Cheap Car Insurance in Austin
Best cheap car insurance companies in Austin
Austin’s cheapest full-coverage car insurance: Texas Farm Bureau
USAA has the next-cheapest rate for full-coverage insurance Full coverage includes collision and comprehensive, which cover your car for most types of damage and theft. of $1,316 a year. However, USAA only sells insurance to members of the Armed Forces and their families. State Farm is the second-cheapest option for most Austin drivers at $1,331 a year.
State Farm offers several discounts that could make it the cheapest company for you. This includes a bundling discount that can save you up to $1,273 on your car and home insurance.
Full-coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Texas Farm Bureau | $1,097 |  |
 | State Farm | $1,331 |  |
 | Geico | $1,955 |  |
 | Allstate | $2,092 |  |
 | Progressive | $2,529 | |
 | Farmers | $5,177 | |
 | USAA* | $1,316 | |
*USAA only sells insurance to members of the military and their families.
Cheap liability auto insurance in Austin: Texas Farm Bureau
State Farm’s liability insurance Liability covers injuries and damage you cause to other people and their property. It’s required by law in almost every state. rates are 20% higher than Texas Farm Bureau’s, but it offers enough discounts that it could be your cheapest option if you qualify for a few.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $450 |
| State Farm | $561 |
| Progressive | $711 |
| Geico | $823 |
| Allstate | $891 |
| Farmers | $2,156 |
| USAA* | $500 |
Cheapest car insurance for teens in Austin: Texas Farm Bureau
State Farm is next cheapest for most Austin teens, with rates that average $1,911 a year for minimum coverage and $3,966 for full coverage.
Teens pay the highest prices for car insurance of all age groups, mostly because of their inexperience behind the wheel. If you’re the parent of a young driver, one of the best ways to get cheaper car insurance is to add them to your current policy. While this will raise your rate, it should still be cheaper than if you had your own policies.
Car insurance for teen drivers
| Company | Minimum | Full coverage |
|---|---|---|
| Texas Farm Bureau | $886 | $1,871 |
| State Farm | $1,911 | $3,966 |
| Geico | $2,062 | $4,430 |
| Allstate | $2,951 | $6,709 |
| Progressive | $3,623 | $12,305 |
| Farmers | $7,524 | $17,054 |
| USAA* | $1,331 | $3,133 |
Cheapest Austin car insurance after a ticket: Texas Farm Bureau
Drivers in Austin with a speeding ticket on their records get the most affordable car insurance with Texas Farm Bureau. Its rates average $1,097 a year, or $91 a month.
This is 59% cheaper than the $2,689 a year that the average Austin driver pays after a ticket. State Farm comes in second at $1,331 a year.
State Farm’s average rate is 21% higher than Texas Farm Bureau’s, meaning that discounts could make a difference in which company’s the cheaper choice for you.
Car insurance after a ticket
| Company | Annual rate |
|---|---|
| Texas Farm Bureau | $1,097 |
| State Farm | $1,331 |
| Allstate | $2,092 |
| Geico | $2,345 |
| Progressive | $3,363 |
| Farmers | $7,110 |
| USAA* | $1,486 |
Best cheap insurance in Austin after an accident: State Farm
For Austin drivers looking for cheap car insurance after an accident, State Farm has the lowest rate of $1,569 a year, or $131 a month. Texas Farm Bureau comes in second, at $1,785 a year.
Car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,569 |
| Texas Farm Bureau | $1,785 |
| Allstate | $2,258 |
| Geico | $3,197 |
| Progressive | $3,994 |
| Farmers | $14,208 |
| USAA* | $1,992 |
Cheap insurance for young drivers in Austin with bad driving records: Texas Farm Bureau
Teens with poor driving records in Austin get the cheapest rates with Texas Farm Bureau. Its rates average $886 a year after a ticket and $1,271 a year after an accident.
State Farm is next, with average rates of $1,911 a year after a ticket and $2,156 a year after an accident.
Cheapest rates for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Texas Farm Bureau | $886 | $1,271 |
| State Farm | $1,911 | $2,156 |
| Geico | $2,310 | $3,049 |
| Allstate | $2,951 | $2,994 |
| Progressive | $3,686 | $3,750 |
| Farmers | $8,968 | $15,246 |
| USAA* | $1,829 | $2,310 |
Austin’s cheapest auto insurance with a DUI: State Farm
State Farm has the cheapest DUI car insurance rate in Austin at $1,420 a year, or $118 a month. Texas Farm Bureau is the next-cheapest option at $2,124 a year.
After a DUI, Austin drivers can expect to pay an average of $3,126 a year for car insurance. This is 49% more than the national average of $2,101. A DUI drops off your driving record eventually in most states, but you’ll pay higher car insurance rates until then.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| State Farm | $1,420 |
| Texas Farm Bureau | $2,124 |
| Allstate | $2,751 |
| Progressive | $2,965 |
| Geico | $3,580 |
| Farmers | $6,525 |
| USAA* | $2,516 |
Cheap car insurance for Austin drivers with bad credit: Allstate
Drivers in Austin with poor credit can get the cheapest auto insurance from Allstate. The company’s rates for these drivers average $2,092 a year, or $174 a month. Texas Farm Bureau comes in second, at $2,484 a year.
One of the best ways to find cheaper car insurance with bad credit is to improve your credit score and take advantage of discounts available to you. If you can boost your credit score, over time, you should see lower rates.
Cheap car insurance with poor credit
| Company | Annual rate |
|---|---|
| Allstate | $2,092 |
| Texas Farm Bureau | $2,484 |
| Progressive | $4,359 |
| Geico | $5,139 |
| Farmers | $8,501 |
| State Farm | $8,755 |
| USAA* | $2,042 |
Best car insurance companies in Austin
Although Texas Farm Bureau has a better J.D. Power score than State Farm, both companies are well above average for customer satisfaction.
Austin’s best-rated car insurance companies
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Texas Farm Bureau | 686 | A- | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Austin car insurance rates by neighborhood
Austin residents living in the 78717 ZIP code pay the cheapest car insurance rates of around $1,992 a year. This is 26% cheaper than the city average.
Drivers in the 78799 ZIP code have the most expensive average rate of $2,846 a year. This is 5% more than the city average.
Car insurance rates near you
| ZIP code | Annual rate |
|---|---|
| 78617 | $2,244 |
| 78653 | $2,181 |
| 78701 | $2,088 |
| 78702 | $2,221 |
| 78703 | $2,138 |
| 78704 | $2,054 |
| 78705 | $2,078 |
| 78710 | $2,418 |
| 78712 | $2,129 |
| 78717 | $1,992 |
| 78719 | $2,186 |
| 78721 | $2,166 |
| 78722 | $2,044 |
| 78723 | $2,180 |
| 78724 | $2,233 |
| 78725 | $2,202 |
| 78726 | $2,177 |
| 78727 | $2,075 |
| 78728 | $2,030 |
| 78729 | $2,007 |
| 78730 | $2,114 |
| 78731 | $2,091 |
| 78732 | $2,091 |
| 78733 | $2,188 |
| 78734 | $2,114 |
| 78735 | $2,096 |
| 78736 | $2,165 |
| 78737 | $2,079 |
| 78738 | $2,195 |
| 78739 | $2,078 |
| 78741 | $2,228 |
| 78742 | $2,164 |
| 78744 | $2,229 |
| 78745 | $2,117 |
| 78746 | $2,171 |
| 78747 | $2,136 |
| 78748 | $2,080 |
| 78749 | $2,066 |
| 78750 | $2,026 |
| 78751 | $2,085 |
| 78752 | $2,114 |
| 78753 | $2,199 |
| 78754 | $2,155 |
| 78756 | $2,023 |
| 78757 | $2,018 |
| 78758 | $2,106 |
| 78759 | $2,039 |
| 78799 | $2,846 |
When calculating your car insurance quote, insurers look at several factors besides where you live. These include:
- Make and model of your car
- Age
- Driving history
All standard car insurance policies tend to be the same from company to company. Their rates differ, in part, because they differ in how they view your risk factors.
For example, one company may see your driving history as a bigger risk than another company and charge you a higher rate because of it. Compare quotes using the same policy limits for each company to get the most accurate look at who is the cheapest for your needs.
Austin minimum car insurance requirements
Austin drivers are required by law to have at least the state-minimum car insurance limits of 30/60/25. This means:
- $30,000 of bodily injury liability coverage for one person
- $60,000 of bodily injury liability coverage for two or more people
- $25,000 of property damage liability coverage
Bodily injury coverage handles medical bills for others you injure in a car accident. Property damage liability takes care of repair or replacement costs for non-injury expenses tied to an accident.