For a 40-year-old driver with a clean record, Austin car insurance averages about $202 a month ($2,426 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% below the Texas average of $209 a month. State Farm has the lowest full-coverage average of the insurers we price that are open to all drivers, at about $180 a month.
Austin is a little cheaper than the Texas average for our benchmark driver, and about $44 a month less than Houston and $36 less than Dallas. State Farm has the lowest average among insurers open to all drivers, with Auto Club (AAA) close behind.
Our data covers 41 ZIP codes with an Austin mailing address, from about $193 a month in 78705 to $213 in 78753.
Cost data comes from the auto rates insurers file with state regulators, priced across all 41 Austin ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 30, 2026.
Full coverage in Austin averages $2,426 a year, or about $202 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $857 a year ($71 a month), and 50/100/50 liability with comprehensive and collision averages $2,242 ($187 a month).
State Farm has the lowest full-coverage average among the insurers in our Austin rate data that are open to all drivers. USAA, which sells only to military members, veterans and their families, has a lower average still ($174 a month), but we don’t rank it. Texas Farm Bureau, Allstate and Farmers are priced from published rate studies, scaled to our benchmark driver, so they’re marked with an asterisk in the table. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among the insurers we price that are open to all drivers, at about $66 a month, with GEICO close behind at $71. USAA, which sells only to military families, is lower still, at about $49 a month.
Full-coverage averages by insurer in Austin
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $590 | $49 | $2,086 | $174 |
| State Farm | $786 | $66 | $2,158 | $180 |
| Auto Club (AAA) | $940 | $78 | $2,237 | $186 |
| GEICO | $847 | $71 | $2,515 | $210 |
| Progressive | $1,119 | $93 | $3,135 | $261 |
| Texas Farm Bureau* | $543 | $45 | $1,361 | $113 |
| Allstate* | $1,503 | $125 | $4,328 | $361 |
| Farmers* | $1,377 | $115 | $4,496 | $375 |
| Austin average | $857 | $71 | $2,426 | $202 |
This table uses Austin ZIP codes only. See how we calculated these rates.
Across the 41 Austin ZIP codes we price, full coverage for our driver ranges from about $193 a month in 78705 to $213 in 78753, a gap of $244 a year. Central and west Austin ZIP codes such as 78705 near the University of Texas and 78703, and southwest Austin’s 78749, are among the least expensive in our data. East and southeast Austin ZIP codes such as 78724 and 78741 and north Austin’s 78753 are the most expensive.
Lowest-priced Austin ZIP codes
Highest-priced Austin ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Austin’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 78701 | $824 | $69 | $2,359 | $197 | -2% |
| 78702 | $860 | $72 | $2,480 | $207 | +2% |
| 78703 | $825 | $69 | $2,346 | $196 | -3% |
| 78704 | $853 | $71 | $2,385 | $199 | -1% |
| 78705 | $818 | $68 | $2,315 | $193 | -4% |
| 78717 | $841 | $70 | $2,344 | $195 | -3% |
| 78721 | $873 | $73 | $2,491 | $208 | +3% |
| 78722 | $839 | $70 | $2,351 | $196 | -3% |
| 78723 | $868 | $72 | $2,500 | $208 | +3% |
| 78724 | $882 | $74 | $2,548 | $212 | +5% |
| 78725 | $874 | $73 | $2,533 | $211 | +4% |
| 78726 | $900 | $75 | $2,478 | $207 | +2% |
| 78727 | $877 | $73 | $2,440 | $203 | About average |
| 78728 | $877 | $73 | $2,425 | $202 | About average |
| 78729 | $862 | $72 | $2,418 | $202 | About average |
| 78730 | $847 | $71 | $2,438 | $203 | About average |
| 78731 | $856 | $71 | $2,373 | $198 | -2% |
| 78732 | $861 | $72 | $2,398 | $200 | -1% |
| 78733 | $861 | $72 | $2,453 | $204 | +1% |
| 78734 | $841 | $70 | $2,433 | $203 | About average |
| 78735 | $840 | $70 | $2,381 | $198 | -2% |
| 78736 | $845 | $70 | $2,394 | $200 | -1% |
| 78737 | $807 | $67 | $2,427 | $202 | About average |
| 78738 | $850 | $71 | $2,407 | $201 | About average |
| 78739 | $835 | $70 | $2,382 | $199 | -1% |
| 78741 | $888 | $74 | $2,545 | $212 | +5% |
| 78744 | $881 | $73 | $2,524 | $210 | +4% |
| 78745 | $861 | $72 | $2,392 | $199 | -1% |
| 78746 | $843 | $70 | $2,392 | $199 | -1% |
| 78747 | $869 | $72 | $2,532 | $211 | +4% |
| 78748 | $861 | $72 | $2,410 | $201 | About average |
| 78749 | $838 | $70 | $2,331 | $194 | -4% |
| 78750 | $862 | $72 | $2,435 | $203 | About average |
| 78751 | $833 | $69 | $2,357 | $196 | -3% |
| 78752 | $865 | $72 | $2,451 | $204 | +1% |
| 78753 | $903 | $75 | $2,559 | $213 | +5% |
| 78754 | $888 | $74 | $2,510 | $209 | +3% |
| 78756 | $836 | $70 | $2,347 | $196 | -3% |
| 78757 | $850 | $71 | $2,361 | $197 | -2% |
| 78758 | $882 | $74 | $2,466 | $206 | +2% |
| 78759 | $850 | $71 | $2,361 | $197 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $184 a year on average in our Austin data, with the same $500 deductibles. That’s about $15 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Yes, for our benchmark driver. Comparing the same insurers in the same Austin ZIP codes, full coverage averaged $2,407 a year in rates as of Nov. 30, 2025, and $2,426 as of Aug. 31, 2026, a 0.8% increase. Progressive cut its Austin average 1.4%, while USAA raised its average 3.4% and GEICO 3.1%; Auto Club (AAA)’s and State Farm’s averages were about unchanged. Liability-only coverage at 30/60/25 limits fell 0.9%, led by USAA, which cut its liability-only average 16.4%.
Travis County averages about $203 a month for full coverage in our data, and the suburban counties around it cost a little less: Williamson County averages $195, Hays County $200 and Bastrop County $197.
North of the city, Round Rock and Georgetown each average about $194 a month, and Cedar Park averages $195. The Texas Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
San Antonio, about 75 miles southwest on Interstate 35, averages $218 a month, and Waco, about 95 miles north, $182. Houston averages $246.
Drivers in Austin follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the five counties in the Austin area and 72 ZIP codes we price there, full coverage runs from about $195 a month in Williamson County and Caldwell County to $203 in Travis County. The Texas average is $209. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Travis County | 44 | $857 | $71 | $2,433 | $203 |
| Hays County | 7 | $799 | $67 | $2,402 | $200 |
| Bastrop County | 4 | $758 | $63 | $2,366 | $197 |
| Caldwell County | 3 | $754 | $63 | $2,340 | $195 |
| Williamson County | 14 | $825 | $69 | $2,338 | $195 |
| Texas average | 1019 | $848 | $71 | $2,513 | $209 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Austin averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the five counties in this table, SUV policies cost the least on average and hybrid policies the most, about 23% more. Search the table for your county.
| County: | Car: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Bastrop | $1,291 | $1,102 | $1,225 | $1,296 | $1,366 |
| Caldwell | $1,291 | $1,102 | $1,225 | $1,296 | $1,366 |
| Hays | $1,301 | $1,119 | $1,243 | $1,302 | $1,369 |
| Travis | $1,280 | $1,104 | $1,229 | $1,278 | $1,342 |
| Williamson | $1,200 | $1,032 | $1,148 | $1,195 | $1,256 |
| Average Rates: | $1,273 | $1,092 | $1,214 | $1,273 | $1,340 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Austin averages about $202 a month ($2,426 a year) and liability-only coverage about $71 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% below the Texas average of $209 a month.
State Farm has the lowest full-coverage average open to all drivers in our Austin rate data, at about $180 a month, with Auto Club (AAA) close behind at $186. USAA, which sells only to military members, veterans and their families, has a lower average still ($174 a month), but we don’t rank it. For liability-only coverage, State Farm has the lowest average open to all drivers, at about $66 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Round Rock, for our benchmark driver. Round Rock full coverage averages about $194 a month and Austin about $202, a difference of about $8 a month for the same driver and car.
In our data, 78705 has the lowest full-coverage average in Austin, at about $193 a month, and 78753 the highest, at about $213. The ZIP code table on this page lists all 41.
In our Austin data, full coverage (100/300/100 with $500 deductibles) averages about $202 a month and liability-only coverage at 30/60/25 limits about $71, a difference of about $131 a month ($1,569 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Austin full coverage rose 0.8% between November 2025 and August 2026, from about $2,407 to $2,426 a year. Progressive cut its Austin average 1.4%, while USAA raised its average 3.4% and GEICO 3.1%. Liability-only coverage at 30/60/25 limits fell 0.9%.
