Austin, TX Car Insurance Quotes & Rates (2026): $239/mo Avg

For a 40-year-old driver with a clean record, Austin car insurance averages about $239 a month ($2,862 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% below the Texas average of $248 a month. State Farm has the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $180 a month.

$239 Average full coverage $2,862 a year for our benchmark driver

−4% vs. Texas average TX average: $248 a month

$180 State Farm, lowest among 5 major insurers $6 a month below Auto Club (AAA)

+0.8% Recent price change Past 9 months, same insurers and ZIP codes

Austin is a little cheaper than the Texas average for our benchmark driver, and about $48 a month less than Houston and $49 less than Dallas. State Farm has the lowest average among insurers anyone can buy from, with Auto Club (AAA) close behind.

Our data covers 41 ZIP codes with an Austin mailing address, from about $229 a month in 78739 to $252 in 78741.

_{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 Oct. 7, 2026.

How Much Is Car Insurance in Austin, TX?

Full coverage in Austin averages $2,862 a year, or about $239 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $991 a year ($83 a month), and 50/100/50 liability with comprehensive and collision averages $2,643 ($220 a month).

Full coverage (100/300/100, $500 deductibles): $2,862 a year ($239 a month)
50/100/50 with $500 deductibles: $2,643 a year ($220 a month)
Liability only (30/60/25): $991 a year ($83 a month)
Without Allstate: $2,426 a year ($202 a month) for full coverage
Travis County: $2,868 a year ($239 a month) for full coverage
Texas average: $2,972 a year ($248 a month) for full coverage
ZIP code range: $229 (78739) to $252 (78741) a month for full coverage

Allstate is far more expensive than the other insurers here: its full-coverage average of about $420 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Austin average would be about $202 a month.

Cheap Car Insurance in Austin: Companies Compared

Lowest average among the five major insurers we compared, full coverage: State Farm, at about $180 a month ($2,158 a year).
Next lowest any driver can buy: Auto Club (AAA), at about $186 a month, then GEICO at $210.
Military families: USAA averages about $174 a month, but only for eligible members.
Lowest liability-only average among these five insurers (30/60/25): State Farm, at about $66 a month, then GEICO at $71. USAA, which sells only to military families, is lower still, at about $49 a month.
Also on our list: Texas Farm Bureau at about $113 a month and Farmers at $375.
Most expensive in our data: Allstate, at about $420 a month, $2,885 a year more than State Farm for the same driver and car.

State Farm has the lowest full-coverage average among the insurers in our Austin rate data that are among insurers anyone can buy from. USAA averages even less, at $174 a month, but it sells only to military members, veterans and their families. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $66 a month, with GEICO close behind at $71. USAA comes in even lower, at about $49 a month, but it sells only to military families.

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.

USAA (military families)

$174/mo

State Farm

$180/mo

Auto Club (AAA)

$186/mo

GEICO

$210/mo

Progressive

$261/mo

Allstate

$420/mo

Lowest average among 5 major insurers Other insurers in our data Austin average: $239/mo

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
Allstate	$1,661	$138	$5,043	$420
Texas Farm Bureau*	$543	$45	$1,361	$113
Farmers*	$1,377	$115	$4,496	$375
Austin average	$991	$83	$2,862	$239

This table uses Austin ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

Austin Car Insurance Rates by ZIP Code

Across the 41 Austin ZIP codes we price, full coverage for our driver ranges from about $229 a month in 78739 to $252 in 78741, a gap of $268 a year. West and southwest Austin ZIP codes such as 78739 and 78703 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

78739 $229/mo · −4% vs. city avg.

78703 $230/mo · −4% vs. city avg.

78732 $230/mo · −4% vs. city avg.

78717 $230/mo · −4% vs. city avg.

Highest-priced Austin ZIP codes

78741 $252/mo · +5% vs. city avg.

78753 $250/mo · +5% vs. city avg.

78724 $250/mo · +5% vs. city avg.

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	$995	$83	$2,869	$239	About average
78702	$1,022	$85	$2,965	$247	+3%
78703	$951	$79	$2,757	$230	-4%
78704	$974	$81	$2,814	$235	-2%
78705	$1,001	$83	$2,833	$236	-1%
78717	$965	$80	$2,760	$230	-4%
78721	$1,035	$86	$2,973	$248	+4%
78722	$1,010	$84	$2,868	$239	About average
78723	$1,031	$86	$2,980	$248	+4%
78724	$1,038	$87	$2,999	$250	+5%
78725	$1,032	$86	$2,981	$248	+4%
78726	$1,014	$85	$2,897	$241	+1%
78727	$995	$83	$2,840	$237	-1%
78728	$995	$83	$2,847	$237	-1%
78729	$1,007	$84	$2,856	$238	About average
78730	$929	$77	$2,791	$233	-3%
78731	$977	$81	$2,779	$232	-3%
78732	$941	$78	$2,758	$230	-4%
78733	$941	$78	$2,803	$234	-2%
78734	$924	$77	$2,792	$233	-3%
78735	$989	$82	$2,855	$238	About average
78736	$965	$80	$2,818	$235	-2%
78737	$896	$75	$2,799	$233	-3%
78738	$932	$78	$2,770	$231	-3%
78739	$919	$77	$2,750	$229	-4%
78741	$1,047	$87	$3,018	$252	+5%
78744	$1,033	$86	$2,984	$249	+4%
78745	$981	$82	$2,825	$235	-2%
78746	$966	$81	$2,819	$235	-2%
78747	$1,019	$85	$2,973	$248	+4%
78748	$1,001	$83	$2,857	$238	About average
78749	$988	$82	$2,813	$234	-2%
78750	$1,007	$84	$2,870	$239	About average
78751	$993	$83	$2,835	$236	-1%
78752	$1,026	$86	$2,923	$244	+2%
78753	$1,053	$88	$3,004	$250	+5%
78754	$1,048	$87	$2,986	$249	+4%
78756	$1,008	$84	$2,826	$236	-1%
78757	$972	$81	$2,775	$231	-3%
78758	$1,034	$86	$2,919	$243	+2%
78759	$972	$81	$2,775	$231	-3%

Your ZIP code matters

How Much More Does Better Coverage Cost in Austin?

Raising liability limits from 50/100/50 to 100/300/100 adds about $219 a year on average in our Austin data, with the same $500 deductibles. That’s about $18 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.

Is Car Insurance Going Up in Austin?

Slightly, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Austin ZIP codes, their full-coverage average rose from $2,407 a year nine months earlier to $2,426 in rates 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. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Austin average above. Liability-only coverage at 30/60/25 limits fell 0.9%, led by USAA, which cut its liability-only average 16.4%.

What Shapes Car Insurance Costs in Austin?

Travis County averages about $239 a month for full coverage in our data, and the suburban counties around it cost a little less: Williamson County averages $230, Hays County $235 and Bastrop County $235.

North of the city, Round Rock and Cedar Park each average about $230 a month, and Georgetown averages $229. The Texas Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.

How Austin Car Insurance Compares With Other Texas Cities

San Antonio $255/mo full coverage $16/mo more than Austin Lowest averages among 5 major insurers: State Farm and Auto Club (AAA) (tied) Waco $221/mo full coverage $18/mo less than Austin Lowest average among 5 major insurers: Auto Club (AAA) Houston $287/mo full coverage $48/mo more than Austin Lowest average among 5 major insurers: State Farm Corpus Christi $229/mo full coverage $10/mo less than Austin Lowest average among 5 major insurers: State Farm Dallas–Fort Worth $254/mo full coverage $15/mo more than Austin Lowest averages among 5 major insurers: State Farm and Auto Club (AAA) (tied) Dallas $288/mo full coverage $49/mo more than Austin Lowest averages among 5 major insurers: State Farm and Auto Club (AAA) (tied)

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 $255 a month, and Waco, about 95 miles north, $221. Houston averages $287.

What Car Insurance Is Required in Austin?

Drivers in Austin follow Texas’ rules. Every policy must include at least:

Bodily injury liability of $30,000 per person and $60,000 per crash
Property damage liability of $25,000 per crash

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.

How to Lower Your Car Insurance Rate in Austin

Compare State Farm and Auto Club (AAA) first. They have the two lowest full-coverage averages among the five major insurers we compared in Austin, about $180 and $186 a month.
Quote several insurers. Among the five major insurers we compared in Austin, the lowest and highest averages are about $240 a month apart for the same driver and car.
Keep comprehensive if you park outside. Comprehensive is the coverage that pays for hail damage and flood damage to your car, so raising your deductible is a safer way to save than dropping it.
Compare at every renewal. Over the past nine months, Progressive has cut its Austin average 1.4%, while USAA has raised its average 3.4% and GEICO 3.1%, so the order in our table can shift.
Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Austin, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Ready to compare

How We Calculated Austin Car Insurance Rates

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.

Sample: 246 full-coverage premiums from six insurers across 41 Austin ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Texas’ 30/60/25 minimum, with 30/60 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
Calculation: for each insurer 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 insurer-and-ZIP price, including USAA and Allstate. We also show the average without Allstate, whose prices are far above the other insurers’, so you can see how much it moves the number. Monthly figures are annual premiums divided by 12 and rounded.
Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Allstate is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
Insurers marked *: priced from published 2026 Texas rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.

Austin Car Insurance Rates by County

Across the five counties in the Austin area and 72 ZIP codes we price there, full coverage runs from about $230 a month in Williamson County to $239 in Travis County. The Texas average is $248. 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	$991	$83	$2,868	$239
Bastrop County	4	$909	$76	$2,821	$235
Caldwell County	3	$915	$76	$2,818	$235
Hays County	7	$928	$77	$2,816	$235
Williamson County	14	$951	$79	$2,760	$230
Texas average	1019	$990	$83	$2,972	$248

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 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

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.

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

Austin Car Insurance FAQ

How much is car insurance in Austin, TX, per month?

For our benchmark driver, full coverage in Austin averages about $239 a month ($2,862 a year) and liability-only coverage about $83 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% below the Texas average of $248 a month. Without Allstate, the Austin average is about $202 a month.

Who has the cheapest car insurance in Austin?

State Farm has the lowest full-coverage average among insurers anyone can buy from 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). For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, 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.

Is car insurance cheaper in Austin or Round Rock?

Round Rock, for our benchmark driver. Round Rock full coverage averages about $230 a month and Austin about $239, a difference of about $9 a month for the same driver and car.

Which Austin ZIP codes have the cheapest car insurance?

In our data, 78739 has the lowest full-coverage average in Austin, at about $229 a month, and 78741 the highest, at about $252. The ZIP code table on this page lists all 41.

How much more is full coverage than liability-only coverage in Austin?

In our Austin data, full coverage (100/300/100 with $500 deductibles) averages about $239 a month and liability-only coverage at 30/60/25 limits about $83, a difference of about $156 a month ($1,871 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.

Is car insurance going up in Austin?

Slightly, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Austin full-coverage average rose 0.8%, from about $2,407 to $2,426 a year. That’s lower than the Austin average of $2,862 because it leaves out Allstate. 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%.

Is car insurance cheaper in Austin than in nearby cities?

For our benchmark driver, full coverage in Austin averages about $239 a month. Nearby, San Antonio averages about $255, Waco about $221 and Houston about $287. Waco is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.

Austin, TX Car Insurance Quotes & Rates (2026)