Car insurance in Austin, TX, averages about $202 a month ($2,426 a year) for full coverage and $71 a month ($857 a year) for the Texas minimum, based on insurers’ filed rates as of August 31, 2026 for a 40-year-old driver with a clean record. That’s about 3% below the Texas average and the lowest among Texas’s five largest cities. State Farm has the lowest full-coverage average among insurers open to everyone, at about $180 a month, with Auto Club (AAA) close behind at $186.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.
Austin has a reputation for high prices, but car insurance isn’t one of them. For our benchmark driver, full coverage here costs about $530 a year less than in Houston and $424 less than in Dallas. What moves an Austin bill most is the company you pick: the same driver pays $977 a year more with the most expensive insurer in our data than with the cheapest.
The figures on this page come from insurers’ own rate filings, modeled by Quadrant Information Services for one driver across all 41 Austin ZIP codes. InsuranceQuotes is based in Austin, so this is our home market. Use the averages to see what’s normal, then compare quotes for your own car and address.
How Much Is Car Insurance in Austin, TX?
Full coverage in Austin averages $2,426 a year, or about $202 a month. A state-minimum policy averages $857 a year, about $71 a month. The Texas averages for the same driver are $2,513 and $848, so Austin is a little cheaper for full coverage and about the same for minimum coverage.
The wider Austin–Round Rock–San Marcos metro averages $2,404 for full coverage across 72 ZIP codes. Most suburbs are slightly cheaper than the city: Round Rock averages $2,323, Georgetown $2,324 and Cedar Park $2,338, while Pflugerville, at $2,414, is close to Austin’s own average.
- Full coverage: $2,426 a year ($202 a month)
- State minimum (30/60/25): $857 a year ($71 a month)
- Texas average: $2,513 full coverage, $848 minimum
- ZIP code range: $2,315 (78705) to $2,559 (78753) for full coverage
Cost data comes from insurers’ filed auto rates across the 41 Austin ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheap Car Insurance in Austin: Rates by Company
- Cheapest for full coverage: State Farm, at about $180 a month ($2,158 a year). Auto Club (AAA) is within 4%, at $186 a month.
- Cheapest for minimum coverage: State Farm again, at about $66 a month ($786 a year), followed by GEICO at $71.
- For military families: USAA averages $174 a month for full coverage and $49 for minimum coverage, the lowest in our data, but only members can buy it.
- Most expensive: Progressive, at about $261 a month for full coverage, $977 a year more than State Farm for the same driver.
This table uses Austin ZIP codes only, so it shows city pricing rather than statewide averages. Texas Farm Bureau may be cheaper still, but it’s sold only to Farm Bureau members. See how we calculated these rates.
| Insurance Provider: | State Minimum: | Monthly: | 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* | $496 | $41 | $1,319 | $110 |
| Allstate* | $1,578 | $132 | $4,195 | $350 |
| Farmers* | $2,535 | $211 | $6,129 | $511 |
Texas Farm Bureau Insurance can be one of the cheapest options in Austin if you’re willing to join the Farm Bureau. Membership is required, and published 2026 rate studies consistently rank it among the lowest-priced insurers in Texas.
Austin Car Insurance Rates by ZIP Code
Where you park your car in Austin changes the price, but less than you might expect. Across the city’s 41 ZIP codes, full coverage for our driver ranges from about $2,315 a year in 78705 (West Campus, next to UT) to $2,559 in 78753 in North Austin, a gap of $244 a year, or about $20 a month. East and Southeast Austin ZIP codes such as 78724, 78741 and 78744 sit at the higher end, and central and West Austin ZIP codes at the lower end.
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: | Full Coverage: | Monthly: | State Minimum: | Monthly: | vs. City Average: |
|---|---|---|---|---|---|
| 78701 | $2,359 | $197 | $824 | $69 | -3% |
| 78702 | $2,480 | $207 | $860 | $72 | +2% |
| 78703 | $2,346 | $196 | $825 | $69 | -3% |
| 78704 | $2,385 | $199 | $853 | $71 | -2% |
| 78705 | $2,315 | $193 | $818 | $68 | -5% |
| 78717 | $2,344 | $195 | $841 | $70 | -3% |
| 78721 | $2,491 | $208 | $873 | $73 | +3% |
| 78722 | $2,351 | $196 | $839 | $70 | -3% |
| 78723 | $2,500 | $208 | $868 | $72 | +3% |
| 78724 | $2,548 | $212 | $882 | $74 | +5% |
| 78725 | $2,533 | $211 | $874 | $73 | +4% |
| 78726 | $2,478 | $207 | $900 | $75 | +2% |
| 78727 | $2,440 | $203 | $877 | $73 | +1% |
| 78728 | $2,425 | $202 | $877 | $73 | About average |
| 78729 | $2,418 | $202 | $862 | $72 | About average |
| 78730 | $2,438 | $203 | $847 | $71 | About average |
| 78731 | $2,373 | $198 | $856 | $71 | -2% |
| 78732 | $2,398 | $200 | $861 | $72 | -1% |
| 78733 | $2,453 | $204 | $861 | $72 | +1% |
| 78734 | $2,433 | $203 | $841 | $70 | About average |
| 78735 | $2,381 | $198 | $840 | $70 | -2% |
| 78736 | $2,394 | $200 | $845 | $70 | -1% |
| 78737 | $2,427 | $202 | $807 | $67 | About average |
| 78738 | $2,407 | $201 | $850 | $71 | -1% |
| 78739 | $2,382 | $199 | $835 | $70 | -2% |
| 78741 | $2,545 | $212 | $888 | $74 | +5% |
| 78744 | $2,524 | $210 | $881 | $73 | +4% |
| 78745 | $2,392 | $199 | $861 | $72 | -1% |
| 78746 | $2,392 | $199 | $843 | $70 | -1% |
| 78747 | $2,532 | $211 | $869 | $72 | +4% |
| 78748 | $2,410 | $201 | $861 | $72 | -1% |
| 78749 | $2,331 | $194 | $838 | $70 | -4% |
| 78750 | $2,435 | $203 | $862 | $72 | About average |
| 78751 | $2,357 | $196 | $833 | $69 | -3% |
| 78752 | $2,451 | $204 | $865 | $72 | +1% |
| 78753 | $2,559 | $213 | $903 | $75 | +5% |
| 78754 | $2,510 | $209 | $888 | $74 | +3% |
| 78756 | $2,347 | $196 | $836 | $70 | -3% |
| 78757 | $2,361 | $197 | $850 | $71 | -3% |
| 78758 | $2,466 | $206 | $882 | $74 | +2% |
| 78759 | $2,361 | $197 | $850 | $71 | -3% |
How Much More Does Better Coverage Cost in Austin?
Stepping up from a state-minimum policy to full coverage adds about $1,569 a year in Austin, or roughly $131 a month. Most of that pays for comprehensive and collision coverage, which fix or replace your own car. Lenders require both if you have a car loan or lease.
Raising your liability limits costs much less. Moving from 50/100/50 to 100/300/100 liability, while keeping comprehensive and collision, adds only about $184 a year ($15 a month) in our Austin data. The Texas minimum of $30,000 per person rarely covers a serious injury, so higher limits are one of the cheapest ways to protect your savings.
How Austin Compares With Other Texas Cities
Among Texas’s largest cities, Austin has the lowest full-coverage average in our data. Houston averages $2,956, Dallas $2,850, San Antonio $2,612 and Fort Worth $2,525. A few other cities we cover come in lower, including Waco ($2,185) and El Paso ($2,372).
Austin’s weather is the main reason not to skimp on coverage. Central Texas sits in Flash Flood Alley, and spring hailstorms regularly hit the I-35 corridor. Only comprehensive coverage pays for flood and hail damage to your car, so a liability-only policy leaves you paying for those repairs yourself.
Every Texas city we price is in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
What Car Insurance Is Required in Austin?
Texas sets the rules for every driver in Austin. To register and drive a car, you need liability insurance of at least:
- $30,000 for injuries to one person
- $60,000 for injuries to everyone in one crash
- $25,000 for damage to other people’s property
That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.
Which Coverage Do Austin Drivers Need?
- Liability: pays for injuries and damage you cause to others. Texas requires 30/60/25, but 100/300/100 costs only a little more in Austin.
- Personal injury protection (PIP): pays medical bills and lost wages for you and your passengers, whoever caused the crash. It’s on your policy unless you reject it in writing.
- Uninsured/underinsured motorist: covers you when the other driver has no insurance or not enough. The Insurance Research Council estimates 14.5% of Texas drivers were uninsured in 2023.
- Collision: repairs your car after a crash, whoever is at fault. Required by lenders.
- Comprehensive: covers hail, flooding, theft, fire and falling objects. For Austin drivers who park outside, it’s the coverage that pays for storm damage.
How to Lower Your Car Insurance Rate in Austin
In Austin, your choice of insurer matters more than any single discount: the gap between the cheapest and most expensive company in our data is about $81 a month. Start there, then work through the rest:
- Get at least three quotes. Include State Farm and Auto Club (AAA), which have the lowest open-market averages here, plus a company that’s not in our data, such as Texas Farm Bureau.
- Check USAA if you qualify. Military members, veterans and their families get the lowest prices in our Austin data.
- Keep higher liability limits. They add only about $15 a month over 50/100/50 in Austin and protect you far better than the state minimum.
- Raise your deductible if you have savings. Moving from $500 to $1,000 on comprehensive and collision lowers the premium, but only do it if you can cover the higher amount after a hailstorm.
- Bundle with renters or homeowners insurance. Most insurers discount auto policies when you add another policy.
- Re-shop every renewal. Rates change each time insurers file new prices with the state, and your current insurer may not stay the cheapest.
- Want to save even more? Bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Austin home insurance rates.
Austin Car Insurance Rates by County
Full-coverage averages in the counties around Austin range from about $195 a month in Caldwell County to $203 in Travis County, across 72 ZIP codes we sample. The Texas average is $209. These figures use the same filed-rate data and benchmark driver as the rest of this page.
| County | ZIP Codes Sampled | State Minimum /mo | Full Coverage /mo | Full Coverage /yr |
|---|---|---|---|---|
| Bastrop County | 4 | $63 | $197 | $2,366 |
| Caldwell County | 3 | $63 | $195 | $2,340 |
| Hays County | 7 | $67 | $200 | $2,402 |
| Travis County | 44 | $71 | $203 | $2,433 |
| Williamson County | 14 | $69 | $195 | $2,338 |
| Texas average | 1019 | $71 | $209 | $2,513 |
More Austin Car Insurance Breakdowns
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.
Austin Car Insurance Costs by County and Vehicle Type
This breakdown shows how the type of car changes the price in each county in the Austin area. Across the 5 counties listed, 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 |
New Car Insurance Rates in Texas
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 |
Car Insurance Costs by Age in Texas
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 as drivers build a clean record.
| 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 |
How We Calculated Austin Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 656 quotes (328 full coverage and 328 state minimum) from 8 insurance companies, grouped into 5 brands, in 41 Austin ZIP codes.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
- Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new filed-rate data is released.
Austin Car Insurance FAQ
For our benchmark driver, full coverage in Austin averages about $202 a month ($2,426 a year) and state-minimum coverage about $71 a month ($857 a year), based on insurers’ filed rates as of August 31, 2026. That’s about 3% below the Texas full-coverage average of $209 a month.
State Farm has the lowest average among insurers anyone can buy from, at about $180 a month for full coverage and $66 for minimum coverage. Auto Club (AAA) is close behind for full coverage at $186. USAA is cheaper still, at $174 a month, but it’s only for military members, veterans and their families.
Yes. Full coverage averages $2,426 a year in Austin, compared with $2,956 in Houston and $2,850 in Dallas for the same driver. San Antonio averages $2,612.
In our data, 78705 (West Campus) has the lowest full-coverage average at about $2,315 a year, and 78753 in North Austin the highest at about $2,559. Most Austin ZIP codes fall within about $10 a month of the city average.
Texas requires liability coverage of at least $30,000 per person and $60,000 per crash for injuries, plus $25,000 for property damage (30/60/25). Insurers must also include PIP and uninsured/underinsured motorist coverage unless you reject them in writing.
Only if you have comprehensive coverage. A liability-only policy pays for damage you cause to others, not storm damage to your own car. Because Austin sees regular hail and flash flooding, comprehensive is worth carrying on any car you couldn’t afford to replace.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
