Car Insurance for Austin in 2023

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Drivers in Austin pay an average of $1,701 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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The Texas Capitol sits in Austin, a city full of entertainment. From tailgating before a Longhorns game to driving to one of the many music venues across town to watch emerging local artists, there’s no shortage of activities. But no matter where you go, you’ll need car insurance to drive legally.

NerdWallet has compiled car insurance rates in Austin to get you started on your search. Car insurance rates vary from driver to driver due to factors like ZIP code and driving history, so the best way to get cheap car insurance in Austin is to compare quotes from multiple insurers.

Read on to find out how auto insurance companies in Austin stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Austin, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Austin driving a 2019 Toyota Camry L.

Cheapest car insurance companies in Austin

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Austin, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,168
NerdWallet rating 

4.5

/5
Nationwide$1,241
NerdWallet rating 

5.0

/5
State Farm$1,270
NerdWallet rating 

5.0

/5
Republic Group$1,329Not yet rated
USAA$1,381
NerdWallet rating 

4.5

/5
Esurance$1,425Not yet rated
Redpoint County Mutual$1,480Not yet rated
Texas Farm Bureau$1,537
NerdWallet rating 

3.5

/5
Houston General$1,562Not yet rated
Mercury$1,650
NerdWallet rating 

4.0

/5

If you’re looking for cheap car insurance in Austin, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Austin — or anywhere.

Average car insurance cost in Austin and Texas

Rates across Texas differ from those in Austin for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $1,717, while in Austin, it's $1,701.

Average city rate
Average state rate
$1,701$1,717

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Austin’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Austin and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
78704$1,667
78705$1,748
78717$1,626
78741$1,777
78744$1,769
78745$1,713
78748$1,681
78753$1,703
78758$1,674
78759$1,636

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Austin by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Austin for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Austin pay, on average.

Company
Rate
NerdWallet Rating
USAA$2,159
NerdWallet rating 

4.5

/5
Texas Farm Bureau$2,397
NerdWallet rating 

3.5

/5
Geico$2,508
NerdWallet rating 

4.5

/5
State Farm$2,704
NerdWallet rating 

5.0

/5
Nationwide$2,907
NerdWallet rating 

5.0

/5
Houston General$3,101Not yet rated
Encompass$3,214
NerdWallet rating 

4.0

/5
Redpoint County Mutual$3,417Not yet rated
Esurance$3,777Not yet rated
Republic Group$3,880Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Austin, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,168
NerdWallet rating 

4.5

/5
Nationwide$1,241
NerdWallet rating 

5.0

/5
State Farm$1,270
NerdWallet rating 

5.0

/5
Republic Group$1,329Not yet rated
USAA$1,381
NerdWallet rating 

4.5

/5
Esurance$1,425Not yet rated
Redpoint County Mutual$1,480Not yet rated
Texas Farm Bureau$1,537
NerdWallet rating 

3.5

/5
Houston General$1,562Not yet rated
Mercury$1,650
NerdWallet rating 

4.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Austin, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,044
NerdWallet rating 

4.5

/5
Nationwide$1,082
NerdWallet rating 

5.0

/5
Republic Group$1,141Not yet rated
State Farm$1,167
NerdWallet rating 

5.0

/5
Redpoint County Mutual$1,242Not yet rated
Esurance$1,244Not yet rated
USAA$1,246
NerdWallet rating 

4.5

/5
Houston General$1,267Not yet rated
Texas Farm Bureau$1,281
NerdWallet rating 

3.5

/5
Mercury$1,383
NerdWallet rating 

4.0

/5

Austin’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Austin by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Austin according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,168
NerdWallet rating 

4.5

/5
Nationwide$1,241
NerdWallet rating 

5.0

/5
State Farm$1,270
NerdWallet rating 

5.0

/5
Republic Group$1,329Not yet rated
USAA$1,381
NerdWallet rating 

4.5

/5
Esurance$1,425Not yet rated
Redpoint County Mutual$1,480Not yet rated
Texas Farm Bureau$1,537
NerdWallet rating 

3.5

/5
Houston General$1,562Not yet rated
Mercury$1,650
NerdWallet rating 

4.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Austin according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Esurance$1,425Not yet rated
Republic Group$1,702Not yet rated
Geico$1,770
NerdWallet rating 

4.5

/5
USAA$2,031
NerdWallet rating 

4.5

/5
Houston General$2,039Not yet rated
Mercury$2,145
NerdWallet rating 

4.0

/5
State Farm$2,152
NerdWallet rating 

5.0

/5
National General$2,300
NerdWallet rating 

3.0

/5
Nationwide$2,535
NerdWallet rating 

5.0

/5
Dairyland$2,608
NerdWallet rating 

3.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Austin, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$1,603
NerdWallet rating 

5.0

/5
Geico$1,733
NerdWallet rating 

4.5

/5
Republic Group$1,911Not yet rated
Nationwide$2,007
NerdWallet rating 

5.0

/5
USAA$2,159
NerdWallet rating 

4.5

/5
Redpoint County Mutual$2,392Not yet rated
Texas Farm Bureau$2,512
NerdWallet rating 

3.5

/5
Houston General$2,634Not yet rated
Encompass$2,765
NerdWallet rating 

4.0

/5
Chubb$2,964
NerdWallet rating 

4.0

/5

Minimum car insurance requirements in Texas

The minimum legal requirement for car insurance in Texas is $30,000 in bodily injury liability per person and $60,000 per accident, plus $25,000 in property damage liability per accident. You may want higher limits, however, especially if you spend a considerable amount of time driving, have a history of car accidents or simply want greater financial protection.