The Cheapest Auto Insurance Companies in Austin, Texas in 2026
Austin’s cheapest auto insurance company is State Farm, with an average monthly rate of $58.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
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Key Takeaways
State Farm is the cheapest car insurance company in Austin, averaging $58 per month.
The average liability insurance rate in Austin is $127 per month, while full coverage costs an average of $215 per month.
GEICO, Nationwide, and State Farm are our top picks for Austin car insurance.
Cheapest Car Insurance in Austin by Driver and Coverage Type
Car insurance rates in Austin vary widely depending on factors such as your age, driving history, vehicle type, and the coverage you choose. Knowing average rates for drivers with a similar profile to yours can help you set realistic expectations when comparing quotes.
The table below shows the cheapest insurer in Austin for different driver and coverage types, based on Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DWI | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Overall Cheapest Car Insurance in Austin
Everything’s bigger in Texas, but that doesn’t mean you need to overpay for car insurance. Comparing quotes from insurance companies known for affordable rates can help you get the coverage you need at the best price.
Check out the table below for the cheapest car insurance companies in Austin, according to Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $58 |
| Allstate | $81 |
| Mile Auto | $83 |
| Progressive | $84 |
| GEICO | $92 |
| USAA | $103 |
| Mercury | $113 |
| First Acceptance | $115 |
| The General | $118 |
| Alinsco | $121 |
| Lone Star | $123 |
| Commonwealth Casualty | $129 |
| GAINSCO | $129 |
| Nationwide | $130 |
| Clearcover | $132 |
| Bristol West | $133 |
| Dairyland | $134 |
| Covercube | $135 |
| Root | $135 |
| Mendota | $139 |
| AssuranceAmerica | $141 |
| Excepsure | $143 |
| Sun Coast | $144 |
| Safeco | $146 |
| Direct Auto | $150 |
| National General | $153 |
| Loop | $155 |
| Elephant | $159 |
| Chubb | $175 |
| Trexis One | $180 |
| 21st Century | $202 |
| Hugo | $205 |
| Insurify Car | $205 |
| Liberty Mutual | $241 |
| Foremost | $280 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 3 at 5:00 PM PDT.
Estimated Cost: $186 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.3% |
| $115 | 7.0% |
| $134 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.9% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1296 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in Austin: State Farm
State-minimum coverage is enough to satisfy Texas law. It pays for injuries and property damage you cause to others, but doesn’t cover your medical costs or vehicle damage. The average monthly rate for minimum coverage in Austin is $127.
Minimum liability coverage may be enough if you don’t have many assets, if you have an older car that’s paid off, or if you can easily afford to repair or replace your vehicle and cover your medical bills.
The table below shows the cheapest liability-only insurers in Austin, according to Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $58 |
| Allstate | $81 |
| Mile Auto | $83 |
| Progressive | $84 |
| GEICO | $92 |
| USAA | $103 |
| Mercury | $113 |
| First Acceptance | $115 |
| The General | $118 |
| Alinsco | $121 |
| Lone Star | $123 |
| Commonwealth Casualty | $129 |
| GAINSCO | $129 |
| Nationwide | $130 |
| Clearcover | $132 |
| Bristol West | $133 |
| Dairyland | $134 |
| Covercube | $135 |
| Root | $135 |
| Mendota | $139 |
| AssuranceAmerica | $141 |
| Excepsure | $143 |
| Sun Coast | $144 |
| Safeco | $146 |
| Direct Auto | $150 |
| National General | $153 |
| Loop | $155 |
| Elephant | $159 |
| Chubb | $175 |
| Trexis One | $180 |
| 21st Century | $202 |
| Hugo | $205 |
| Insurify Car | $205 |
| Liberty Mutual | $241 |
| Foremost | $280 |
How much car insurance is required in Austin?
Just like nearly every state, Texas requires drivers to have auto insurance. The minimum liability limit requirements in the Lone Star State are:[1]
$30,000 for bodily injury liability per person
$60,000 bodily injury liability per accident
$25,0000 for property damage liability per accident
Insurers must include personal injury protection (PIP) and uninsured motorist coverage in your auto policy, but you can decline either coverage, or both, in writing. PIP covers your medical expenses and lost wages. Uninsured/underinsured motorist coverage helps cover your damages if someone who has no liability insurance or not enough to cover your costs hits you.
Close to 15% of drivers in Texas don’t have car insurance, so it may be worth keeping uninsured motorist coverage.[2] Consider PIP if you don’t have health insurance or have a high deductible health plan.
Cheapest Full-Coverage Car Insurance in Austin: State Farm
Full-coverage car insurance usually refers to a policy that includes collision and comprehensive coverage in addition to liability insurance. While it’s not an official policy, full coverage helps pay for damage to your car in most accidents, regardless of fault, or if you have an auto loan or lease on your vehicle.
Full coverage is best if you have a new car that you finance or lease, or if you can’t afford to pay for repairs or replacement after an accident.
In Austin, full-coverage insurance costs an average of $215 per month. The chart below highlights the cheapest auto insurers in Austin for full coverage, based on Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $114 |
| Progressive | $147 |
| Allstate | $161 |
| Mile Auto | $182 |
| Mercury | $184 |
| GEICO | $197 |
| USAA | $202 |
| Safeco | $218 |
| Root | $223 |
| Clearcover | $230 |
| Direct Auto | $238 |
| Alinsco | $241 |
| Elephant | $245 |
| GAINSCO | $250 |
| Nationwide | $255 |
| National General | $257 |
| Bristol West | $259 |
| The General | $263 |
| AssuranceAmerica | $269 |
| Mendota | $270 |
| Sun Coast | $285 |
| Commonwealth Casualty | $286 |
| First Acceptance | $288 |
| Loop | $291 |
| Lone Star | $292 |
| Covercube | $309 |
| Dairyland | $323 |
| Chubb | $344 |
| Liberty Mutual | $352 |
| Trexis One | $366 |
| 21st Century | $398 |
| Foremost | $579 |
Cheapest Car Insurance for Teen Drivers: State Farm
Teens have the highest rate of vehicle crashes and deaths of any age group, making them the most expensive to insure.[3] The average rate for teen drivers in Austin is $334 per month, according to our research.
But even with a young driver on your policy, you’re not necessarily stuck with paying sky-high insurance premiums. Consider getting insurance quotes from one or more of the insurers in the chart below. These companies offer the cheapest average teen car insurance rates in Austin, according to Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates for Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $117 |
| Progressive | $164 |
| Allstate | $166 |
| GEICO | $173 |
| Mile Auto | $176 |
| USAA | $198 |
| Root | $213 |
| Mercury | $215 |
| The General | $221 |
| First Acceptance | $225 |
| Clearcover | $226 |
| Alinsco | $237 |
| GAINSCO | $238 |
| Lone Star | $241 |
| Dairyland | $243 |
| Bristol West | $245 |
| Commonwealth Casualty | $251 |
| Nationwide | $263 |
| Covercube | $264 |
| Mendota | $272 |
| Excepsure | $280 |
| Sun Coast | $282 |
| Elephant | $295 |
| AssuranceAmerica | $302 |
| Direct Auto | $302 |
| Loop | $303 |
| Safeco | $307 |
| National General | $316 |
| Trexis One | $352 |
| Chubb | $372 |
| 21st Century | $377 |
| Hugo | $392 |
| Insurify Car | $401 |
| Liberty Mutual | $439 |
Compare Real-Time Car Insurance Quotes in Austin, Texas
Rates in Austin start at $56 per month.
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4.7 out of 5 based on 691 reviews
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Cheapest Car Insurance for Senior Drivers: State Farm
Seniors pay the lowest average costs for car insurance coverage of any age group, thanks to years of experience and safe driving habits that lead to fewer claims than younger drivers. In Austin, senior drivers pay an average of $145 per month for auto coverage, based on our research.
But you can usually find an even better deal with the right insurance company. Let’s take a look at the chart below to see Austin’s cheapest car insurance companies for senior drivers, according to Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $45 |
| Mile Auto | $65 |
| Allstate | $65 |
| Progressive | $71 |
| GEICO | $72 |
| USAA | $83 |
| Mercury | $89 |
| First Acceptance | $98 |
| Nationwide | $99 |
| The General | $100 |
| Alinsco | $103 |
| Commonwealth Casualty | $103 |
| Lone Star | $105 |
| AssuranceAmerica | $110 |
| GAINSCO | $110 |
| Bristol West | $110 |
| Dairyland | $113 |
| Covercube | $115 |
| Clearcover | $116 |
| Mendota | $118 |
| National General | $119 |
| Excepsure | $122 |
| Direct Auto | $122 |
| Sun Coast | $122 |
| Root | $123 |
| Safeco | $126 |
| Elephant | $129 |
| Chubb | $131 |
| Loop | $132 |
| Trexis One | $153 |
| 21st Century | $157 |
| Insurify Car | $174 |
| Hugo | $176 |
| Liberty Mutual | $199 |
The Cheapest Car Insurance for Drivers by Driving Record
Having a ticket, driving under the influence (DWI) conviction, or an at-fault accident on your record will usually raise your rates at your next auto policy renewal because it means you’re more likely to file future claims.
Check out the chart below to see the cheapest insurers for Austin drivers with a recent ticket, at-fault accident, or DWI, according to Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $74 |
| Mile Auto | $101 |
| Progressive | $105 |
| Allstate | $105 |
| GEICO | $121 |
| USAA | $133 |
| First Acceptance | $144 |
| Alinsco | $152 |
| Commonwealth Casualty | $154 |
| Lone Star | $154 |
| GAINSCO | $155 |
| Mercury | $156 |
| The General | $158 |
| Root | $161 |
| Dairyland | $167 |
| Bristol West | $168 |
| Clearcover | $168 |
| Nationwide | $169 |
| Covercube | $169 |
| Mendota | $174 |
| Excepsure | $179 |
| AssuranceAmerica | $180 |
| Sun Coast | $180 |
| Direct Auto | $188 |
| National General | $191 |
| Elephant | $191 |
| Safeco | $192 |
| Loop | $194 |
| Chubb | $223 |
| Trexis One | $226 |
| Insurify Car | $257 |
| Hugo | $261 |
| 21st Century | $266 |
| Liberty Mutual | $307 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 3 at 5:00 PM PDT.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $77 |
| Allstate | $109 |
| Progressive | $112 |
| Mile Auto | $112 |
| GEICO | $122 |
| USAA | $139 |
| First Acceptance | $153 |
| Alinsco | $161 |
| The General | $163 |
| Lone Star | $164 |
| GAINSCO | $166 |
| Mercury | $170 |
| Root | $170 |
| Commonwealth Casualty | $171 |
| Nationwide | $176 |
| Bristol West | $176 |
| Dairyland | $178 |
| Covercube | $180 |
| Mendota | $185 |
| AssuranceAmerica | $188 |
| Clearcover | $189 |
| Excepsure | $190 |
| Sun Coast | $192 |
| Safeco | $204 |
| National General | $205 |
| Direct Auto | $205 |
| Loop | $206 |
| Elephant | $209 |
| Chubb | $234 |
| Trexis One | $240 |
| Insurify Car | $273 |
| Hugo | $273 |
| 21st Century | $276 |
| Liberty Mutual | $321 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 3 at 5:00 PM PDT.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $82 |
| Allstate | $114 |
| Progressive | $116 |
| Mile Auto | $117 |
| GEICO | $129 |
| USAA | $145 |
| First Acceptance | $159 |
| The General | $161 |
| Alinsco | $167 |
| Lone Star | $170 |
| Mercury | $170 |
| Commonwealth Casualty | $177 |
| Clearcover | $178 |
| GAINSCO | $182 |
| Nationwide | $183 |
| Covercube | $186 |
| Bristol West | $188 |
| Dairyland | $189 |
| Root | $190 |
| Mendota | $192 |
| Excepsure | $197 |
| Sun Coast | $199 |
| AssuranceAmerica | $199 |
| Direct Auto | $212 |
| Loop | $214 |
| National General | $216 |
| Safeco | $219 |
| Elephant | $224 |
| Chubb | $247 |
| Trexis One | $249 |
| 21st Century | $275 |
| Insurify Car | $283 |
| Hugo | $289 |
| Liberty Mutual | $340 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 3 at 5:00 PM PDT.
Cheapest Car Insurance for Drivers by Credit
Many insurers consider your credit when determining car insurance rates because studies show that credit history correlates with claim filing. Drivers with stronger credit are statistically less likely to file claims than drivers with poor credit.[4]
In Austin, drivers with excellent credit pay an average of $153 per month. The average rate for drivers with poor credit is $214 per month. But not all companies weigh credit the same, and some insurers don’t consider credit at all. Shopping around can lead to cheap rates even if your credit isn’t perfect.
We break down the cheapest insurers in Austin for drivers with excellent and poor credit in the chart below, based on Compare.com data.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $49 |
| Allstate | $71 |
| Mile Auto | $71 |
| Progressive | $75 |
| GEICO | $77 |
| USAA | $91 |
| Mercury | $97 |
| First Acceptance | $103 |
| The General | $104 |
| Alinsco | $108 |
| Lone Star | $110 |
| Commonwealth Casualty | $114 |
| GAINSCO | $114 |
| Nationwide | $115 |
| Dairyland | $119 |
| Bristol West | $119 |
| Covercube | $121 |
| Clearcover | $121 |
| Root | $122 |
| Mendota | $124 |
| AssuranceAmerica | $125 |
| Excepsure | $128 |
| Sun Coast | $129 |
| Safeco | $132 |
| Direct Auto | $134 |
| National General | $136 |
| Loop | $139 |
| Elephant | $143 |
| Chubb | $152 |
| Trexis One | $161 |
| Hugo | $181 |
| 21st Century | $183 |
| Insurify Car | $183 |
| Liberty Mutual | $199 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 3 at 5:00 PM PDT.
The below rates in Austin, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $84 |
| Allstate | $100 |
| Mile Auto | $103 |
| Progressive | $105 |
| GEICO | $114 |
| USAA | $126 |
| Mercury | $138 |
| First Acceptance | $144 |
| The General | $146 |
| Alinsco | $151 |
| Lone Star | $154 |
| Commonwealth Casualty | $160 |
| GAINSCO | $160 |
| Nationwide | $161 |
| Clearcover | $163 |
| Bristol West | $165 |
| Dairyland | $166 |
| Root | $167 |
| Covercube | $169 |
| Mendota | $174 |
| AssuranceAmerica | $174 |
| Excepsure | $179 |
| Sun Coast | $180 |
| Safeco | $181 |
| Direct Auto | $186 |
| National General | $189 |
| Loop | $194 |
| Elephant | $197 |
| Trexis One | $225 |
| 21st Century | $250 |
| Hugo | $254 |
| Insurify Car | $256 |
| Chubb | $279 |
| Liberty Mutual | $288 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, June 3 at 5:00 PM PDT.
How to Get the Cheapest Car Insurance in Austin
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Here are a few ways to get the cheapest car insurance in Austin:
Maintain a clean driving record. Avoiding accidents and tickets can ensure you get the best rate.
Ask about discounts. Car insurance discounts vary by insurer. Ask what discounts are available so you can apply as many as you qualify for, including for pay-in-full, multi-vehicle, good student, and more discounts.
Bundle your policies. Bundling car and renters or homeowners insurance can save you up to 25% on both forms of coverage.
Compare multiple auto insurance quotes. Shop rates from at least three insurers to find the best price for your driver profile and coverage needs.
Our Picks for the Best Auto Insurance in Austin
No single car insurance company is the right fit for every driver. Your ideal insurer depends on your driving record, coverage needs, and budget. We chose the companies below based on a mix of average Austin rates, available discounts, coverage options, and customer ratings and reviews.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $197/mo |
4.0
Best choice in Austin, TXBased on 718 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 275 GEICO reviews
Verified Review
Reviewed in Florida on May 24, 2026
The company was very helpful and responsive when I had a claim, but they also canceled my policy as soon as my license was suspended.
Verified Review
Reviewed in Iowa on May 10, 2026
The price keeps increasing.
Verified Review
Reviewed in Colorado on May 7, 2026
Great price.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
If saving money is a priority, GEICO stands out for its competitive rates and extensive discount options in Austin. It also offers a wide range of insurance products, making it a good choice for one-stop shopping. But you may need to look elsewhere if you want gap insurance or a vanishing deductible.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 639 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $130/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $255/mo |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Nationwide offers multiple ways for Austin drivers to save on their monthly premiums. Low-mileage drivers may get cheaper rates with its SmartMiles pay-per-mile car insurance policy, while safe drivers can save up to 40% with its highly rated telematics program, SmartRide.
You can also save through good student, anti-theft devices, and defensive driving course discounts. Nationwide also earns high claims satisfaction ratings, but its digital shopping experience is below average, according to J.D. Power’s 2025 studies.
Pros
Above-average claims satisfaction rating from J.D. Power
Accident forgiveness available
Many local agents available
Cons
Below-average digital shopping experience rating according to J.D. Power
Average rates for high-risk drivers may be more than some competitors
New car replacement coverage not available
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
4.0
Best choice in Austin, TXBased on 842 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing 6 Texas reviews for Austin driversSee all 328 State Farm reviews
Verified Review
Reviewed in Texas on May 14, 2026
I've found that on my new lease, the price has gone up considerably.
Verified Review
Reviewed in Texas on May 13, 2026
Too costly for senior drivers who don't drive much, are on low income, have older cars, and only need state-mandated coverage with no tickets against them. Auto insurance companies need to offer affordable insurance.
Verified Review
Reviewed in Texas on May 9, 2026
I am satisfied with the quality of service that I have received during these last 6 years with my insurance company.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm has a vast local agent network in Austin, making it an ideal option if you prefer personalized service. For example, you can include roadside assistance and rideshare coverage in your insurance policy. Safe drivers can also save up to 30% by enrolling in its Drive Safe & Save telematics program.
Pros
A++ (Superior) financial strength rating from AM Best
Rideshare coverage available
Fewer complaints than other similar-sized companies[7]
Cons
Gap coverage limited to State Farm Bank customers with a loan
Doesn‘t offer accident forgiveness coverage
Policies must be purchased in-person through a State Farm agent
Austin Auto Insurance FAQs
Here are common questions drivers ask about car insurance in Austin, Texas.
How much is car insurance in Austin?
Car insurance in Austin averages $171 per month. Liability-only policies cost an average of $127, and full-coverage policies average $215 per month, according to Compare.com data.
What’s the cheapest auto insurance company in Austin?
The cheapest auto insurance company in Austin is State Farm. Its monthly liability-only average rate is $58, according to Compare.com data.
What’s the best car insurance company in Austin?
It depends. The best car insurance company in Austin offers the coverage you need at a price that fits your budget. We found that some of the best options in Austin are GEICO, Nationwide, and State Farm.
Is car insurance in Austin expensive?
It can be. The cost of car insurance in Austin depends on multiple factors, including your age, address, driving history, and other criteria. In Austin, drivers pay an average of $171 per month. The average across all of Texas is $165 per month, and national premiums average $140 per month, according to Compare.com data.
Is minimum coverage enough in Austin?
Minimum coverage is usually not enough in Austin. A serious crash involving multiple vehicles and injuries could easily exceed the state’s minimum limits, which is why most experts, including the Texas Department of Insurance, recommend buying higher liability limits.
Full coverage, which includes collision and comprehensive insurance, provides greater protection and is typically required by lenders when you lease or finance a vehicle.
Sources
- Texas.gov. "Auto insurance guide."
- III. "Facts + Statistics: Uninsured motorists."
- Teen Drivers. "Risk Factors for Teen Drivers."
- National Association of Insurance Commissioners. "Regulatory Resources for Consumers on Personal Lines Pricing and Underwriting – Auto Section."
- Trustpilot. "GEICO Reviews."
- App Store. "GEICO Mobile App."
- Naic.org. "Consumer Insurance Refined Search Results."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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Mandy SleightInsurance Writer
Lequita WestbrooksSenior Editor
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations