Who Has the Cheapest Car Insurance in Austin, Texas?

Texas Farm Bureau has the cheapest full coverage car insurance in Austin, at $91 per month.

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Best cheap car insurance companies in Austin, TX

How we chose the top companies

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28,928 quotes from 7 top companies
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50+ years helping drivers save

Cheapest car insurance in Austin: Texas Farm Bureau

Texas Farm Bureau has the best prices for full coverage car insurance in Austin, at $91 per month.

The average cost of full coverage in Austin is $184 per month, so Texas Farm Bureau is 50% cheaper.

You should also get quotes from State Farm for full coverage. State Farm is the second-cheapest full coverage insurance company in Austin, at $111 per month. State Farm is one of the largest and most dependable insurance companies in the U.S., too.

USAA is a great option for members of the armed forces and their families. Their customer service is excellent, and average rates are only $19 more per month than Texas Farm Bureau. But it's only available if you have served in the military, or a parent or spouse has had a USAA insurance policy at some point.

Cheapest car insurance companies in Austin, Texas.

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Cheapest full coverage car insurance in Austin

Company
Monthly rate
Texas Farm Bureau logo
Texas Farm Bureau$91
State Farm logo
State Farm$111
Geico logo
Geico$163
Allstate logo
Allstate$174
Progressive logo
Progressive$211
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*USAA is only available to current and former military members and their families.

Cheapest liability insurance quotes in Austin: Texas Farm Bureau

Texas Farm Bureau has the best rates for Austin drivers who want minimum coverage.

Texas Farm Bureau charges an average of $38 per month for liability-only coverage, which is 48% cheaper than the city average.

State Farm also has affordable rates for state minimum car insurance, at $47 per month — just $9 more.

Best cheap minimum-coverage car insurance rates

Company
Monthly rate
Texas Farm Bureau$38
State Farm$47
Progressive$59
Geico$69
Allstate$74
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*USAA is only available to current and former military members and their families.


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Cheapest car insurance for young drivers: Texas Farm Bureau

Texas Farm Bureau has the best prices by far for young drivers in Austin. Its average rate of $74 per month for minimum coverage is far less than the typical price across the city.

Even State Farm, the second-cheapest option, is more than twice as expensive. Texas Farm Bureau is also the cheapest option for full coverage, at $156 per month.

Company
Liability only
Full coverage
Texas Farm Bureau$74$156
State Farm$159$330
Geico$172$369
Allstate$246$559
Progressive$302$1,025
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*USAA is only available to current and former military members and their families.

The typical price of coverage for an 18-year-old in Austin is $242 for liability-only or $589 for full coverage.

Sharing a policy with a parent saves money

The best way for a teen driver to keep the price of auto insurance down is to stay on their parents' policy. Doing so can save you an average of 62% on your insurance bills.

Additionally, students can save money by qualifying for discounts, such as for good grades, taking a safety course, getting good grades, or an away-at-school discount, if it applies.


Cheapest car insurance for people who've gotten a speeding ticket: Texas Farm Bureau

Texas Farm Bureau is the cheapest choice for car insurance after a speeding ticket. The average price is $91 per month, meaning TX FB customers might not see any increase at all after a speeding ticket.

State Farm also might not raise rates after a ticket, with an average price of $111 per month.

Best Austin car insurance after a speeding ticket

Company
Monthly rate
Texas Farm Bureau$91
State Farm$111
Allstate$174
Geico$195
Progressive$280
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*USAA is only available to current and former military members and their families.

A speeding ticket in Austin increases the average cost of full coverage to $224 per month. That's about 22% higher than a driver with a clean record would pay.

Cheapest car insurance in Austin after causing a crash: State Farm

State Farm has the cheapest auto insurance for Austin drivers who were at fault in a crash. State Farm drivers will pay an average of $131 per month after one at-fault accident. That's 62% cheaper than the city average, and only $20 more per month than State Farm charges a driver without a recent crash.

Just one at-fault accident can raise the cost of insurance. Rates in Austin go up by 87%, on average, after an at-fault accident.

Cheapest auto insurance after an accident

Company
Monthly rate
State Farm$131
Texas Farm Bureau$149
Allstate$188
Geico$266
Progressive$333
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*USAA is only available to current and former military members and their families.

Cheapest insurance in Austin for teens with a ticket or accident: Texas Farm Bureau

Texas Farm Bureau has the most affordable car insurance for teens with a bad driving record in Austin.

After a speeding ticket, minimum coverage from Texas Farm Bureau costs $74 per month for an 18-year-old. That's $157 per month cheaper than the Austin average.

Texas Farm Bureau also has the cheapest rates for teens after an accident. Minimum coverage from Texas Farm Bureau costs just $106 per month after a crash, which is 71% cheaper than the city average.

Best cheap minimum coverage for teens with a bad record

Company
Ticket
Accident
Texas Farm Bureau$74$106
State Farm$159$180
Geico$193$254
Allstate$246$250
Progressive$307$312
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*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: State Farm

State Farm has the best prices for Austin car insurance after a DUI conviction, at $118 per month.

That's less than half the average across Austin. Citywide, the average price is $260 per month.

Some companies will deny drivers coverage all together after a DUI, so you may need to try multiple insurers before you can get a quote. Texas Farm Bureau and Allstate are both worth a look for rates that are cheaper than the Austin average.

Cheapest Austin car insurance after a DUI

Company
Monthly rate
State Farm$118
Texas Farm Bureau$177
Allstate$229
Progressive$247
Geico$298
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*USAA is only available to current and former military members and their families.

Don't switch insurance companies right after a DUI

While car insurance companies almost always increase rates after a DUI, you should wait until your next renewal to shop around. Your current company won't reassess your price until your current policy is up, so you'll still have the time between your incident and your renewal to pay the lower rate.

It's generally a good idea to start looking for car insurance about a month before your current policy expires, so you have enough time to find the best price.

Cheapest car insurance for drivers with poor credit: Allstate

Allstate has the best insurance rates for drivers with bad credit in Austin, at $174 per month. That's less than half the city average.

Across Austin, the typical price for car insurance with bad credit is $397 per month.

Cheapest Austin car insurance for poor credit

Company
Monthly rate
Allstate$174
Texas Farm Bureau$207
Progressive$363
Geico$428
Farmers$708
Show All Rows

*USAA is only available to current and former military members and their families.

While your credit score isn't tied to your driving ability, insurance companies have found that people with low credit scores are more likely to make a car insurance claim. As a result, people with bad credit almost always pay more for car insurance.


Average car insurance cost in Austin, by ZIP code

Residents of Austin ZIP code 78717, near the northern edge of the city, have the cheapest car insurance in Austin. The average price there is $166 per month.

Meanwhile, the most expensive car insurance is in 78799, located near downtown Austin. There, you'll pay an average of $237 per month for the same coverage.

ZIP
Monthly Rate
% from average
78617$1875%
78653$1822%
78701$174-3%
78702$1854%
78703$1780%
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Compare Rates

The price of car insurance changes based on where you live. Theft rates, road conditions and the value of your neighbors' cars can all impact how much you pay for insurance.

Methodology

This ValuePenguin study pulled thousands of quotes from nine of the largest insurance companies in Texas. Rates are for full coverage unless otherwise noted.

The quotes are for full coverage for a 30-year-old man who drives a 2015 Honda Civic EX and has an average credit score.

  • Bodily injury liability: $50,000 per person/$100,000 per accident
  • Personal injury protection: $10,000
  • Property damage liability: $25,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Comprehensive and collision: $500 deductible

Quadrant Information Services supplied the insurance rate data used in this analysis. Rates were publicly sourced from insurance company filings and should be used solely for comparative purposes. Your own quotes will likely differ based on your own driving history, credit score, age and gender.

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.