State Farm offers Austin's cheapest car insurance with annual rates of $501 for minimum coverage and $1,161 for full coverage. GEICO, Mercury and AAA also provide affordable coverage options in the city.
Car Insurance in Austin
Updated: August 13, 2025
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Key Takeaways
Austin's cheapest car insurance companies are State Farm, GEICO and Mercury, with rates up to 42% lower than the city average.
Monthly car insurance costs in Austin average $158 for full coverage and $69 for minimum coverage.
To find the best cheap auto insurance in Austin, compare quotes from multiple sources and choose the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Austin?
| State Farm | $42 | $97 | -42% |
| GEICO | $56 | $116 | -28% |
| Mercury | $57 | $130 | -22% |
| AAA | $60 | $127 | -22% |
| Germania Insurance | $70 | $144 | -10% |
Cheapest Austin Car Insurance by Category
State Farm leads Austin car insurance affordability in six driver categories. GEICO offers the cheapest rates for drivers with newer cars, bad credit and young drivers.
| Young Drivers | GEICO | $98 |
| Adult Drivers | State Farm | $42 |
| Senior Drivers | State Farm | $48 |
| Drivers With an Accident | State Farm | $49 |
| Drivers With a DUI | State Farm | $68 |
| Drivers With a Speeding Ticket | State Farm | $42 |
| Drivers With Bad Credit | GEICO | $81 |
| Drivers With Newer Cars | GEICO | $61 |
| Drivers With Old Cars | State Farm | $38 |
Compare the Cheapest Austin Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance, with rates varying by hundreds or even thousands of dollars between companies. Check the table below to find insurers offering the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $42 | $501 | -42% |
| GEICO | $56 | $676 | -22% |
| AAA | $60 | $726 | -17% |
| Farmers | $72 | $865 | -1% |
| Allstate | $88 | $1,052 | 21% |
Best Car Insurance Companies in Austin
Austin's strongest car insurance providers are State Farm, Mercury, GEICO and AAA. These companies excel in delivering competitive rates while maintaining quality service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury | 91 | 3 | 5 | 4 |
| GEICO | 91 | 2 | 6 | 6 |
| AAA | 90 | 4 | 4 | 6 |
| Progressive | 88 | 6 | 2 | 2 |
State Farm: Most Affordable Overall
pros
Low rates across most driver categories
Strong customer service ratings
Multiple discounts available
cons
Limited add-on coverage options
Higher rates for newer vehicles
COMPANY HIGHLIGHTS
State Farm ranks as Austin's top car insurance provider thanks to consistently low rates and strong customer satisfaction. The company offers the city's cheapest minimum coverage at $42 monthly and full coverage at $97 monthly. State Farm provides the best rates for several groups, including senior drivers and those with accidents on their record. Their high customer satisfaction ratings mean faster claims processing and better support when you need it.
Mercury: Best for Coverage Options
pros
Extensive coverage selections
Strong claims satisfaction ratings
Competitive rates for safe drivers
cons
Limited digital tools
Higher rates than State Farm
COMPANY HIGHLIGHTS
Mercury stands out for its comprehensive coverage options and strong claims handling. While rates run higher than State Farm at $57 monthly for minimum coverage, Mercury excels in customizable policies. Their coverage options earned high scores in our analysis, giving drivers more ways to protect their vehicles. The company's strong customer service ratings show they handle claims efficiently, though their digital tools need improvement.
How Much Is Car Insurance in Austin?
In Austin, minimum coverage costs about $69 per month or $825 per year, ranking 1,282nd out of all Texas cities for affordability. Full coverage averages $158 monthly or $1,891 annually, ranking 1,275th among Texas cities.
| Full Coverage | $158 | $1,891 |
| Minimum Coverage | $69 | $825 |
Austin Car Insurance Cost by Category
In Austin, monthly car insurance rates range from $63 to $362 depending on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $160 | $342 |
| Adult Drivers | $69 | $158 |
| Senior Drivers | $89 | $184 |
| Drivers With an Accident | $97 | $219 |
| Drivers With a DUI | $108 | $232 |
| Drivers With a Speeding Ticket | $81 | $187 |
| Drivers With Bad Credit | $154 | $362 |
| Drivers With Newer Cars | $85 | $195 |
| Drivers With Old Cars | $63 | $143 |
Austin Car Insurance Costs by ZIP Code
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.
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ZIP Code:78617
| 78617 | $70 | $162 |
Compare Personalized Austin Car Insurance Costs
While basic rate breakdowns help, your exact profile may need a closer look - use this table to filter Austin car insurance rates by your age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $72 | $864 | 6% |
How to Get the Best Cheap Austin Car Insurance
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.
- 1
Figure out what coverage you need
Find out how much car insurance protection fits your situation. Consider your car's value, your savings and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific circumstances in Austin.
- 2
Learn about different coverage types
Familiarize yourself with various types of car insurance options available. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know what others pay
Research average vehicle insurance costs in Austin to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding rates for your age group and vehicle type gives you better negotiating power.
- 4
Check available discounts
Look into every possible car insurance discount to lower your premium. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Many insurers offer safe driver, good student and defensive driving course discounts.
- 5
Research company reliability
Investigate each insurance company's reputation in Austin. Check customer reviews, claims satisfaction ratings and financial strength scores. A reliable insurer with good customer service might save you money in the long run.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites. Comparing multiple quotes helps you find the best deal.
- 7
Review your policy yearly
Mark your calendar to review your car insurance policy annually. Life changes like moving within Austin, buying a new car, or improving your credit score can qualify you for better rates. Don't stay with the same insurer if you find a better deal elsewhere.
Cheapest Car Insurance in Austin: Bottom Line
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.
Cheap Austin Car Insurance: FAQ
Looking for cheap car insurance in Austin? We'll help you find affordable coverage that fits your needs with straightforward answers to common questions.
What is the cheapest car insurance company in Austin, Texas?
State Farm offers the lowest rates in Austin, with $501 for minimum coverage and $1,161 for full coverage. Rates vary by personal factors, so compare multiple quotes.
Who offers the best car insurance in Austin?
State Farm leads Austin's car insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than Mercury. State Farm excels in both affordability and service quality.
What is the average cost of car insurance in Austin?
In Austin, drivers pay $1,891 per year for full coverage and $825 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Austin expensive?
Car insurance in Austin costs more than average, ranking 1,282nd for minimum coverage affordability and 1,275th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Austin, TX
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.