Cheap Car Insurance in Austin

Austin’s cheapest full-coverage car insurance: Texas Farm Bureau

Texas Farm Bureau has the cheapest full-coverage car insurance for most drivers in Austin at $1,097 a year, or $91 a month. This is 50% cheaper than the city average of $2,214 a year.

USAA has the next-cheapest rate for full-coverage insurance 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

Cheap liability auto insurance in Austin: Texas Farm Bureau

Austin drivers get the lowest rate for liability car insurance with Texas Farm Bureau at $450 a year, or $38 a month. State Farm has the second-cheapest rate of $561 a month.

State Farm’s liability insurance 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

Cheapest car insurance for teens in Austin: Texas Farm Bureau

At $886 a year, Texas Farm Bureau offers the cheapest car insurance for young drivers in Austin who want liability-only car insurance. It also has the cheapest full-coverage insurance for teens at $1,871 a year.

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

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

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

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

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

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

Best car insurance companies in Austin

Texas Farm Bureau is the best auto insurance company for Austin drivers. It offers the lowest average rates for most drivers in the city, has the best customer satisfaction rating and is well established in the state. State Farm is the next-best option in terms of cost and customer satisfaction.

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++

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

When calculating your car insurance quote, insurers look at several factors besides where you live. These include:

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:

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.