call

Austin Car Insurance

How much does car insurance cost in Austin, TX? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Austin?

Austin, Texas is renowned for being the Live Music Capital of the World. The Texas state capital is known for its chic, laid-back atmosphere, vibrant cultural scene, and outstanding restaurants.

Residents can spend a fun afternoon biking, hiking, and zip-lining through Hill Country. The city also hosts the famous SXSW music and tech festival during Spring. You can also enjoy breakfast tacos, Texas barbecue, or craft beverages at one of the city's many restaurants.

Although people can use the Austin Public Transit to ride through town, the best way to explore all Austin has to offer is to use a car.

Are you an Austin resident that needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers that fit your needs and budget. In this article, you'll learn about the auto insurance requirements for Austin drivers.

Austin Auto Insurance Requirements

What Is the Minimum Amount of Liability Coverage Requirement in Austin, Texas? Texas law requires drivers to have 30/60/25 coverage for their vehicles.

  • Bodily Injury Liability: $30,000 per person and $60,000 total per accident
  • Property Damage Liability: $25,000 of coverage for property damage
  • Personal Injury Protection: $2,500 (unless you refuse this coverage)
  • Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident (unless you decline this insurance)
  • Uninsured Motorist Property Damage: $25,000

The minimum amount of coverage may not provide enough coverage during a major accident. If this happens, you could pay for these damages out of pocket. Consider buying additional coverage to protect yourself and your assets.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Austin typically pay around $113.48 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
Austin, Texas $113.48

Austin, TX Best Car Insurance Companies

car insurance in Austin

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Austin coming in around $101.69 per month. Other companies to consider if you live in Austin is Clearcover with an average cost of $102.16 per month and USAA which typically runs around $106.05 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Austin.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $101.69-12.14%
2 Clearcover $102.16-11.73%
3 USAA $106.05-8.37%
4 Direct Auto $113.05-2.32%
5 Texas Farm Bureau Group $119.202.99%
6 Jupiter Auto Insurance $156.8035.48%
7 Encompass $166.7544.08%
8 Esurance $170.6447.44%
9 National General $172.3948.95%
10 Mercury $180.7856.20%

How Much is Car Insurance in Austin, TX?

how much is auto insurance in Austin

Rates can vary from city to city. The residents of Austin typically pay $113.29 per month while people who live in Dallas will pay $118.58 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.29
Dallas $118.58
El Paso $106.92
Houston $137.56
San Antonio $118.73

Cheap Car Insurance in Austin by Zip Codes

find cheap auto insurance in Austin

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Austin, TX ZIP CodeAverage Monthly Rate
73301$163.17
78701$112.02
78702$114.79
78703$105.19
78704$107.57
78705$124.54
78708$107.04
78711$79.23
78712$181.72
78717$124.94
78719$154.79
78721$113.00
78722$98.78
78723$114.86
78724$115.20
78725$104.90
78726$112.46
78727$104.05
78728$102.79
78729$104.02
78730$117.20
78731$109.68
78732$136.28
78733$90.96
78734$91.46
78735$109.63
78736$99.50
78737$113.72
78738$147.24
78739$123.24
78741$122.27
78742$77.07
78744$128.12
78745$109.93
78746$115.06
78747$121.73
78748$115.17
78749$98.97
78750$110.70
78751$121.11
78752$103.55
78753$114.20
78754$106.40
78756$105.59
78757$115.46
78758$110.15
78759$112.80
78764$53.49
78765$198.21
78767$91.09
78785$488.83

Car Insurance Rates by Driver's Age Group in Austin

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $265.33 per month in Austin. Compare that to drivers in their 30’s who typically pay around $98.40 per month drivers in their 40s at $93.74 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$265.33
20s$137.33
30s$98.40
40s$93.74
50s$82.01
60s$84.33
70+$102.37

Cheapest Insurance for Teenage Drivers in Austin

If you are teen in Austin you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $172.99 per month. This is likely the most affordable option in Austin. You might also want to consider State Farm and Direct Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$172.99
State Farm$220.65
Direct Auto$246.95
Dairyland$272.00
Kemper Auto Premium$282.33

Cheapest Insurance for 20 Year-olds in Austin

20 year-olds in Austin might want to consider Clearcover who, on average, offers car insurance rates around $120.86 per month. USAA , State Farm , Direct Auto and Texas Farm Bureau Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$120.86
USAA$124.68
State Farm$127.26
Direct Auto$130.66
Texas Farm Bureau Group$147.02

Cheapest Insurance for 30 Year-olds in Austin

If you are in your 30s in Austin our research has found that State Farm typically has the most affordable coverage coming in around $89.23 per month, followed by Direct Auto at $93.47 and USAA at $97.99.

CompanyAverage Monthly Rate
State Farm$89.23
Direct Auto$93.47
USAA$97.99
Texas Farm Bureau Group$105.15
Clearcover$106.90

Cheapest Insurance for 40 Year-olds in Austin

On average, Direct Auto offers car insurance for 40 year-olds in Austin for around $83.01 per month. If you are looking for affordable coverage, you may also want to consider State Farm or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$83.01
State Farm$85.04
USAA$91.61
Clearcover$104.23
Texas Farm Bureau Group$105.28

Cheapest Insurance for 50 Year-olds in Austin

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Austin we found that Clearcover generally offers the most affordable coverage at $77.81 per month.

CompanyAverage Monthly Rate
Clearcover$77.81
State Farm$82.10
Direct Auto$83.59
USAA$87.19
Texas Farm Bureau Group$89.27

Cheapest Insurance for 60 Year-olds in Austin

If you live in Austin and you’re in your 60s, our data indicates that State Farm usually has the best rates at $72.08 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$72.08
Clearcover$81.51
USAA$82.66
Direct Auto$85.27
Safeco$85.87

Driver's Coverage Auto Insurance Rates in Austin, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Austin, the average monthly rate for a driver who is currently insured is $104.76 while drivers who are not currently covered will pay around $119.40.

CoverageAverage Monthly Rate
Not Currently Insured $119.40
Currently Insured $104.76

Compare Recent Car Insurance Quotes in Austin

auto insurance quotes in Austin city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Austin a driver of a 2016 Toyota Rav4 can expect to pay around $95.13 per month while someone that owns a 2010 Ford F150 may pay around $85.72 per month. Check out the list of recent quotes in Austin below.

VehicleAverage Monthly Rate
2016 Toyota Rav4$95.13
2010 Ford F150$85.72
2017 Subaru Forester$267.33
2006 Honda Accord$32.90
2006 Honda Accord$35.57
2006 Honda Accord$22.60
2006 Honda Accord$25.50
2021 Mazda Cx-5$45.90
2021 Mazda Cx-5$24.37
2021 Mazda Cx-5$24.87

FAQ's for Drivers in Austin, TX

driver’s frequently asked question in Austin

What Is the Blood Alcohol Concentration (BAC) Limit in Austin, Texas?

Under Texas law, the state considers drivers as intoxicated when their blood alcohol concentration reaches 0.08 percent. Individuals also violate the law as soon drugs or alcohol impact their ability to drive, fly, or commandeer boats. The Department of Transportation says it's illegal for individuals to have open alcohol containers of alcohol in their automobiles.

Are you an Austin resident with a DUI on your records?

If you have rising insurance rates, you can switch to a more affordable carrier. Shop for the best rates using SmartFinancial and find an insurer that's right for you.

No one is perfect; If you have a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. All you have to do is fill out a form once and they'll compare hundreds of insurers to find you the best car insurance rate.

Can I Register My Car Without Insurance in Austin?

No, you can't register your car without insurance in Texas. State law requires residents to prove they can pay for accidents when they're at fault. Drivers must buy auto liability insurance. It pays to repair or replace another driver's vehicle, damaged property, or medical expenses when you're at fault in an accident.

map

Commute Time in Austin, TX

24.1 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Austin, TX

132

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.