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Your unique profile can impact which company offers the most affordable car insurance rates.

State Farm is the cheapest option for full coverage, minimum coverage, accidents, tickets, female teens, military families, young drivers, senior drivers and sports cars. Mercury is the cheapest for drivers with a DWI and those with poor credit records. Nationwide is the cheapest for male teens.

If you need a balance of affordability and service, MoneyGeek found the best car insurance companies.

MoneyGeek Logo IconCheapestCar InsuranceAustin
2023

Cheapest Car Insurance in Austin, TX

Cheapest Minimum Coverage Car Insurance in Austin

The most affordable car insurance companies for a minimum coverage policy in Austin, Texas, are:

  • State Farm: $338 per year
  • Texas Farm Bureau: $368 per year

Dairyland is the most expensive provider, costing $1,143 annually.

Texas Farm Bureau is the cheapest car insurance company in Texas, with an annual average premium of $339 for minimum coverage, while the average cost of the policy statewide is $665. Texas Farm Bureau's state average is slightly cheaper than the rate in Austin, demonstrating how location can factor into prices.

Company
Annual Premium
Monthly Premium

State Farm

$314

$26

Texas Farm Bureau

$320

$27

State Farm

$338

$28

Texas Farm Bureau

$368

$31

Allstate

$389

$32

Allstate

$399

$33

Mercury

$403

$34

State Farm

$413

$34

Mercury

$437

$36

Texas Farm Bureau

$468

$39

AAA Texas

$474

$39

Allstate

$487

$41

Nationwide

$496

$41

AAA Texas

$505

$42

Mercury

$520

$43

Nationwide

$520

$43

GEICO

$554

$46

Progressive

$557

$46

Progressive

$569

$47

GEICO

$580

$48

AAA Texas

$607

$51

State Farm

$628

$52

GEICO

$633

$53

Chubb

$638

$53

Texas Farm Bureau

$654

$55

Progressive

$668

$56

State Farm

$690

$57

Nationwide

$695

$58

Chubb

$701

$58

National General

$733

$61

Foremost

$742

$62

National General

$757

$63

Allstate

$785

$65

Texas Farm Bureau

$788

$66

Nationwide

$835

$70

Allstate

$857

$71

Mercury

$862

$72

Foremost

$865

$72

State Farm

$890

$74

Mercury

$913

$76

National General

$932

$78

GEICO

$965

$80

Texas Farm Bureau

$966

$81

AAA Texas

$977

$81

AAA Texas

$977

$81

GEICO

$988

$82

Nationwide

$1,018

$85

Foremost

$1,019

$85

Dairyland

$1,111

$93

Dairyland

$1,143

$95

Allstate

$1,147

$96

GEICO

$1,157

$96

Mercury

$1,184

$99

Nationwide

$1,226

$102

Chubb

$1,230

$103

Chubb

$1,261

$105

AAA Texas

$1,279

$107

Progressive

$1,335

$111

Dairyland

$1,358

$113

Progressive

$1,384

$115

Chubb

$1,449

$121

National General

$1,483

$124

Foremost

$1,516

$126

Foremost

$1,617

$135

National General

$1,621

$135

Progressive

$1,734

$145

National General

$1,826

$152

Dairyland

$1,875

$156

Foremost

$2,022

$169

Dairyland

$2,075

$173

Chubb

$2,271

$189

Dairyland

$2,549

$212

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In Texas, car insurance policies must meet the state's minimum liability limits for bodily injury liability and property damage liability.

The limits are as follows:

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

Insurance coverage is critical to ensuring your financial protection. If you cause bodily injury to others, with a cost of $50,000 per individual and $100,000 per accident, and you only have minimum coverage, you’ll pay at least $40,000 out of pocket.

Cheapest Full Coverage Car Insurance in Austin

The cheapest car insurance companies for a full coverage policy in Austin are:

  • State Farm: $690 per year
  • Texas Farm Bureau: $788 per year

The most expensive option is Dairyland at $2,075 annually.

Texas Farm Bureau is the cheapest auto insurance provider for a full coverage policy in the Lone Star State, with an average annual premium of $760, slightly less than the cost in Austin. On average, the cost of full coverage car insurance in Texas is $1,316 annually.

When looking for car insurance, it's critical to note that your location can have a significant impact on your rates. Factors such as accident frequency, traffic congestion and crime rates can all influence the risk associated with your area.

Company
Annual Premium
Monthly Premium

State Farm

$314

$26

Texas Farm Bureau

$320

$27

State Farm

$338

$28

Texas Farm Bureau

$368

$31

Allstate

$389

$32

Allstate

$399

$33

Mercury

$403

$34

State Farm

$413

$34

Mercury

$437

$36

Texas Farm Bureau

$468

$39

AAA Texas

$474

$39

Allstate

$487

$41

Nationwide

$496

$41

AAA Texas

$505

$42

Mercury

$520

$43

Nationwide

$520

$43

GEICO

$554

$46

Progressive

$557

$46

Progressive

$569

$47

GEICO

$580

$48

AAA Texas

$607

$51

State Farm

$628

$52

GEICO

$633

$53

Chubb

$638

$53

Texas Farm Bureau

$654

$55

Progressive

$668

$56

State Farm

$690

$57

Nationwide

$695

$58

Chubb

$701

$58

National General

$733

$61

Foremost

$742

$62

National General

$757

$63

Allstate

$785

$65

Texas Farm Bureau

$788

$66

Nationwide

$835

$70

Allstate

$857

$71

Mercury

$862

$72

Foremost

$865

$72

State Farm

$890

$74

Mercury

$913

$76

National General

$932

$78

GEICO

$965

$80

Texas Farm Bureau

$966

$81

AAA Texas

$977

$81

AAA Texas

$977

$81

GEICO

$988

$82

Nationwide

$1,018

$85

Foremost

$1,019

$85

Dairyland

$1,111

$93

Dairyland

$1,143

$95

Allstate

$1,147

$96

GEICO

$1,157

$96

Mercury

$1,184

$99

Nationwide

$1,226

$102

Chubb

$1,230

$103

Chubb

$1,261

$105

AAA Texas

$1,279

$107

Progressive

$1,335

$111

Dairyland

$1,358

$113

Progressive

$1,384

$115

Chubb

$1,449

$121

National General

$1,483

$124

Foremost

$1,516

$126

Foremost

$1,617

$135

National General

$1,621

$135

Progressive

$1,734

$145

National General

$1,826

$152

Dairyland

$1,875

$156

Foremost

$2,022

$169

Dairyland

$2,075

$173

Chubb

$2,271

$189

Dairyland

$2,549

$212

To maximize protection for your vehicle and minimize potential losses, MoneyGeek recommends selecting full coverage that includes comprehensive and collision coverage in addition to liability coverage.

  • Comprehensive coverage: Protects against damages from natural disasters, theft, vandalism and fire.
  • Collision coverage: Safeguards against damages from accidents with other cars or objects.

You should also consider having uninsured/underinsured motorist (UM/UIM) coverage. It is optional in Texas, but insurers must offer it, and the policyholder can decline it. UM/UIM gives you added protection if the driver that hits you does not have insurance or does not have enough to cover your damages. It may also cover hit-and-runs. You don't need a full coverage policy to have UM/UIM.

When choosing the right coverage, consider the value of your vehicle and your budget. For older vehicles with low value, a full coverage policy may not be worth the extra cost.

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Cheapest Car Insurance in Austin After a Driving Offense

The cheapest car insurance company after driving violations in Austin are:

  • Speeding ticket: State Farm ($690 per year)
  • At-fault accident: State Farm ($858 per year)
  • DUI: Mercury ($1,185 per year)

These insurers provide the most expensive premiums for the following incidents:

  • Speeding ticket: Dairyland ($2,549 per year)
  • At-fault accident: Foremost ($3,481 per year)
  • DUI: Chubb ($2,837 per year)

DUI (driving under the influence) is the most common term used when discussing an impaired driving violation. But in Texas, like in a handful of other states, driving while intoxicated (DWI) is used, not DUI.

A bad driving record can make insurance pricier or even difficult to find. Even the cheapest car insurance companies may charge higher rates for drivers with bad records than for safe drivers.

Company
Annual Premium
Monthly Premium

State Farm

$314

$26

Texas Farm Bureau

$320

$27

State Farm

$338

$28

Texas Farm Bureau

$368

$31

Allstate

$389

$32

Allstate

$399

$33

State Farm

$406

$34

State Farm

$413

$34

State Farm

$432

$36

Texas Farm Bureau

$468

$39

Allstate

$487

$41

State Farm

$514

$43

Mercury

$561

$47

Mercury

$574

$48

Texas Farm Bureau

$585

$49

Nationwide

$586

$49

Nationwide

$609

$51

Progressive

$614

$51

GEICO

$627

$52

State Farm

$628

$52

State Farm

$628

$52

Texas Farm Bureau

$630

$52

AAA Texas

$637

$53

State Farm

$654

$55

Texas Farm Bureau

$654

$55

GEICO

$659

$55

Progressive

$665

$55

Allstate

$665

$55

Mercury

$669

$56

Progressive

$670

$56

AAA Texas

$678

$57

Allstate

$682

$57

Mercury

$684

$57

GEICO

$685

$57

Chubb

$689

$57

State Farm

$690

$57

Mercury

$697

$58

Allstate

$711

$59

Texas Farm Bureau

$711

$59

AAA Texas

$716

$60

Mercury

$723

$60

Progressive

$727

$61

Allstate

$729

$61

Progressive

$738

$62

State Farm

$738

$62

AAA Texas

$751

$63

Chubb

$757

$63

GEICO

$760

$63

AAA Texas

$762

$64

Allstate

$785

$65

Texas Farm Bureau

$788

$66

State Farm

$791

$66

Nationwide

$794

$66

Progressive

$796

$66

AAA Texas

$800

$67

Texas Farm Bureau

$804

$67

AAA Texas

$817

$68

GEICO

$817

$68

Nationwide

$820

$68

Texas Farm Bureau

$822

$69

National General

$833

$69

GEICO

$834

$70

Allstate

$835

$70

Foremost

$835

$70

National General

$845

$70

Mercury

$845

$70

Nationwide

$851

$71

Allstate

$857

$71

State Farm

$858

$71

National General

$859

$72

Progressive

$874

$73

National General

$879

$73

State Farm

$890

$74

Allstate

$892

$74

Foremost

$897

$75

AAA Texas

$918

$77

Chubb

$953

$79

Progressive

$963

$80

AAA Texas

$964

$80

Texas Farm Bureau

$966

$81

GEICO

$973

$81

GEICO

$974

$81

Foremost

$981

$82

Mercury

$1,001

$83

Progressive

$1,013

$84

Nationwide

$1,015

$85

Nationwide

$1,021

$85

Chubb

$1,047

$87

Nationwide

$1,047

$87

National General

$1,056

$88

National General

$1,059

$88

Foremost

$1,061

$88

GEICO

$1,063

$89

Texas Farm Bureau

$1,068

$89

State Farm

$1,079

$90

Mercury

$1,095

$91

Nationwide

$1,105

$92

Foremost

$1,116

$93

Dairyland

$1,130

$94

Texas Farm Bureau

$1,140

$95

GEICO

$1,146

$95

Allstate

$1,147

$96

GEICO

$1,148

$96

National General

$1,150

$96

Dairyland

$1,162

$97

Foremost

$1,177

$98

Nationwide

$1,183

$99

Mercury

$1,185

$99

State Farm

$1,195

$100

National General

$1,203

$100

Nationwide

$1,218

$102

Mercury

$1,245

$104

Chubb

$1,247

$104

State Farm

$1,262

$105

Allstate

$1,278

$106

GEICO

$1,282

$107

AAA Texas

$1,283

$107

Texas Farm Bureau

$1,284

$107

AAA Texas

$1,287

$107

Texas Farm Bureau

$1,314

$110

Chubb

$1,329

$111

Allstate

$1,347

$112

Mercury

$1,357

$113

Chubb

$1,362

$114

Allstate

$1,369

$114

Chubb

$1,370

$114

National General

$1,378

$115

Dairyland

$1,380

$115

GEICO

$1,388

$116

Nationwide

$1,391

$116

Nationwide

$1,408

$117

GEICO

$1,408

$117

AAA Texas

$1,425

$119

AAA Texas

$1,432

$119

Allstate

$1,437

$120

Dairyland

$1,475

$123

State Farm

$1,483

$124

AAA Texas

$1,488

$124

Mercury

$1,493

$124

AAA Texas

$1,496

$125

Nationwide

$1,506

$126

Mercury

$1,519

$127

Texas Farm Bureau

$1,536

$128

GEICO

$1,544

$129

Progressive

$1,565

$130

Chubb

$1,566

$130

Mercury

$1,578

$132

Dairyland

$1,580

$132

Progressive

$1,590

$133

Texas Farm Bureau

$1,618

$135

Dairyland

$1,643

$137

AAA Texas

$1,683

$140

Dairyland

$1,684

$140

Progressive

$1,696

$141

National General

$1,724

$144

Foremost

$1,727

$144

Progressive

$1,729

$144

GEICO

$1,732

$144

Nationwide

$1,737

$145

Mercury

$1,785

$149

Dairyland

$1,790

$149

GEICO

$1,799

$150

GEICO

$1,811

$151

Allstate

$1,835

$153

Nationwide

$1,836

$153

Chubb

$1,839

$153

National General

$1,840

$153

Foremost

$1,848

$154

Foremost

$1,849

$154

Foremost

$1,856

$155

AAA Texas

$1,873

$156

Chubb

$1,885

$157

Dairyland

$1,895

$158

Nationwide

$1,921

$160

Texas Farm Bureau

$1,928

$161

Allstate

$1,929

$161

National General

$1,931

$161

Progressive

$1,934

$161

National General

$1,949

$162

Dairyland

$1,951

$163

AAA Texas

$1,957

$163

Foremost

$2,000

$167

Progressive

$2,064

$172

National General

$2,069

$172

Dairyland

$2,094

$175

Progressive

$2,166

$181

Chubb

$2,167

$181

Foremost

$2,202

$184

Mercury

$2,203

$184

Mercury

$2,218

$185

Foremost

$2,239

$187

Progressive

$2,252

$188

Nationwide

$2,284

$190

National General

$2,293

$191

Foremost

$2,314

$193

Foremost

$2,361

$197

National General

$2,377

$198

Chubb

$2,408

$201

Chubb

$2,454

$205

Chubb

$2,468

$206

Dairyland

$2,549

$212

Progressive

$2,572

$214

Dairyland

$2,572

$214

Dairyland

$2,581

$215

National General

$2,588

$216

National General

$2,638

$220

Chubb

$2,837

$236

Dairyland

$2,885

$240

Dairyland

$2,901

$242

Dairyland

$3,056

$255

Dairyland

$3,237

$270

Chubb

$3,396

$283

Foremost

$3,481

$290

Foremost

$4,052

$338

Foremost

$4,125

$344

Chubb

$4,449

$371

If you're caught speeding, driving while intoxicated or cause an accident, your car insurance rates are likely to increase, with more severe violations resulting in even steeper hikes.

In Austin, drivers with DWIs could see their rates increase by $527, while those with speeding tickets may only see rate increases of $251.

While insurance rates can vary depending on factors like location and driving history, drivers with less-than-ideal records must look for reasonably priced coverage that provides adequate protection.

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WILL I NEED AN SR-22 IN AUSTIN?

Throughout Texas, drivers must file an SR-22 after a severe driving offense. If you get, for example, a DWI in Austin, your insurance provider will submit the SR-22 certificate of financial responsibility to the Texas Department of Public Safety to demonstrate that you have at least the minimum required auto insurance liability limits to drive legally in Texas. You will have to maintain a valid SR-22 for at least two years.

Cheapest Car Insurance in Austin for Teens and Their Families

The most affordable car insurance providers for teens on a family policy in Austin are:

  • Nationwide: $1,894 per year for female teens; $2,169 per year for male teens
  • State Farm: $1,902 per year for female teens; $2,289 per year for male teens

Allstate is the priciest insurance provider in the city for teens. Its annual premiums cost $6,488 for female teens and $7,641 for male teens.

Car insurance companies typically consider young male drivers to be riskier to insure, resulting in more expensive premiums. State Farm’s $387 price difference demonstrates this. Insurers adjust their rates to reflect the reduced risk in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$690

$3,007

State Farm

$800

$3,482

State Farm

$820

$4,049

State Farm

$859

$3,743

State Farm

$1,131

$3,580

Nationwide

$1,229

$2,198

Nationwide

$1,241

$2,369

State Farm

$1,245

$4,287

State Farm

$1,267

$4,011

Nationwide

$1,301

$2,974

State Farm

$1,337

$4,932

Nationwide

$1,384

$3,433

Nationwide

$1,387

$2,482

State Farm

$1,393

$4,411

Nationwide

$1,409

$2,781

Nationwide

$1,466

$2,623

Nationwide

$1,476

$2,817

Nationwide

$1,489

$3,194

State Farm

$1,491

$5,891

State Farm

$1,518

$5,225

State Farm

$1,554

$5,422

Nationwide

$1,567

$2,991

Allstate

$1,686

$2,132

State Farm

$1,711

$6,669

Nationwide

$1,762

$4,901

Nationwide

$1,799

$5,774

Allstate

$1,822

$2,202

Nationwide

$1,840

$4,206

State Farm

$1,845

$7,405

State Farm

$1,858

$6,482

Nationwide

$1,894

$6,249

State Farm

$1,898

$7,396

State Farm

$1,902

$8,176

Nationwide

$1,935

$6,210

GEICO

$1,982

$2,952

GEICO

$1,993

$3,556

Nationwide

$2,000

$6,294

GEICO

$2,004

$2,826

GEICO

$2,030

$3,023

GEICO

$2,035

$2,870

Allstate

$2,040

$2,580

GEICO

$2,041

$3,542

State Farm

$2,058

$8,315

Nationwide

$2,060

$7,336

Allstate

$2,069

$3,008

GEICO

$2,077

$3,245

Nationwide

$2,078

$5,153

GEICO

$2,119

$3,155

GEICO

$2,121

$3,242

GEICO

$2,146

$3,026

Nationwide

$2,169

$7,941

Allstate

$2,170

$2,743

Nationwide

$2,216

$7,890

State Farm

$2,283

$9,221

State Farm

$2,289

$10,203

GEICO

$2,352

$4,798

GEICO

$2,373

$4,233

Allstate

$2,379

$2,876

Progressive

$2,413

$2,929

Allstate

$2,428

$3,502

Foremost

$2,431

$3,672

GEICO

$2,438

$4,866

Allstate

$2,441

$3,401

GEICO

$2,470

$4,287

Foremost

$2,498

$3,212

Progressive

$2,521

$4,852

GEICO

$2,533

$5,723

Progressive

$2,548

$2,940

Foremost

$2,611

$3,357

Allstate

$2,614

$3,160

Foremost

$2,617

$3,496

GEICO

$2,639

$5,875

Foremost

$2,641

$3,395

Foremost

$2,721

$4,248

Foremost

$2,736

$3,387

Progressive

$2,740

$5,250

GEICO

$2,839

$6,415

Allstate

$2,854

$3,973

Progressive

$2,893

$3,338

GEICO

$2,906

$7,562

Progressive

$2,922

$3,547

Foremost

$2,945

$3,646

Foremost

$2,999

$4,008

GEICO

$2,999

$6,675

Progressive

$3,013

$6,582

Progressive

$3,061

$4,221

Progressive

$3,074

$4,512

GEICO

$3,075

$7,981

Foremost

$3,075

$3,806

Progressive

$3,098

$5,963

Progressive

$3,147

$3,631

Foremost

$3,204

$9,975

Allstate

$3,233

$5,470

Progressive

$3,242

$3,935

Foremost

$3,311

$10,118

Foremost

$3,329

$10,364

Allstate

$3,331

$4,641

Progressive

$3,418

$7,531

Foremost

$3,484

$10,648

Foremost

$3,572

$6,402

Progressive

$3,584

$6,868

Foremost

$3,600

$6,474

Foremost

$3,766

$14,833

Allstate

$3,817

$6,481

Progressive

$3,817

$13,669

Foremost

$3,934

$6,143

Allstate

$3,940

$5,485

Foremost

$3,957

$15,511

Foremost

$4,045

$6,109

Progressive

$4,253

$15,835

Progressive

$4,253

$15,351

Progressive

$4,520

$16,188

Progressive

$4,683

$17,491

Allstate

$4,914

$6,563

Progressive

$4,949

$17,863

Allstate

$5,781

$7,734

Allstate

$5,997

$8,008

Allstate

$6,488

$11,421

Allstate

$7,058

$9,442

Allstate

$7,641

$13,489

Adding a teenage driver to your current family car insurance policy is often much cheaper than getting a separate policy for them, and it is usually illegal for a teen under 18 to buy an auto policy without a parent or guardian. By getting a family policy in Austin, you could save up to $3,267 per year. When searching for affordable car insurance for your teen, it's important to consider all available options and factors that affect insurance premiums.

Cheapest Car Insurance in Austin for Military Drivers

The cheapest car insurance for current or former military members and their families in Austin are:

  • State Farm: $690 per year
  • Texas Farm Bureau: $788 per year

USAA is a top-performing insurance provider that offers a variety of insurance services for military members throughout the United States, consistently receiving high ratings for its affordability, stability and customer satisfaction. At an average rate of $880 per year, USAA offers competitive pricing.

State Farm and Texas Farm Bureau rank as the most affordable insurance providers for minimum coverage, with annual premiums costing $338 and $368, respectively.

Company
Annual Premium
Monthly Premium

State Farm

$314

$26

Texas Farm Bureau

$320

$27

State Farm

$338

$28

Texas Farm Bureau

$368

$31

Allstate

$389

$32

USAA

$399

$33

Allstate

$399

$33

Mercury

$403

$34

State Farm

$413

$34

USAA

$426

$36

Mercury

$437

$36

Texas Farm Bureau

$468

$39

AAA Texas

$474

$39

USAA

$480

$40

Allstate

$487

$41

Nationwide

$496

$41

AAA Texas

$505

$42

Mercury

$520

$43

Nationwide

$520

$43

GEICO

$554

$46

Progressive

$557

$46

Progressive

$569

$47

GEICO

$580

$48

AAA Texas

$607

$51

State Farm

$628

$52

GEICO

$633

$53

Chubb

$638

$53

Texas Farm Bureau

$654

$55

Progressive

$668

$56

State Farm

$690

$57

Nationwide

$695

$58

Chubb

$701

$58

National General

$733

$61

Foremost

$742

$62

National General

$757

$63

Allstate

$785

$65

Texas Farm Bureau

$788

$66

Nationwide

$835

$70

Allstate

$857

$71

Mercury

$862

$72

Foremost

$865

$72

USAA

$866

$72

USAA

$880

$73

State Farm

$890

$74

Mercury

$913

$76

National General

$932

$78

GEICO

$965

$80

Texas Farm Bureau

$966

$81

AAA Texas

$977

$81

AAA Texas

$977

$81

GEICO

$988

$82

Nationwide

$1,018

$85

Foremost

$1,019

$85

USAA

$1,072

$89

Dairyland

$1,111

$93

Dairyland

$1,143

$95

Allstate

$1,147

$96

GEICO

$1,157

$96

Mercury

$1,184

$99

Nationwide

$1,226

$102

Chubb

$1,230

$103

Chubb

$1,261

$105

AAA Texas

$1,279

$107

Progressive

$1,335

$111

Dairyland

$1,358

$113

Progressive

$1,384

$115

Chubb

$1,449

$121

National General

$1,483

$124

Foremost

$1,516

$126

Foremost

$1,617

$135

National General

$1,621

$135

Progressive

$1,734

$145

National General

$1,826

$152

Dairyland

$1,875

$156

Foremost

$2,022

$169

Dairyland

$2,075

$173

Chubb

$2,271

$189

Dairyland

$2,549

$212

How to Compare Cheap Austin Car Insurance Quotes Online

In Austin, Texas, comparing car insurance quotes online can be a time-consuming process requiring you to share personal information.

However, with MoneyGeek's car insurance calculator, you can quickly get a ballpark estimate based on basic information such as your age, vehicle type, coverage level and driving record. Our convenient tool helps you save time and gain insight into your expected car insurance premiums, all while ensuring accuracy and reliability.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

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Cheapest Car Insurance in Austin for Young Adults

The cheapest car insurance with a full coverage policy for young drivers in Austin are:

  • State Farm: $890 per year
  • Texas Farm Bureau: $966 per year

The priciest auto insurance with a full coverage policy is Dairyland, which costs an annual premium of $2,549.

Car insurance for young adults is costlier than for those aged 40 due to their inexperience and high accident frequency, making them more high-risk to insure. In Austin, it’s $343 cheaper for drivers aged 40 to purchase car insurance with full coverage than younger drivers.

Insurance premiums typically decrease as drivers mature and acquire experience more experience behind the wheel.

Company
Annual Premium
Monthly Premium

State Farm

$314

$26

Texas Farm Bureau

$320

$27

State Farm

$338

$28

Texas Farm Bureau

$368

$31

Allstate

$389

$32

Allstate

$399

$33

Mercury

$403

$34

State Farm

$413

$34

Mercury

$437

$36

Texas Farm Bureau

$468

$39

AAA Texas

$474

$39

Allstate

$487

$41

Nationwide

$496

$41

AAA Texas

$505

$42

Mercury

$520

$43

Nationwide

$520

$43

GEICO

$554

$46

Progressive

$557

$46

Progressive

$569

$47

GEICO

$580

$48

AAA Texas

$607

$51

State Farm

$628

$52

GEICO

$633

$53

Chubb

$638

$53

Texas Farm Bureau

$654

$55

Progressive

$668

$56

State Farm

$690

$57

Nationwide

$695

$58

Chubb

$701

$58

National General

$733

$61

Foremost

$742

$62

National General

$757

$63

Allstate

$785

$65

Texas Farm Bureau

$788

$66

Nationwide

$835

$70

Allstate

$857

$71

Mercury

$862

$72

Foremost

$865

$72

State Farm

$890

$74

Mercury

$913

$76

National General

$932

$78

GEICO

$965

$80

Texas Farm Bureau

$966

$81

AAA Texas

$977

$81

AAA Texas

$977

$81

GEICO

$988

$82

Nationwide

$1,018

$85

Foremost

$1,019

$85

Dairyland

$1,111

$93

Dairyland

$1,143

$95

Allstate

$1,147

$96

GEICO

$1,157

$96

Mercury

$1,184

$99

Nationwide

$1,226

$102

Chubb

$1,230

$103

Chubb

$1,261

$105

AAA Texas

$1,279

$107

Progressive

$1,335

$111

Dairyland

$1,358

$113

Progressive

$1,384

$115

Chubb

$1,449

$121

National General

$1,483

$124

Foremost

$1,516

$126

Foremost

$1,617

$135

National General

$1,621

$135

Progressive

$1,734

$145

National General

$1,826

$152

Dairyland

$1,875

$156

Foremost

$2,022

$169

Dairyland

$2,075

$173

Chubb

$2,271

$189

Dairyland

$2,549

$212

Cheapest Car Insurance in Austin for Seniors

In Austin, the cheapest car insurance companies for seniors with a full coverage policy are:

  • State Farm: $628 per year
  • Texas Farm Bureau: $654 per year

The most expensive option is Dairyland, at around $1,875 annually.

Seniors may encounter higher car insurance rates compared to 40-year-olds, as premiums often increase after 65. This is because age-related declines in physical and cognitive abilities can lead to a higher risk of accidents, which in turn leads to higher insurance costs.

However, in Austin, seniors pay less than 40-year-olds for car insurance.

Company
Annual Premium
Monthly Premium

State Farm

$314

$26

Texas Farm Bureau

$320

$27

State Farm

$338

$28

Texas Farm Bureau

$368

$31

Allstate

$389

$32

Allstate

$399

$33

Mercury

$403

$34

State Farm

$413

$34

Mercury

$437

$36

Texas Farm Bureau

$468

$39

AAA Texas

$474

$39

Allstate

$487

$41

Nationwide

$496

$41

AAA Texas

$505

$42

Mercury

$520

$43

Nationwide

$520

$43

GEICO

$554

$46

Progressive

$557

$46

Progressive

$569

$47

GEICO

$580

$48

AAA Texas

$607

$51

State Farm

$628

$52

GEICO

$633

$53

Chubb

$638

$53

Texas Farm Bureau

$654

$55

Progressive

$668

$56

State Farm

$690

$57

Nationwide

$695

$58

Chubb

$701

$58

National General

$733

$61

Foremost

$742

$62

National General

$757

$63

Allstate

$785

$65

Texas Farm Bureau

$788

$66

Nationwide

$835

$70

Allstate

$857

$71

Mercury

$862

$72

Foremost

$865

$72

State Farm

$890

$74

Mercury

$913

$76

National General

$932

$78

GEICO

$965

$80

Texas Farm Bureau

$966

$81

AAA Texas

$977

$81

AAA Texas

$977

$81

GEICO

$988

$82

Nationwide

$1,018

$85

Foremost

$1,019

$85

Dairyland

$1,111

$93

Dairyland

$1,143

$95

Allstate

$1,147

$96

GEICO

$1,157

$96

Mercury

$1,184

$99

Nationwide

$1,226

$102

Chubb

$1,230

$103

Chubb

$1,261

$105

AAA Texas

$1,279

$107

Progressive

$1,335

$111

Dairyland

$1,358

$113

Progressive

$1,384

$115

Chubb

$1,449

$121

National General

$1,483

$124

Foremost

$1,516

$126

Foremost

$1,617

$135

National General

$1,621

$135

Progressive

$1,734

$145

National General

$1,826

$152

Dairyland

$1,875

$156

Foremost

$2,022

$169

Dairyland

$2,075

$173

Chubb

$2,271

$189

Dairyland

$2,549

$212

Cheapest Car Insurance in Austin for Poor Credit

The cheapest car insurance companies for drivers with poor credit and a full coverage policy in Austin are:

  • Mercury: $1,265 per year
  • Allstate: $1,302 per year

In Austin, the priciest auto insurance for drivers with poor credit is State Farm. Its annual premium costs $3,752. The average cost of full coverage car insurance in the city is $1,159 for those with good credit scores. Drivers with poor credit pay an average yearly premium of $2,092 in the city. This is an 81% increase from the city average, equating to a $934 difference.

Company
Annual Premium
Monthly Premium

Mercury

$561

$47

Allstate

$577

$48

Allstate

$592

$49

Mercury

$609

$51

Nationwide

$650

$54

Texas Farm Bureau

$675

$56

Nationwide

$683

$57

Allstate

$725

$60

Mercury

$729

$61

AAA Texas

$743

$62

Texas Farm Bureau

$779

$65

AAA Texas

$791

$66

Progressive

$877

$73

Foremost

$888

$74

Progressive

$896

$75

Nationwide

$928

$77

AAA Texas

$953

$79

Texas Farm Bureau

$998

$83

Foremost

$1,037

$86

Progressive

$1,052

$88

National General

$1,061

$88

National General

$1,102

$92

Chubb

$1,127

$94

Allstate

$1,191

$99

Foremost

$1,222

$102

Nationwide

$1,237

$103

Chubb

$1,238

$103

Mercury

$1,265

$105

Allstate

$1,302

$109

National General

$1,304

$109

Mercury

$1,335

$111

Nationwide

$1,351

$113

Dairyland

$1,374

$115

Dairyland

$1,418

$118

Texas Farm Bureau

$1,447

$121

AAA Texas

$1,533

$128

AAA Texas

$1,534

$128

GEICO

$1,579

$132

GEICO

$1,585

$132

Dairyland

$1,683

$140

GEICO

$1,712

$143

State Farm

$1,712

$143

Mercury

$1,741

$145

Allstate

$1,746

$146

Texas Farm Bureau

$1,758

$147

Nationwide

$1,786

$149

State Farm

$1,837

$153

Foremost

$1,848

$154

Foremost

$1,968

$164

AAA Texas

$2,008

$167

Texas Farm Bureau

$2,159

$180

Chubb

$2,177

$181

Progressive

$2,215

$185

Chubb

$2,231

$186

State Farm

$2,246

$187

Progressive

$2,305

$192

Dairyland

$2,354

$196

National General

$2,448

$204

Foremost

$2,467

$206

National General

$2,557

$213

Chubb

$2,565

$214

Dairyland

$2,629

$219

GEICO

$2,654

$221

GEICO

$2,798

$233

Progressive

$2,894

$241

GEICO

$3,139

$262

National General

$3,169

$264

Dairyland

$3,218

$268

State Farm

$3,416

$285

State Farm

$3,752

$313

Chubb

$4,022

$335

State Farm

$4,843

$404

Insurance industry actuarial data shows that drivers with a poor credit history tend to file more insurance claims, which results in higher premiums. If you have poor credit, you can reduce your insurance costs by looking for popular discounts, bundling policies and comparing quotes from several insurers. Working on boosting your credit score over time can help lower those costs as well.

mglogo icon
MONEYGEEK EXPERT TIP

Your credit history is only one rating factor Texas car insurance companies might use when calculating your premium. Texas does not have any restrictions on what rating factors insurers can use, so you may find your motor vehicle record, gender, age, location (and even ZIP code), occupation and employment status, marital status and level of education influence your rate. That is why it's always best to get quotes from multiple companies, as how they weigh factors may differ. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Austin for Sports Cars

The most affordable car insurance companies for drivers with sports car and a full coverage policy in Austin are:

  • State Farm: $850 per year
  • Allstate: $1,077 per year

On the other hand, Dairyland is the priciest insurance provider in the city for sports cars. Its annual premium costs $2,137.

In this city, the average full coverage policy for a Toyota Camry is $1,159, while it’s $1,442 for a Ford Mustang. This is a $283 difference, so it is 24% more expensive to protect a Mustang than a Camry. Keep in mind that costs differ in different cities due to some factors.

Company
Annual Premium
Monthly Premium

State Farm

$346

$29

State Farm

$372

$31

Allstate

$393

$33

Allstate

$402

$34

State Farm

$454

$38

GEICO

$469

$39

Nationwide

$483

$40

GEICO

$490

$41

Allstate

$492

$41

Nationwide

$506

$42

GEICO

$531

$44

Progressive

$535

$45

Progressive

$550

$46

Progressive

$658

$55

Nationwide

$676

$56

Foremost

$693

$58

Chubb

$712

$59

State Farm

$774

$65

Chubb

$783

$65

Foremost

$814

$68

State Farm

$850

$71

Allstate

$964

$80

Nationwide

$966

$81

Foremost

$973

$81

GEICO

$1,038

$87

Dairyland

$1,049

$87

Allstate

$1,077

$90

Dairyland

$1,079

$90

State Farm

$1,111

$93

GEICO

$1,119

$93

Nationwide

$1,200

$100

Dairyland

$1,281

$107

GEICO

$1,313

$109

Chubb

$1,374

$115

Nationwide

$1,454

$121

Allstate

$1,461

$122

Chubb

$1,475

$123

Progressive

$1,530

$128

Foremost

$1,673

$139

Chubb

$1,696

$141

Foremost

$1,735

$145

Progressive

$1,785

$149

Dairyland

$1,905

$159

Dairyland

$2,137

$178

Foremost

$2,251

$188

Progressive

$2,276

$190

Dairyland

$2,628

$219

Chubb

$2,647

$221

We used a Ford Mustang to compare insurance prices, but insurance prices may vary by model. Luxury, electric and sports cars generally cost more to insure than other vehicles.

Average Cost of Car Insurance in Austin

In Austin, the average cost of car insurance for full coverage is $1,159 per year. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average car insurance cost in the city is $42 lower than the average full coverage cost in Texas. It is also $106 less than the national average car insurance premium of $1,265 per year. Car insurance companies take several factors into consideration when calculating insurance premiums, including the drivers' location.

In the chart below, you can see how Austin's auto insurance costs compare to other cities in Texas.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Wichita Falls

$965

$426

San Angelo

$1,001

$410

Abilene

$1,016

$436

College Station

$1,032

$500

Midland

$1,037

$461

Waco

$1,038

$491

Killeen

$1,052

$503

El Paso

$1,093

$495

Lubbock

$1,095

$499

Round Rock

$1,098

$542

Odessa

$1,128

$490

Denton

$1,132

$558

Tyler

$1,135

$554

Corpus Christi

$1,140

$578

Lewisville

$1,151

$572

Allen

$1,158

$571

Austin

$1,159

$571

Frisco

$1,159

$574

Fort Worth

$1,168

$563

McKinney

$1,171

$573

Arlington

$1,174

$576

Plano

$1,207

$596

Amarillo

$1,209

$512

San Antonio

$1,220

$601

League City

$1,221

$607

Sugar Land

$1,242

$623

Beaumont

$1,242

$623

Laredo

$1,249

$557

Irving

$1,251

$606

Richardson

$1,256

$620

Carrollton

$1,257

$617

The Woodlands

$1,267

$639

Pasadena

$1,274

$630

Brownsville

$1,276

$622

Grand Prairie

$1,287

$630

Pearland

$1,298

$645

Mesquite

$1,302

$639

Dallas

$1,314

$640

Garland

$1,322

$657

McAllen

$1,364

$668

Houston

$1,436

$699

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.