The Cheapest Auto Insurance Companies in Austin, Texas in 2026

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: Tuesday, August 4 at 5:00 PM PDT. 

Company	Average Monthly Premium
State Farm	$60
Progressive	$85
Mile Auto	$86
GEICO	$93
USAA	$108
First Acceptance	$114
Mercury	$116
The General	$118
Alinsco	$119
Lone Star	$123
GAINSCO	$125
Commonwealth Casualty	$128
Covercube	$131
Bristol West	$134
Clearcover	$134
Root	$135
Dairyland	$138
AssuranceAmerica	$141
Mendota	$142
Sun Coast	$142
Excepsure	$145
Allstate	$146
Safeco	$147
Direct Auto	$149
Loop	$155
Elephant	$157
National General	$157
Chubb	$182
Trexis One	$184
Insurify Car	$199
21st Century	$211
Hugo	$218
Liberty Mutual	$245
Foremost	$292

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 Tuesday, August 4 at 5:00 PM PDT.

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.

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 $216 per month. The chart below highlights the cheapest auto insurers in Austin for full coverage, based on Compare.com data.

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 $335 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.

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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 $146 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 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.

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 $154 per month. The average rate for drivers with poor credit is $215 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.

How to Get the Cheapest Car Insurance in Austin

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.

Compare Quotes

User Reviews	4.0 789 reviews
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.	$93/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.	$196/mo

Details

4.0

Best choice in Austin, TXBased on 789 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 4 Texas reviews for Austin driversSee all 301 GEICO reviews

Marilyn

Verified Review

Higher Rate for Not Having Insurance 30 Days Prior

Reviewed in Texas on July 3, 2026

I have a non-mandated due date. I've tried to change the due date, and they just say, "We don't do that." I even offered to pay interest on the new due date, but they still refused. They also told me that I had a higher premium because I didn't have insurance for the 30 days prior. I did not own a vehicle to be insured, and I've had insurance since I started driving at 16. I contacted the state insurance commission, and they said the state does not mandate a higher rate if you don't have insurance 30 days prior to applying. Your representative would not consider a lower rate. It's frustrating to be penalized with a higher rate without considering why I didn't have insurance. Would you pay for insurance if you don't even own a vehicle? It brings me anger that I'm penalized with a higher rate.

Lillian

Verified Review

Excellent

Reviewed in Texas on June 20, 2026

I have had no problem with Geico. They have been friendly and very helpful.

Aaron

Verified Review

Too Expensive

Reviewed in Texas on June 19, 2026

The price is $300 a month, which is crazy. Please drop the price, or I'll look elsewhere.

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.

Pros

• Cheap car insurance rates

• Highly rated mobile app^[6]

• Plenty of available discounts

Cons

• Poor Trustpilot rating^[5]

• Below-average J.D. Power claims satisfaction

• No gap insurance available

Compare Quotes

J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	639

Details

Showing recent national reviewsSee all 7 Nationwide reviews

David

Verified Review

Too late to change to another company

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

Compare Quotes

User Reviews	4.0 936 reviews
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.	$60/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.	$116/mo

Details

4.0

Best choice in Austin, TXBased on 936 verified guest reviews and ratings

	State Farm's score	Industry average
Coverage options	3.9	3.2
Customer service	3.9	3.6
Discounts	3.7	2.9
Policy transparency	3.8	3.1
Value	3.7	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 4 Texas reviews for Austin driversSee all 363 State Farm reviews

Robert

Verified Review

Longtime State Farm Customer, but I’m Going to Have to Look Elsewhere Due to Renewal Cost

Reviewed in Texas on July 18, 2026

State Farm is very good. However, the premiums are very high. I’m going to have to look at other options before my renewal.

Mary

Verified Review

Unhappy

Reviewed in Texas on May 14, 2026

I've found that on my new lease, the price has gone up considerably.

Joanne

Verified Review

Hopeless

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.

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

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