CarInsurance.com Insights
- According to a CarInsurance.com study, Texas Farm Bureau and State Farm rank among the cheapest car insurance providers in Austin, offering insurance for $434 and $565, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $2,943 per year on your car insurance policy.
- For drivers with a speeding violation, Auto Club Enterprises (AAA) offers the most affordable full coverage car insurance in Austin, averaging $3,440 per year.
- Progressive is among the most affordable car insurance providers for drivers with a DUI in Austin, with an average annual full coverage cost of $3,271.
According to a detailed data analysis, Texas Farm Bureau, Redpoint Insurance and State Farm provide cheap car insurance rates for drivers in Austin, Texas for a full coverage policy.
Car insurance in Austin for an adult with a clean driving record and good insurance score costs $688 a year for a state minimum policy and $2,619 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Austin.
Who offers the cheapest car insurance rates in Austin, Texas?
In Austin, Texas Farm Bureau has the lowest rates for a state minimum policy, costing $434 per year or $36 per month. Its full coverage car insurance averages $1,455 annually for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
Below, we mentioned the insurers that offer affordable car insurance for 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 a key factor in determining car insurance rates in most cities, including Austin. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
If you’re a driver with a DUI in Austin, finding affordable car insurance can be challenging. However, Progressive, State Farm and Auto Club Enterprises (AAA) offer cheap car insurance rates for drivers in Austin after a DUI conviction.
The table below lists affordable car insurance companies in Austin that offer coverage to individuals with a DUI.
| 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?
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.
Expert’s take on getting car insurance in Austin
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Austin, Texas. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed February 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed February 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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