Buy Cheap Austin, TX Auto Insurance

USAA and State Farm offer the cheapest auto insurance rates in Austin, TX. Austin, TX auto insurance minimum liability coverage requirements are 30/60/25. Austin, TX is the 18th most congested city in the country, and the average commute is 22.5 minutes. The best way to find affordable Austin, TX car insurance rates is to shop around and compare quotes.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 14, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Auto insurance rates in Austin, TX average $3,875.30 per year and $322.94 per month
  • USAA and State Farm offer the lowest car insurance rates to Austin drivers
  • Austin is the fourth largest city in Texas

Looking for Austin, TX auto insurance? As one of the larger cities in the state, Texas auto insurance in Austin can come at a higher cost, regardless of the auto insurance coverage you choose.

Read this article to learn everything you need to know about car insurance in Austin, TX, including the cheapest rates, minimum coverage requirements, and more. You can save on your car insurance by shopping around, comparing rates, and asking about discounts.

Want to start shopping for affordable Austin, TX auto insurance? Enter your ZIP code into our free online quote tool today to get Austin, TX auto insurance quotes.

What is the cheapest auto insurance company in Austin, TX?

Wondering about the cheapest Austin, TX auto insurance company? Look no further. The cheapest car insurance companies in Austin are USAA and State Farm (we listed both since USAA is only available to military members and their families).

For a more complete picture, we’ve listed the average rates for the largest auto insurance companies in Austin and ranked them from cheapest to most expensive:

  • USAA – $2,503.42
  • State Farm – $3,111.91
  • Nationwide – $3,421.39
  • GEICO – $3,480.39
  • Progressive – $4,343.44
  • American Family – $4,769.79
  • Allstate – $5,496.49

These rates are useful as baseline averages when you’re shopping, but what you pay will vary based on several factors, including your age, marital status, gender, driving record, and credit score.

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What auto insurance coverage is required in Austin, TX?

Whether you live in Austin, are looking for car insurance in Houston, TX, or are planning to drive anywhere else in the state, you probably know Texas requires drivers to maintain a minimum amount of car insurance coverage to drive legally.

Texas requires drivers to carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

As an at-fault state, Texas requires drivers to carry this coverage because if you’re in an accident in which you’re deemed to be at-fault, you and your insurance company are responsible for the cost of injuries and damages sustained by the other driver(s).

What affects auto insurance rates in Austin, TX?

Austin is the fourth most populated city in Texas (outranked by Houston, San Antonio, and Dallas). This means there is likely a significant amount of traffic. The more traffic, the higher the driver’s chances of getting in an accident, meaning increased insurance rates.

According to INRIX, Austin is the 18th most congested city in the country, meaning traffic congestion is a real problem. Austin drivers can expect an average commute of 22.5 minutes, according to City-Data.

In our study of the 10 Worst Cities for Drunk Driving, Austin placed second with 1,254 DUI arrests per 100,000 residents per year during our three-year study period. That can also affect auto insurance rates.

The most recent annual FBI statistics indicate that Austin has 2,079 auto thefts.

Austin, TX Auto Insurance: The Bottom Line

Austin’s average insurance rates are on the higher end for Texas residents (though they rank lower than rates in Houston, San Antonio, and Dallas). Take some time to shop around, compare rates, and be sure to ask your chosen insurer about discounts to save.

Ready to shop for Austin, TX auto insurance? Plug your ZIP code into our free quote tool to start comparing Austin, TX auto insurance rates today.

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