The Texas Capitol sits in Austin, a city full of entertainment. From tailgating before a Longhorns game to driving to one of the many music venues across town to watch emerging local artists, there’s no shortage of activities. But no matter where you go, you’ll need car insurance to drive legally.
NerdWallet has compiled car insurance rates in Austin to get you started on your search. Car insurance rates vary from driver to driver due to factors like ZIP code and driving history, so the best way to get cheap car insurance in Austin is to compare quotes from multiple insurers.
Read on to find out how auto insurance companies in Austin stack up. You can also check out our list of the cheapest car insurance companies nationwide.
» MORE: The best car insurance companies
Table of contents
Cheapest car insurance companies in Austin
Average car insurance cost in Austin and Texas
Average cost of car insurance in Austin’s largest ZIP codes
Cheap car insurance in Austin by age
Cheapest for 20-year-olds
Cheapest for 35-year-olds
Cheapest for 60-year-olds
Austin’s cheapest companies and rates by driving record
Good drivers
Drivers with a DUI
Drivers with an at-fault accident
Shop around to get cheap insurance
To find the cheapest companies in Austin, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Austin driving a 2021 Toyota Camry LE.
Cheapest car insurance companies in Austin
The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Austin, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Texas Farm Bureau | $1,403 | NerdWallet rating 3.5 |
| State Farm | $1,596 | NerdWallet rating 5.0 |
| Auto Club of SoCal | $1,741 | Not yet rated |
| Geico | $1,826 | NerdWallet rating 5.0 |
| Germania | $2,445 | Not yet rated |
| Allstate | $2,472 | NerdWallet rating 4.5 |
| Encompass | $2,673 | NerdWallet rating 4.0 |
| Farmers | $2,758 | NerdWallet rating 4.5 |
| Progressive | $2,834 | NerdWallet rating 4.5 |
| Nationwide | $3,074 | NerdWallet rating 4.5 |
If you’re looking for cheap car insurance in Austin, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Austin — or anywhere.
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Average car insurance cost in Austin and Texas
Rates across Texas differ from those in Austin for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $2,966, while in Austin, it's $2,743.
| Average city rate | Average state rate |
|---|---|
| $2,743 | $2,966 |
No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.
Average cost of car insurance in Austin’s largest ZIP codes
The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Austin and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.
| ZIP Code | Average Rate |
|---|---|
| 78745 | $2,806 |
| 78753 | $2,829 |
| 78748 | $2,809 |
| 78744 | $3,026 |
| 78758 | $2,856 |
| 78741 | $3,026 |
| 78704 | $2,714 |
| 78759 | $2,710 |
| 78717 | $2,745 |
| 78705 | $2,733 |
Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.
Cheap car insurance in Austin by age
Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.
You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Austin for similar drivers at various ages, according to NerdWallet’s most recent analysis.
Cheapest for 20-year-olds
While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Austin pay, on average.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Texas Farm Bureau | $2,162 | NerdWallet rating 3.5 |
| Auto Club of SoCal | $3,397 | Not yet rated |
| Geico | $3,469 | NerdWallet rating 5.0 |
| State Farm | $3,944 | NerdWallet rating 5.0 |
| Germania | $4,796 | Not yet rated |
| Encompass | $4,947 | NerdWallet rating 4.0 |
| Progressive | $5,570 | NerdWallet rating 4.5 |
| Mercury | $6,675 | NerdWallet rating 4.0 |
| Farmers | $6,858 | NerdWallet rating 4.5 |
| Allstate | $7,475 | NerdWallet rating 4.5 |
Cheapest for 35-year-olds
By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.
Here’s what 35-year-old drivers might pay, on average, in Austin, according to NerdWallet’s analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Texas Farm Bureau | $1,403 | NerdWallet rating 3.5 |
| State Farm | $1,596 | NerdWallet rating 5.0 |
| Auto Club of SoCal | $1,741 | Not yet rated |
| Geico | $1,826 | NerdWallet rating 5.0 |
| Germania | $2,445 | Not yet rated |
| Allstate | $2,472 | NerdWallet rating 4.5 |
| Encompass | $2,673 | NerdWallet rating 4.0 |
| Farmers | $2,758 | NerdWallet rating 4.5 |
| Progressive | $2,834 | NerdWallet rating 4.5 |
| Nationwide | $3,074 | NerdWallet rating 4.5 |
Cheapest for 60-year-olds
At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Austin, according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Texas Farm Bureau | $1,166 | NerdWallet rating 3.5 |
| Geico | $1,362 | NerdWallet rating 5.0 |
| State Farm | $1,457 | NerdWallet rating 5.0 |
| Auto Club of SoCal | $1,624 | Not yet rated |
| Germania | $2,088 | Not yet rated |
| Farmers | $2,096 | NerdWallet rating 4.5 |
| Progressive | $2,369 | NerdWallet rating 4.5 |
| Mercury | $2,391 | NerdWallet rating 4.0 |
| Encompass | $2,423 | NerdWallet rating 4.0 |
| Allstate | $2,472 | NerdWallet rating 4.5 |
See what you could save on car insurance
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Austin’s cheapest companies and rates by driving record
Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.
According to NerdWallet’s analysis, these are the average rates in Austin by company for good drivers and those with violations on their record.
Good drivers
Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Austin according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Texas Farm Bureau | $1,403 | NerdWallet rating 3.5 |
| State Farm | $1,596 | NerdWallet rating 5.0 |
| Auto Club of SoCal | $1,741 | Not yet rated |
| Geico | $1,826 | NerdWallet rating 5.0 |
| Germania | $2,445 | Not yet rated |
| Allstate | $2,472 | NerdWallet rating 4.5 |
| Encompass | $2,673 | NerdWallet rating 4.0 |
| Farmers | $2,758 | NerdWallet rating 4.5 |
| Progressive | $2,834 | NerdWallet rating 4.5 |
| Nationwide | $3,074 | NerdWallet rating 4.5 |
Drivers with a DUI
Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.
Here are the average rates for drivers with a DUI in Austin according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| Geico | $2,021 | NerdWallet rating 5.0 |
| State Farm | $2,487 | NerdWallet rating 5.0 |
| Auto Club of SoCal | $2,780 | Not yet rated |
| Allstate | $3,298 | NerdWallet rating 4.5 |
| Progressive | $3,365 | NerdWallet rating 4.5 |
| National General | $4,118 | NerdWallet rating 3.0 |
| Mercury | $4,415 | NerdWallet rating 4.0 |
| Encompass | $4,666 | NerdWallet rating 4.0 |
| The General Insurance | $5,362 | NerdWallet rating 3.0 |
| Germania | $5,448 | Not yet rated |
Drivers with an at-fault accident
If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Austin, according to NerdWallet’s most recent analysis.
| Company | Rate | NerdWallet Rating |
|---|---|---|
| State Farm | $1,788 | NerdWallet rating 5.0 |
| Texas Farm Bureau | $2,274 | NerdWallet rating 3.5 |
| Allstate | $2,678 | NerdWallet rating 4.5 |
| Auto Club of SoCal | $2,766 | Not yet rated |
| Geico | $3,087 | NerdWallet rating 5.0 |
| Germania | $3,201 | Not yet rated |
| Progressive | $4,130 | NerdWallet rating 4.5 |
| Encompass | $4,182 | NerdWallet rating 4.0 |
| Nationwide | $5,013 | NerdWallet rating 4.5 |
| Chubb | $5,245 | NerdWallet rating 4.5 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Minimum car insurance requirements in Texas
The minimum legal requirement for car insurance in Texas is $30,000 in bodily injury liability per person and $60,000 per accident, plus $25,000 in property damage liability per accident. You may want higher limits, however, especially if you spend a considerable amount of time driving, have a history of car accidents or simply want greater financial protection.
