Car Insurance in Austin, TX
- Texas Farm Bureau offers the cheapest car insurance in Austin at $150/mo.
- Compare and save on auto insurance in or near Austin, TX with The Zebra.
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How much does car insurance cost in Austin?
Drivers in Austin can expect to pay an average of $1,242 ($207 per month).
The Texas state average for car insurance is about $1,241 every six months, so Austin comes in slightly below that, but the city's rates are higher than the national average of $1,084. Even though Austin's rates are lower than those in other Texas cities, 48% of our Austin customers feel they're paying too much for car insurance.Â
Car insurance quotes in Texas
Texas drivers in and near Austin saved money on car insurance recently using The Zebra:
This quote from National General helped a GMC Sonoma driver in Wichita Falls, TX cut their insurance costs.
Drivers in Lubbock, TX are getting smart deals on Saturn S-Series coverage from The General.
This quote from Root Insurance helped a Honda Pilot driver in Amarillo, TX cut their insurance costs.
Drivers in Durham, TX are getting smart deals on Toyota Prius coverage from Liberty Mutual.
Drivers in Kingsbury, TX are getting smart deals on Ford F-250 Super Duty coverage from GEICO.
This quote from Bristol West helped a Chevrolet Silverado 1500 driver in Galveston, TX cut their insurance costs.
Cheap liability and full coverage auto insurance in Austin
In 2026, Texas Farm Bureau offers Austin's lowest full coverage rates at $150 per month.Â
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 40% of Austin drivers carry only the state’s minimum required coverage, which is enough to stay legal, but it's unlikely to cover you in the event of a serious accident.
You can also add options like roadside assistance or uninsured motorist coverage, which do add a small cost but are worth a lot in terms of peace of mind. The Zebra’s experts say the decreased out-of-pocket costs later make them worth considering.
Source: The Zebra
"EVs in general are more expensive to repair. One example is the Rivian truck. There was a situation where about a quarter of it needed repairs, which cost around $40,000. This basically totaled the vehicle over something relatively minimal. With EVs, repairs tend to be more dealer-focused rather than something a local mom-and-pop shop can handle, just because of the technology. That alone makes them more expensive to fix.
So, if you have an accident in an EV, it’s more common for the vehicle to be totaled compared to a traditional gas-powered car. And for example, here in Texas (Austin especially), people often have more success in insuring their Tesla directly through Tesla instead of going through a standard carrier, at least for that specific vehicle."
-Erick Sosa, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Austin.
Are you paying too much for auto insurance?
Agency Hours in Austin, TX
Our friendly licensed agents help Austin, TX drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 7:00 AM - 11:00PM CT
- Saturday - Sunday: 9:00AM - 8:00PM CT
Car insurance rates after an accident in Austin
In Austin, an at-fault accident can raise your car insurance by $870 for a 6-month policy. State Farm and GEICO are both good options for the lowest rates after an accident.
Keeping a clean driving record is the best way to avoid these increases. Rates can go up significantly after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, but major violations like DUIs can affect your rates even longer.
Updating data...
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,292 | $0 |
| One comp claim | $1,358 | $65 |
| Speeding 16 - 20 MPH over limit | $1,521 | $229 |
| At-Fault Accident | $2,162 | $870 |
| Leaving scene of an accident/hit and run | $2,169 | $876 |
| DUI | $2,285 | $993 |
Source: The Zebra
Why is car insurance in Austin so expensive?
Austin drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: Premiums vary by ZIP code; areas with more theft or uninsured drivers.
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Weather: Hail, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
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Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
- Accident and claims rates: Austin consistently sees above-average crash numbers, raising insurer payouts.
Insurers determine Austin drivers' individual car insurance rates based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Local insights
Drivers near you in Austin weigh in
"Cars are getting more expensive to repair, and Texas is ranked the 22nd state for the highest number of uninsured drivers, and the Austin area population is still growing—insurance will always go up."
-Reddit user on r/Austin[1]
"Rate hikes have an awful lot to do with crime/vehicle theft and hit-and-run accidents all over Austin. This city is so bad at dealing with crime and it has a real impact on quality of life and living expenses. I have lived in Austin for about 10 years and it's gotten markedly worse in the past 5 years. I know more than 30 people personally who have had vehicles stolen from them in Austin."
-Reddit user on r/Austin[2]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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Austin car insurance FAQs:
How much is your Auto insurance rising without making claims? Reddit.com
Car insurance recommendations? Rates increasing massively. Reddit.com
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.