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 offers the lowest rates in Austin at $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.

AAA and Mercury Insurance offer competitive alternatives at $726 and $679 annually for minimum coverage. Both carriers provide competitive pricing for drivers who prefer different companies or need specific coverage features State Farm doesn't offer.

Age affects rates in Austin. Young drivers pay $1,180 annually with GEICO for minimum coverage. Adult drivers pay the lowest rates at $501 per year with State Farm. Senior drivers from State Farm pay $581 annually, still considerably less than young drivers.

Each age group gets the best rates from different carriers, so compare quotes specific to your age.

Speeding tickets don't increase rates with State Farm, which maintains $501 per year. At-fault accidents cost $591 annually with State Farm. DWIs carry the highest insurance costs at $811 per year with State Farm. A clean driving record saves you over $300 annually.

If you have violations on your record, compare quotes from multiple insurers to find affordable coverage.

State Farm is Austin's top choice for affordable, reliable coverage. It combines the city's lowest premiums with strong customer satisfaction scores and broad coverage options.

Mercury offers competitive rates and strong customer service ratings. Mercury excels in claims handling and maintains minimal complaint ratios.

State Farm wins on pure cost, while Mercury offers superior service.

Car insurance in Austin costs an average of $825 per year for minimum coverage and $1,891 per year for full coverage. Austin rates run 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. Compare quotes from multiple insurers to find your best rate.

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 can find affordable coverage with the right approach. Here are proven ways to lower your premiums.

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.

MoneyGeek analyzed auto insurance rates based on data 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.

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 factors such as age, driving record, credit score and military affiliation 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): 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.
• Coverage options (10% of score): This score reflects the number of coverage options a provider offers and the offering benefits.