The best car insurance in Austin, TX

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published October 26, 2021

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A full coverage car insurance policy in the city of Austin costs an average of $1,856 per year. That’s just $16 more than the Texas state average of $1,840, but even though Austin drivers pay close to the state average, there are still ways to save on car insurance.

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To get the lowest possible rate on car insurance, you need to shop around and get quotes from multiple insurance companies. Policygenius is here to help you figure out which companies offer the cheapest rates, making it easy to compare coverage and find the best policy for you.

Key Takeaways

  • Texas Farm Bureau has the lowest average for full coverage car insurance in the city of Austin at $1,153 per year

  • The average annual cost of a full coverage policy in Austin is $1,856

  • The State of Texas requires minimum liability coverage of $25,000 for property damage per accident, $30,000 bodily injury per person, and $60,000 bodily injury per accident

Cheapest car insurance companies in Austin, TX

Insurance costs go up and down based on where you choose to live, how old you are, your overall driving history, and the type of car you drive. Every insurance company has a formula for setting rates, so you may get two rates from two companies for the same type of coverage. 

Even within the same city, the ZIP code you call home can change your rates. The table below shows the five cheapest car insurance companies in the city of Austin along with their J.D. Power scores where available.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,153

--

State Farm

$1,206

881

Germania Insurance

$1,258

--

GEICO

$1,437

871

Redpoint County Mutual

$1,525

--

Cheapest car insurance rates by ZIP code in Austin, TX

Insurance companies look at your ZIP code to determine the risks associated with your neighborhood. They check the availability of a secure parking area or on-street parking, reports of car thefts and vandalism, and even the accidents and traffic tickets issued where you live. Check below to see the car insurance rates for ZIP codes in Austin.

ZIP code

Average cost

78617

$1,908

78701

$1,813

78702

$1,939

78703

$1,846

78704

$1,802

78705

$1,852

78710

$2,070

78712

$1,940

Choosing the right car insurance company in Austin, TX

Choosing the right car insurance company may seem like a challenge, but it all comes down to looking at a few key factors.

  • Consider cost: No one wants to overpay. Get quotes from more than one company so you can compare and see which offers the best deal.

  • Overall coverage: Once you meet the state requirements, how much extra coverage you get is up to you. Get coverage that you feel comfortable with, but don’t be pressured into buying more coverage than you need.

  • Customer service: Check independent reviews from real customers to find out how current policyholders feel about a company.

Policygenius makes it easy to see how much you’ll pay and what kind of coverage is offered so the insurance-buying process is quick and easy.

Car insurance rates for drivers with driving violations in Austin, TX

Any speeding tickets on your record will increase the amount you pay for car insurance. Accidents will have an even greater impact on your rates, especially if you’re determined to be at fault for an accident. The more of these violations on your record, the higher your rates.

Try to keep a clean record and you’ll save yourself money on insurance costs. The average annual car insurance rates in Austin for drivers with moving violations is shown in the table below for Texas Farm Bureau, State Farm, Germania Insurance, GEICO, and Redpoint County Mutual.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Redpoint County Mutual

At-fault Accident

$2,012

$1,463

$1,759

$2,284

$2,516

DUI

$5,006

$2,002

$3,024

$2,526

$3,810

Driving with a suspended license

$2,060

$1,732

$2,391

$2,526

$3,810

Driving with an open container

$5,006

$1,895

$1,353

$2,526

$1,558

Driving with expired registration

$1,256

$1,222

$1,353

$1,714

$1,558

Driving without Lights

$1,256

$1,222

$1,353

$1,714

$1,558

Failure to show documents

$1,256

$1,222

$1,353

$1,714

$1,558

Failure to stop at a red light

$1,256

$1,222

$1,353

$1,714

$1,558

Cheapest car insurance for drivers with bad credit in Austin, TX

Insurance companies look at your credit score to figure out your car insurance rate. This table lists the five cheapest car insurance companies in Austin for drivers who have bad credit.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$2,157

Germania Insurance

$2,491

State Farm

$2,528

Nationwide

$2,532

Auto Club Group

$2,627

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Buying car insurance in Austin, TX

Insurance is required in the state of Texas. Every registered vehicle in the state must have:

  • $25,000 for property damage liability per accident

  • $30,000 for bodily injury per person/$60,000 per accident

Insurance coverage must be maintained the entire time that your vehicle is registered, even if you’re not driving. 

How to get cheap car insurance in Austin, TX

There are several ways to get cheap car insurance in Austin, including:

  • Keep a clean record: Do your best to avoid accidents and traffic tickets that can raise your rates

  • Manage your credit: A good credit score will help you get a better insurance rate

  • Compare multiple insurers: Check the rates from a variety of insurance companies to find the best rates

  • Ask about discounts: There are lots of discounts for car insurance. Ask about military discounts, low mileage discounts, safe driver discounts, good student discounts, and even discounts for professional groups including firefighters and teachers

  • Bundle insurance: If you get your renters or homeowners insurance through the same carrier, this could reduce your rates for both policies

Frequently asked questions

Who has the cheapest car insurance rates in the city of Austin?

Our data indicates that the cheapest car insurance companies in Austin are Texas Farm Bureau followed by State Farm.

How can I save money on my car insurance in Austin?

Keep a clean driving record, watch your credit score, and compare multiple companies to get the best rate on your policy. You should also reshop your policy every year, even if you’re happy with your coverage, to make sure you’re getting the lowest rates possible.

Is the state of Texas a no-fault state?

No, Texas is an at-fault state. If one driver is determined to be at fault for an accident, then that driver’s liability insurance will pay the other driver's medical bills and expenses.

Does the State of Texas require car insurance?

The State of Texas does require car insurance. The minimum required amounts are $25,000 for property damage liability per accident, $30,000 for bodily injury per person, and $60,000 bodily injury per accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.