Best cheap car insurance in Austin for 2025
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The best car insurance companies in Austin
Finding the best car insurance company in Austin, TX means balancing price against other factors — customer service, financial strength and coverage options. Bankrate’s insurance editorial team analyzed all of those factors for the top Texas car insurance companies to find the best picks for drivers in Austin. We considered available discounts, coverage options, customer satisfaction ratings from the 2024 J.D. Power U.S. Auto Insurance Study and financial strength ratings from AM Best. Based on our research, we assigned each carrier a Bankrate Score on a five-point scale. That score offers a snapshot of the best car insurance companies in Austin and how they compare to each other.
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Bankrate's trusted insurance industry expertise
Read our full methodologyWe know how important financial decisions about your insurance — and how difficult they can be. That’s why Bankrate’s insurance editorial team prioritizes working with the most up-to-date data available from Quadrant Information Services in order to give you the most useful information possible. Our team includes licensed agents with combined decades of experience advising drivers regarding their insurance decisions.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Austin
If price is the primary driver in your auto insurance search, consider working with one of the cheapest car insurance companies in Austin, according to data from Quadrant Information Services. According to our research, Geico is the cheapest auto insurance carrier in Austin, with an average rate of $39 per month for state minimum coverage.
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---|---|---|
$471
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$1,744
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$529
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$1,764
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$521
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$1,923
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$573
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$2,008
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$754
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$2,246
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How much is car insurance in Austin, Texas?
The average cost of auto insurance in Austin, TX, is $2,434 per year for full coverage and $708 per year for state minimum coverage. That’s 5 percent less than the Texas state average of $2,572 for full coverage. Compared to the national average, Austin drivers pay roughly 9 percent less for a full coverage policy.
Austin rates for teens
Teen drivers in Austin are more expensive to insure thanks to a higher statistical rate of crashes and violations. Because teens lack driving experience, it’s generally cheaper to keep them on a parent’s policy so that the older driver’s proven experience can mitigate their risk factor. An 18-year-old on a standalone policy in Austin pays an average of $7,176 per year for full coverage, while a married couple with an 18-year-old on their policy pay an annual average of $4,507.
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$1,139
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$1,009
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$1,168
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$1,045
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$1,238
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$903
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$1,499
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$950
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$1,523
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$1,244
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Austin rates for young drivers
As you move into your early- to mid-20s, you’ll likely see your car insurance rates begin to drop, with the most significant decrease after age 25. A 25-year-old in Austin pays an average of $3,186 per year for full coverage — 42 percent less than a 20-year-old and 56 percent less than an 18-year-old on their own policy.
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$1,085
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$572
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$1,098
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$572
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$1,117
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$646
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$1,400
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$815
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$1,748
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$1,094
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Austin rates for adults
Car insurance rates tend to stabilize in adulthood, with 50-year-old drivers in Austin paying $2,288 per year for full coverage, on average. 30-year-old drivers, by comparison, pay an annual average of $2,634 for the same coverage.
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$475
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$471
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$454
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$517
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$521
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$509
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$565
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$529
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$500
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$642
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$573
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$550
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$699
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$696
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$673
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Austin rates for senior drivers
Austin seniors may pay the lowest rates for car insurance of any age group in the city, thanks to a lifetime of driving experience. However, it’s not uncommon to see rates begin to climb again as drivers reach their mid-70s and experience slower reaction times and higher vulnerability to serious injuries. On average, 70-year-old drivers in Austin pay $2,396 per year for full coverage, compared to $2,193 at age 60.
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$440
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$548
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$484
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$513
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$504
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$640
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$504
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$636
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$636
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$696
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The cheapest car insurance in Austin by driving record
Insurance companies will check your motor vehicle report (MVR) for violations or at-fault accidents when issuing or renewing an auto insurance policy in Austin. If your record isn’t clean — whether you got a speeding ticket last month or a DUI two years ago — you’re likely to pay a higher rate to account for the added risk on your driver profile. This makes comparing rates even more important if you’re looking for affordable car insurance in Austin, Texas.
Car insurance with a speeding ticket in Austin
Drivers in Austin with a Texas speeding ticket pay 12 percent more for full coverage than drivers with clean records. Statewide, drivers with speeding tickets pay 12 percent more than average. Your exact rate increase will depend on individual factors, including how fast you were going and which carrier you’re working with. Still, it may be possible to find cheap car insurance in Austin with a speeding violation by comparing insurers.
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$520
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$1,944
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$583
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$2,093
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$595
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$1,997
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$698
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$2,810
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$785
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$2,754
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Car insurance after an accident in Austin
If you cause a car accident — even accidentally — expect your insurance company to charge a higher rate. Austin drivers with a single at-fault accident on their record pay 46 percent more than the state average for full coverage insurance.
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$651
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$2,408
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$663
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$2,321
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$880
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$2,824
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$1,129
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$4,032
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$1,148
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$3,765
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Car insurance after a DUI in Austin
A DUI in Texas doesn’t just carry fines up to $2,000 and mandatory jail time — it’s also likely to significantly impact your insurance rates for years to come. Austin drivers with DUI convictions pay 62 percent more than the state average just for minimum coverage, and 48 percent more for full coverage. In addition, not all insurers are willing to write coverage for drivers with DUI convictions, so you’ll have to shop around to find the best deal.
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$727
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$2,530
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$773
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$2,613
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$872
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$2,606
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$1,025
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$3,293
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$1,249
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$4,346
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Minimum coverage requirements in Austin
All drivers in Austin must carry at least the state minimum coverage required by law in Texas:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Your insurance company must also offer uninsured/underinsured motorist coverage and personal injury protection (PIP), but you’ll have the option to reject these in writing and still remain in compliance with Texas insurance laws. However, most insurance professionals recommend accepting this coverage, as it gives important protection for motorists in a wide range of situations.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 2025 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.