Cheapest Car Insurance In Austin, TX For 2024
In Austin, State Farm offers the most affordable option, with an average cost of around $30 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most budget-friendly car insurance in Austin, Texas, there are several options to consider, but State Farm stands out for its competitive pricing. On average, residents can secure car insurance for approximately $30 per month, significantly below the state’s average of $125.
For individuals prioritizing economical liability-only coverage, State Farm is the preferred choice. Conversely, drivers seeking broader protection will discover that State Farm offers the most cost-effective rates for full coverage policies, priced at $87 per month. Additionally, State Farm provides the lowest rates for young drivers, at $92 per month.
Cheapest Car Insurance Companies In Austin, TX
How Much Is Car Insurance In Austin, TX?
State Farm provides the most budget-friendly car insurance in Austin, TX, starting at $125 per month.
| Area | Average Monthly Rate |
| National | $143 |
| Texas | $125 |
| Austin, TX | $125 |
Cheapest Car Insurance Rates In Austin For Teenagers
In Austin, young drivers can discover the most budget-friendly insurance quotes from Nationwide, with average monthly premiums of $107.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $129 | $1,542 |
| GEICO | $163 | $1,958 |
| Nationwide | $107 | $1,291 |
| Progressive | $278 | $3,340 |
| Allstate | $453 | $5,438 |
Cheapest Car Insurance Rates In Austin For Young Adults
In Austin, State Farm provides the most economical quotes for young adults, with average rates around $92 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $92 | $1,102 |
| Nationwide | $127 | $1,522 |
| Mercury | $130 | $1,558 |
| Allstate | $120 | $1,438 |
| Chubb | $210 | $2,518 |
Cheapest Car Insurance Rates In Austin For Full Coverage
In Austin, State Farm offers the most competitive rates for full coverage car insurance, with average quotes of $87 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $156 | $1,870 |
| GEICO | $104 | $1,246 |
| Mercury | $94 | $1,126 |
| Allstate | $90 | $1,078 |
| State Farm | $87 | $1,020 |
Cheapest Car Insurance Rates In Austin For Minimum Coverage
In Austin, State Farm offers the most affordable car insurance rates for minimum coverage, averaging around $30 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $56 | $670 |
| Mercury | $40 | $487 |
| State Farm | $30 | $358 |
| Allstate | $38 | $454 |
| Texas Farm Bureau | $40 | $487 |
Cheapest Car Insurance Rates In Austin For Seniors
In Austin, Texas Farm Bureau offers the most budget-friendly car insurance rates for seniors, with average quotes totaling $60 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $60 | $718 |
| GEICO | $103 | $1,234 |
| State Farm | $62 | $742 |
| Mercury | $100 | $1,198 |
| Allstate | $80 | $958 |
Cheapest Car Insurance Rates In Austin For Good Drivers
In Austin, good drivers can secure the most cost-effective car insurance quotes from State Farm, averaging approximately $30 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $56 | $670 |
| Mercury | $40 | $487 |
| State Farm | $30 | $358 |
| Allstate | $38 | $454 |
| Texas Farm Bureau | $40 | $487 |
Cheapest Car Insurance Rates In Austin For Drivers With Prior Incidents
In Austin, drivers with records of traffic violations such as accidents, speeding, or DUIs often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.
Cheapest Car Insurance Rates In Austin For Drivers With A Speeding Ticket
State Farm offers highly competitive rates compared to other companies, averaging around $68 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $68 | $814 |
| Mercury | $138 | $1,654 |
| Geico | $122 | $1,462 |
| Allstate | $88 | $1,054 |
| Chubb | $140 | $1,703 |
Cheapest Car Insurance Rates In Austin For Drivers With An At-Fault Accident
For drivers with an at-fault incident, State Farm provides the most budget-friendly car insurance quotes, averaging approximately $85 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $85 | $1,018 |
| Nationwide | $160 | $1,954 |
| GEICO | $148 | $1,774 |
| Progressive | $175 | $2,126 |
| Texas Farm Bureau | $100 | $1,209 |
Cheapest Car Insurance Rates In Austin For Drivers After A DUI
For drivers with a DUI in Austin, State Farm offers the most budget-friendly rates, with average monthly premiums of $125.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $125 | $1,498 |
| Chubb | $262 | $3,142 |
| Progressive | $175 | $2,198 |
| Geico | $190 | $2,278 |
| Allstate | $150 | $1,798 |
Best Car Insurance Companies In Austin
When selecting a car insurance company in Austin, drivers must find a balance between affordable rates and reliable protection on the road. Here are the top 10 car insurance companies in Austin, TX, ranked by the average monthly rate they offer:
| Company | Monthly Premium |
| Texas Farm Bureau | $97 |
| Clearcover | $138 |
| USAA | $142 |
| Direct Auto | $115 |
| Mercury | $187 |
| Kemper | $147 |
| SafeAuto | $128 |
| State Farm | $116 |
| Mercury | $178 |
| Nationwide | $170 |
Average Car Insurance Rates In Austin – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,838 |
| 20s | $2,338 |
| 30s | $1,582 |
| 40s | $1,500 |
| 50s | $1,416 |
| 60s | $1,404 |
| 70s | $1,608 |
Average Car Insurance Rates In Austin – By Vehicle Type
| Vehicle | Average Monthly Rate |
| Honda Insight | $390 |
| Ford F150 | $235 |
| Tesla Model Y | $116 |
| MDX | $86 |
| Hyundai Genesis | $248 |
How Much Is Car Insurance For Other Cities In Texas?
| City | Average Monthly Rate |
| Killeen | $116 |
| Sherman | $108 |
| San Antonio | $127 |
| Arlington | $130 |
| Laredo | $150 |
| Abilene | $105 |
| Fort Worth | $123 |
| Baytown | $140 |
| Dallas | $138 |
| Houston | $148 |
Our Methodology
After conducting comprehensive analyses of customer service ratings, product options, pricing, and thoroughly reviewing various online platforms and user feedback, I've developed a comprehensive understanding of the car insurance provider landscape in Austin, Texas. My expertise is grounded in over 15 years of direct involvement in the industry as a licensed insurance agent. It encompasses extensive interactions with representatives from various companies and insights gained from firsthand experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Austin?
State Farm provides the most competitive car insurance rates in Austin for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Austin?
The average cost of car insurance in Austin is approximately $125 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.
Sources
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