CarInsurance.com Insights
- CarInsurance.com’s research shows that Texas Farm Bureau and State Farm offer the lowest state minimum car insurance rates in Austin, with yearly premiums of $434 and $565, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Austin can save an average of $2,943 per year on full coverage car insurance.
- Drivers in Austin with a speeding ticket can find the cheapest full coverage car insurance with Auto Club Enterprises (AAA), at an average annual cost of $3,440.
- Progressive stands out as an affordable option for drivers with a DUI in Austin, with average full coverage cost of $3,271 per year.
Texas Farm Bureau, Redpoint Insurance and State Farm are the top insurers with the most affordable car insurance rates for drivers in Austin, Texas for a full coverage policy.
In Austin, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $688. If you upgrade to full coverage, the cost increases to $2,619.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Austin.
Who offers the cheapest car insurance rates in Austin, Texas?
Texas Farm Bureau provides the cheapest car insurance for a state minimum policy in Austin at an average cost of $434 per year or $36 per month. Its full coverage car insurance averages $121 monthly for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Austin.
| Insurance company | Annual premium |
|---|---|
| Texas Farm Bureau | $1,455 |
| Redpoint Insurance | $1,725 |
| State Farm | $2,275 |
| Auto Club Enterprises (AAA) | $2,310 |
| GEICO | $2,728 |
| Progressive | $2,769 |
| Allstate | $4,207 |
| Farmers | $4,398 |
| USAA | $1,705 |
Average car insurance rates in Austin
According to our rate analysis, state minimum coverage in Austin costs an average of $688 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $24 and your yearly premium by $286.
For full coverage (100/300/100 with $500 collision and comprehensive deductibles), you can expect to pay $161 more per month or $1,931 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| Coverage type | Annual premium |
|---|---|
| State minimum | $688 |
| Liability only (50/100/50) | $974 |
| Full coverage (100/300/100, $500 ded.) | $2,619 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,000 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,359 |
| Non-owners | $471 |
Cheapest rates for drivers in Austin, Texas, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Redpoint Insurance | $1,725 |
| Young adults (20-24) | Redpoint Insurance | $1,725 |
| Adults (25-60) | Texas Farm Bureau | $1,437 |
| Seniors (65-75) | Texas Farm Bureau | $1,221 |
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Cheapest car insurance rates for Austin drivers after a speeding ticket
Our data shows that Auto Club Enterprises (AAA) has the most affordable car insurance rates for drivers in Austin after a speeding ticket, with an average annual cost of $3,440 or $287 monthly. Progressive and GEICO also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Austin drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Auto Club Enterprises (AAA) | $2,310 | $3,440 | 49% |
| Progressive | $2,769 | $3,751 | 35% |
| GEICO | $2,728 | $4,268 | 56% |
| Farmers | $4,398 | $6,240 | 42% |
| USAA | $1,705 | $1,931 | 13% |
Cheap car insurance for drivers with a DUI in Austin
A DUI conviction on your driving record makes it challenging to find affordable insurance rates. However, Progressive, State Farm and Auto Club Enterprises (AAA) offer lower rates for high-risk drivers in Austin.
The table below shows car insurance providers in Austin that offer affordable coverage after a DUI conviction.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $2,769 | $3,271 | 18% |
| State Farm | $2,275 | $3,585 | 58% |
| Auto Club Enterprises (AAA) | $2,310 | $3,839 | 66% |
| GEICO | $2,728 | $4,770 | 75% |
| Allstate | $4,207 | $6,631 | 58% |
| Farmers | $4,398 | $7,218 | 64% |
| USAA | $1,705 | $2,573 | 51% |
Affordable car insurers for Austin drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Austin for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Austin, State Farm offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Auto Club Enterprises (AAA) and GEICO.
See the table below to see which insurers offer cheap auto insurance premiums for Austin drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,275 | $2,649 | 16% |
| Auto Club Enterprises (AAA) | $2,310 | $3,804 | 65% |
| GEICO | $2,728 | $4,276 | 57% |
| Progressive | $2,769 | $4,346 | 57% |
| Allstate | $4,207 | $6,654 | 58% |
| Farmers | $4,398 | $8,642 | 97% |
| USAA | $1,705 | $2,715 | 59% |
Compare car insurance quotes in Austin: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $2,943 per year or $245 per month on a full coverage policy in Austin, Texas, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Final thoughts: Car insurance cost in Austin, Texas
Shopping for a new auto insurance policy when your current one is up for renewal is the best way to secure the most affordable coverage in Austin, Texas. Maximize your savings by taking advantage of discounts, driving a vehicle with adequate safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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