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.
Based on a detailed data analysis, Texas Farm Bureau, Redpoint Insurance, and State Farm are the insurers that offer cheap full coverage car insurance rates for drivers in Austin, Texas.
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 offers cheap car insurance rates in Austin at an average annual cost of $434 or $36 per month for state minimum coverage and $121 per month for a full coverage policy, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Austin drivers.
| 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
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Austin is $688. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $24 more per month or $286 more per year.
For full coverage (100/300/100), you would pay an additional $161 per month or $1,931 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| 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
According to our data analysis, Auto Club Enterprises (AAA) offers the cheapest car insurance rates for drivers in Austin with speeding tickets, at an average annual cost of $3,440 or $287 per month. Progressive and GEICO also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums 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
Dealing with an at-fault accident on your record in Austin can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Austin, State Farm offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Austin if you have an at-fault accident on your record.
| 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?
By comparing car insurance quotes, you could save an average of $2,943 per year or $245 per month on a full coverage policy in Austin, Texas, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Austin, Texas
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 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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