Summary: Austin drivers pay some of the highest car insurance rates in Texas, averaging $98–$128 per month for full coverage and $49–$70 for minimum liability. Traffic, population growth, uninsured drivers, and severe weather all raise costs. Comparing multiple carriers with Freedom Insurance Group helps Austin drivers find better coverage for less. Estimated Read Time: 4 mins

Table of Contents

  1. How Much is Car Insurance in Austin, TX?
  2. Austin Car Insurance Averages (What People Actually Pay)
  3. Why Is Auto Insurance in Austin Going Up?
  4. How Drivers in Austin Can Save on Auto Coverage
  5. Car Insurance in Austin: The Bottom Line

If you’re looking for the best car insurance quotes in Austin, you aren’t alone. Drivers face elevated rates in the capital of Texas, and often have to deal with getting the runaround from carriers when shopping for rates. We’re here to fix that. Our clear, data-driven guide easily breaks down what coverage really costs for drivers in the Live Music Capital of the World, why these rates are rising, what you can do about it, and how to find the right protection at the lowest cost.

How Much is Car Insurance in Austin, TX?

Most drivers pay between $98–$128/mo for full coverage and $49–$70/mo for state-minimum liability coverage. But remember, how much you pay for car insurance in Austin, TX, is going to depend on personal factors, such as your age, driving record, vehicle, ZIP, the amount of coverage you have, your carrier, etc.

Texas Minimums (30/60/25)

You must carry at least the following limits set by state law when signing up for car insurance in Texas: $30,000 bodily injury per person / $60,000 per accident / $25,000 property damage.

However, in Austin, we strongly recommend 100/300/100 or higher, due to increased risks.

Remember always to compare regional carriers with national options if you want to maximize your savings. Sometimes, the local carrier can provide savings, but they can also be sensitive to the elevated risks Austin drivers face. Again, comparing is the best option.

Austin Car Insurance Averages (What People Actually Pay)

Below are actual average monthly premiums from Austin quotes and policies, which you can use as a benchmark when shopping.

Average Monthly Auto Insurance by Age

Age Range Avg. Premium
Under 18 $211
18–24 $92
25–34 $56
35–44 $51
45–54 $50
55–64 $48
65+ $46

Average Monthly Auto Insurance by Vehicle Age

Vehicle Age Avg. Monthly Premium
< 1 year $62
2–3 years $59
4–5 years $57
6–7 years $58
8–10 years $60
11–14 years $61
15+ years $59

Average Monthly Auto Insurance by Carrier

Rank Company Avg. Monthly Rate
1 Progressive $98
2 Allstate $103
3 Bristol West $108
4 Travelers $111
5 Kemper $114
6 Safeco $128
7 Infinity $145
8 Gainsco $169
9 Others $172+

Average Monthly Auto Insurance by Relationship Status

Relationship Avg. Monthly Premium
Single (never married) $64
Married $53
Divorced $51
Widowed $49

Average Monthly Auto Insurance by Driving Record

Infractions Avg. Monthly Premium
1 accident $89
Multiple accidents $92
1 ticket $71
Multiple tickets $118

Why Is Auto Insurance in Austin Going Up?

TL;DR: More people, more miles driven, and higher claim severity are combining to make less than favorable rates for many drivers in Austin:

  • Population & Traffic: Austin was one of America’s fastest-growing cities and is still growing. More density = more collisions, theft, and vandalism exposure.
  • Speed Environment: TX highways (hello, SH-130) have some of the highest posted speeds in the U.S., raising loss severity state-wide.
  • Uninsured Drivers: About 1 in 6 Texas drivers lacks liability insurance—your policy needs to account for that.
  • Commutes: I-35 is… well, I-35. Longer drive times boost exposure, and insurers price for that.
  • Severe Weather: “Flash Flood Alley,” hail, wind—comprehensive coverage matters here.
  • Personal Factors: Credit, prior claims, vehicle type, and garaging ZIP can swing rates around 30% or more between carriers.

Is Austin More Affordable Than Other Texas Metros?

While it depends, Austin pays lower than many drivers in metros like Houston and Dallas-Fort Worth, but the rates are still generally higher than many smaller Texas communities.

Remember, your ZIP code and the type of garage you have will matter. Along with living in areas featuring lower theft and fewer crashes, you can score noticeably better rates.

If you’re moving neighborhoods or going from one section of the city to another, like downtown to a suburb, always seek out a new quote, as you might save without changing cars or coverage.

How Drivers in Austin Can Save on Auto Coverage

You don’t need gimmicks, just the right approach. Here are a few ways you can save on your monthly premium:

High-Impact Discounts (What to Ask For)

  • Bundle & Save: Auto + home/renters can stack double-digit savings (often 10–20% overall).
  • Usage-Based Programs: Progressive Snapshot (typical savings up to ~30% potential), Safeco RightTrack (up to ~30%), Allstate Drivewise, Travelers IntelliDrive.
  • Good Driver/Good Student: Clean records and a B-average or better help—especially for households with young drivers.
  • Continuous Insurance: No lapses = lower risk = better pricing.
  • Billing Choices: Pay-in-full, auto-pay, and paperless can shave a few extra percent.

3-Step Premium Checklist

  1. Shop Multiple Quotes: Both regional and national carriers, every 6–12 months through at least three brands.
  2. Right-Size Coverage: If your car is 10+ years old and paid off, consider whether collision/comprehensive is still a good idea.
  3. Improve Your Odds: Tune up your credit, take part in an annual mileage verification, and enroll in telematics programs.

Car Insurance in Austin: The Bottom Line

The right car insurance in Austin goes beyond state minimums. A solid plan includes 100/300/100 liability, comprehensive for hail and flood, collision for newer cars, and UM/UIM to protect against uninsured drivers. Extras like rental reimbursement, roadside, and gap coverage add peace of mind.

Most drivers pay around $98–$128 a month for full coverage, but rates vary. That’s why comparing multiple carriers matters.

Freedom Insurance Group shops 25+ top-rated insurers to get you the right coverage at the best price. Get your free auto insurance quote for Austin drivers today.

Source:

TDI. Accessed October 2025.