Car Insurance in Austin

Adult drivers with State Farm pay the cheapest rates in Austin at $501 annually for minimum coverage. Young drivers with GEICO face costs of $1,180 per year, 135% more than adults.

Senior drivers from State Farm pay $581 annually, sitting between adult and young driver rates. Drivers with a DWI see their premiums jump to $811 per year with State Farm, 62% higher than clean-record adults.

The wide spread across driver categories shows how much your profile affects your final rate in Austin's market.

State Farm dominates Austin's insurance landscape with the lowest rates available. The company charges $501 per year for minimum coverage and $1,161 per year for full coverage.

These rates come in 39% below the city average of $825 for minimum coverage, translating to substantial annual savings. AAA and Mercury Insurance offer solid alternatives at $726 and $679 annually for minimum coverage.

While these options cost more than State Farm, they still provide competitive pricing for drivers who prefer different carriers or need specific coverage features not available through State Farm.

Age creates massive rate disparities in Austin. Young drivers pay $1,180 annually with GEICO for minimum coverage, reflecting the higher risk insurers associate with inexperienced drivers.

Adult drivers enjoy the lowest rates at $501 per year with State Farm, a 57% discount compared to younger policyholders. Senior drivers from State Farm pay $581 annually, representing a 16% increase over adult rates but still significantly less than young drivers.

Different carriers win for different age groups, making demographic-specific quotes essential for Austin residents.

Speeding tickets create no rate increase with State Farm, maintaining rates at $501 per year. At-fault accidents result in moderate penalties at $591 annually with State Farm.

DWIs carry the highest insurance costs at $811 per year with State Farm, a 62% jump that adds over $300 to your annual premium. The gap between violation types shows why maintaining a violation-free record matters.

If you do have marks on your record, comparing quotes from multiple insurers becomes even more critical for finding affordable coverage.

State Farm stands out as Austin's top choice for affordable, reliable coverage. The company combines the city's lowest premiums with strong customer satisfaction scores and broad coverage options.

Mercury earns recognition with competitive rates and outstanding customer service ratings. Mercury excels in claims handling and maintains minimal complaint ratios, appealing to drivers who want premium support alongside affordable pricing.

Both companies serve Austin drivers well, with State Farm winning on pure cost and Mercury offering superior service.

Car insurance in Austin costs an average of $825 per year for minimum coverage and $1,891 per year for full coverage. These rates sit slightly above the Texas state average of $807 for minimum coverage.

State Farm offers rates well below the city average at $501 for minimum coverage, demonstrating how choosing the right insurer dramatically impacts costs. Austin drivers should expect moderate premiums compared to other major Texas cities, with ample opportunities to find affordable coverage through comparison shopping.

In Austin, car insurance rates by ZIP code range from $62 to $202 per month. ZIP code 78702 is the most expensive, while 78737 is the cheapest. Check the average rates for your ZIP code on the table below.

Austin drivers face some of the highest car insurance rates in Texas, but you don't have to settle for expensive premiums. Our step-by-step guide shows you proven ways to find affordable coverage that fits your needs and budget.

Car insurance rates in Austin depend on your driving record, credit score and coverage needs. State Farm and GEICO offer the lowest average premiums citywide, but compare quotes from multiple providers to find your best rate.

To help Austin drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.

Austin Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Austin

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Texas are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.