for drivers who have a speeding ticket.
The table below compares average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $66 | $790 |
| Allstate | $72 | $867 |
| Nationwide | $100 | $1,196 |
| Mercury | $105 | $1,265 |
| Chubb | $132 | $1,578 |
Cheapest Rates In Austin For Drivers After A DUI: Mercury
Austin drivers who have a DUI can find the lowest premiums with Mercury, averaging $99 a month.
The table outlines the most affordable insurance rates for Austin drivers who have a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $99 | $1,195 |
| Allstate | $121 | $1,447 |
| Texas Farm Bureau | $130 | $1,556 |
| National General | $145 | $1,738 |
| Nationwide | $154 | $1,848 |
Best Car Insurance Companies In Austin
Drivers in Austin can get insurance from State Farm for $29 a month, the most affordable option. Allstate and Texas Farm Bureau offer competitive rates of $33 and $34, respectively.
The top 10 car insurance providers in Austin, TX, are listed here, ranked by average monthly rate.
| Company | Monthly Premium |
| State Farm | $29 |
| Allstate | $33 |
| Texas Farm Bureau | $34 |
| Nationwide | $47 |
| Progressive | $48 |
| National General | $64 |
| Chubb | $61 |
| Foremost | $65 |
| Mercury | $38 |
| AAA Texas | $42 |
| Dairy Land | $97 |
How Much Is Car Insurance In Other Cities In Texas?
The city you live in plays a crucial role in your car insurance rates. Companies consider factors like accident risk, car theft, and vandalism, which are often more common in urban areas, resulting in higher insurance costs.
In Beaumont car insurance averages $173 monthly, but in Abilene, drivers pay a lower average of $102 each month.
| City | Average Monthly Rate |
| Fort Worth | $169 |
| Beaumont | $173 |
| El Paso | $160 |
| Houston | $148 |
| Austin | $158 |
| Corpus Christi | $165 |
| San Antonio | $161 |
| Arlington | $173 |
| Laredo | $150 |
| Abilene | $102 |
Average Auto Insurance Rates In Austin – By Age
Car insurance premiums are often higher for younger drivers because age is a key factor. Teens, in particular, can expect to pay about $5,892 per year, largely due to their inexperience and greater accident likelihood.
When drivers reach 25 years old, their insurance costs generally decrease, as long as they’ve avoided traffic violations and accidents.
The most cost-effective insurance rates tend to be given to drivers in their 50s and early 60s. Insurers use age as a factor to measure risk and experience, impacting premiums.
| Age | Average Yearly Rate |
| Teenagers | $5,892 |
| 20s | $2,460 |
| 30s | $1,632 |
| 40s | $1,540 |
| 50s | $1,510 |
| 60s | $1,426 |
| 70s | $1,590 |
Average Cost Of Auto Insurance In Austin – By Zip Code
Zip codes provide insurers with data on crime rates, resulting in varying car insurance rates depending on where you live.
See the table below for average insurance premiums by zip code in Austin.
| Zip Code | Average Monthly Rate |
| 78731 | $198 |
| 78723 | $143 |
| 78722 | $105 |
| 78749 | $139 |
| 78758 | $167 |
Average Rates In Austin – By Vehicle
Insurance costs are influenced by the car you own, with insurers considering the make, model, year, and body style. Typically, luxury vehicles or new models with advanced technology have higher insurance rates.
The table below shows average insurance costs in Austin for various vehicles.
| Vehicle | Average Monthly Rate |
| Nissan Altima | $460 |
| Kia Soul | $270 |
| Nissan Sentra | $96 |
| Chevrolet Malibu | $480 |
| GMC Terrain | $378 |
Find affordable Austin rates
Our Methodology
With an in-depth analysis that considers customer service, pricing, product options, and feedback from review sites, I’ve crafted a complete look at the car insurance options in Austin, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Austin?
For California’s minimum coverage requirements, State Farm offers the cheapest rates in Austin, and Texas Farm Bureau provides the best full coverage rates, including comprehensive and collision.
What is the average cost of car insurance in Austin?
Austin’s average car insurance rate is approximately $160 per month, though rates can differ depending on zip code, car model, and driving record.
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