Car Insurance in Austin, Texas
Estimated full coverage in Austin runs about $2,005 a year ($167/month) — ▲ +6% versus the Texas average, ranking 27th most expensive of the 57 Texas cities we cover.
Why car insurance in Austin costs more than the Texas average
Insurers price by territory, and Austin's numbers explain most of the gap. With 993,588 residents on 326.4 square miles, the city's density (3,044 people per square mile) is 4.5 times the density where the typical Texas resident lives (670). The average commute is 23.7 minutes (Texas: 26.7), and 56% of workers drive alone. Together these put our location factor at 1.06× the state baseline for liability and collision, and 1.07× for comprehensive once FEMA weather risk for Travis County is included.
| Factor | Austin | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 3,044 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 23.7 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.5% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 56.0% | — | Share of workers commuting by car. |
| Public transit to work | 2.0% | — | Transit use lowers how much residents drive. |
| Work from home | 30.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 93.9 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Austin
Rates can change from one ZIP code to the next. Across 33 Austin ZIP codes, our full-coverage estimate ranges from $1,800 in 78712 to $2,125 in 78748. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 78745 | 61,219 | 4,457 | 24.5 min | 6.4% | $2,060 | +3% |
| 78753 | 56,920 | 5,016 | 26.3 min | 9.3% | $2,100 | +5% |
| 78748 | 55,631 | 3,936 | 29.3 min | 2.3% | $2,125 | +6% |
| 78744 | 50,986 | 2,256 | 25.5 min | 4.6% | $2,005 | 0% |
| 78704 | 50,688 | 5,779 | 20.2 min | 9.1% | $2,015 | 0% |
| 78758 | 49,617 | 5,460 | 22.8 min | 12.0% | $2,050 | +2% |
| 78741 | 45,951 | 5,900 | 22.7 min | 10.2% | $2,055 | +2% |
| 78759 | 43,182 | 3,030 | 21.0 min | 4.5% | $1,965 | −2% |
| 78723 | 38,129 | 5,402 | 26.1 min | 8.4% | $2,105 | +5% |
| 78717 | 37,262 | 2,856 | 27.7 min | 3.6% | $2,065 | +3% |
| 78749 | 34,562 | 3,569 | 26.2 min | 2.2% | $2,065 | +3% |
| 78705 | 33,238 | 16,057 | 16.5 min | 21.6% | $2,055 | +2% |
| 78754 | 32,690 | 2,160 | 24.9 min | 4.6% | $1,990 | −1% |
| 78724 | 31,103 | 1,247 | 27.6 min | 7.1% | $1,980 | −1% |
| 78729 | 30,460 | 3,104 | 24.8 min | 4.8% | $2,025 | +1% |
| 78727 | 29,958 | 3,856 | 22.5 min | 3.9% | $2,010 | 0% |
| 78750 | 29,277 | 2,482 | 24.7 min | 2.4% | $2,000 | 0% |
| 78746 | 28,256 | 1,233 | 20.1 min | 4.4% | $1,865 | −7% |
| 78731 | 27,507 | 3,145 | 20.9 min | 6.3% | $1,965 | −2% |
| 78702 | 25,985 | 5,191 | 18.8 min | 13.8% | $1,980 | −1% |
| 78757 | 23,856 | 4,818 | 19.7 min | 3.8% | $1,985 | −1% |
| 78703 | 23,483 | 4,176 | 17.6 min | 6.6% | $1,940 | −3% |
| 78752 | 23,317 | 6,987 | 22.4 min | 7.8% | $2,070 | +3% |
| 78735 | 20,996 | 1,040 | 21.2 min | 2.9% | $1,865 | −7% |
| 78739 | 20,659 | 1,783 | 28.3 min | 0.3% | $2,025 | +1% |
| 78751 | 16,961 | 7,023 | 17.2 min | 13.6% | $1,985 | −1% |
| 78726 | 14,506 | 1,252 | 28.2 min | 3.1% | $1,990 | −1% |
| 78701 | 11,824 | 7,794 | 20.9 min | 12.5% | $2,055 | +2% |
| 78721 | 10,997 | 3,082 | 22.8 min | 10.2% | $1,995 | 0% |
| 78756 | 9,197 | 5,504 | 18.0 min | 14.3% | $1,970 | −2% |
| 78730 | 9,142 | 607 | 24.5 min | 1.8% | $1,865 | −7% |
| 78722 | 6,767 | 4,994 | 22.0 min | 5.0% | $2,030 | +1% |
| 78712 | 201 | 353 | — | — | $1,800 | −10% |
Minimum car insurance in Austin
Austin drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Austin at $730 a year, and $1,020 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Austin premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Travis County as very high for hail, relatively high for inland flooding and relatively high for strong wind, and relatively low for hurricanes.
Traffic & commuting
4.5% of Austin commuters spend an hour or more getting to work, and there are 1.58 vehicles per household. 30.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.7 | Comprehensive; dwelling | |
| Hurricane | 77.1 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 98.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 94.8 | Comprehensive; dwelling | |
| Winter weather | 80.4 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Austin by driver profile
A clean-record driver in their 50s pays the least in our Austin model (about $1,845 for full coverage); an 18-year-old on their own policy pays about $5,520, and a DUI pushes a 30-something to $3,710.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,010 | $2,805 | $5,520 | $460 |
| Young adult (22) | $1,170 | $1,630 | $3,210 | $268 |
| Adult in their 30s | $730 | $1,020 | $2,005 | $167 |
| Adult in their 50s | $675 | $940 | $1,845 | $154 |
| Senior (72) | $820 | $1,140 | $2,245 | $187 |
| 30s, one at-fault accident | $1,060 | $1,480 | $2,910 | $243 |
| 30s, DUI on record | $1,355 | $1,885 | $3,710 | $309 |
Minimum vs. standard vs. full coverage in Austin
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $730 | $61 | $600–$865 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,020 | $85 | $835–$1,205 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,005 | $167 | $1,645–$2,370 |
Estimate your premium in Austin
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Cheap car insurance in Austin: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Austin's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $135 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $140 | You're among the 30.7% of Austin workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $540 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $985 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $445 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Austin
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 147 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Austin, our estimates differ by up to $325 a year between neighborhoods.
Car insurance agents near Austin, TX
We found 147 insurance offices within about 14 miles of central Austin, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Michael Walker - Allstate
3810 Medical Pkwy, Ste 155, Austin, TX 78756 -
Beatriz Zilveti - Farmers Insurance
1800 Lavaca St, Austin, TX 78701 -
Dan Walker - State Farm
1507 North St, Suite 2, Austin, TX 78756 -
Robert Lee Sauers - Farmers Insurance
823 Congress Ave, Austin, TX 78701 -
Insurance 4 Less
3909 North Interstate 35, #2-B, Austin, TX 78722 -
David Royce Sewell - Farmers Insurance
2105 E Martin Luther King Jr Blvd, Austin, TX 78702 -
Farmers Insurance
5808 Woodrow Avenue, , TX -
Stuart Nalewaik - State Farm
210 Barton Springs Rd, Ste 175, Austin, TX 78704 -
Commercial, Life, Home and Auto Insurance Specialists in the state of Texas. Located in Austin TX.
4600 Mueller Blvd, Austin, TX 78723 -
Kelly Conway - Allstate
5750 Balcones Dr, Ste 109, Austin, TX 78731 -
Kouri E. Winters - Farmers Insurance
901 S Mo Pac Expy, Austin, TX 78746 -
David Anthony Gonzales - Farmers Insurance
5818 Balcones Dr, Austin, TX 78731 -
Freeway Insurance
3712 Airport BLVD, Austin, TX 78722 -
Jessie Pierce - State Farm
5407 N IH 35, Suite 303, Austin, TX 78723 -
Texas Mutual Insurance
2200 Aldrich Street, Austin, TX 78723 -
A-MAX Auto Insurance
6607 North Lamar Boulevard, Austin, TX 78752 -
David Michael Thomson - Farmers Insurance
3103 Bee Caves Rd, Austin, TX 78746 -
Ed Weeren Insurance Agency
300 East Highland Mall Boulevard, #208, Austin, TX 78752 -
Eric Brandon Baker - Farmers Insurance
1801 E Cesar Chavez St, Austin, TX 78702 -
Cover Mile
1700 South Lamar Boulevard, Suite 338, Austin, TX 78704 -
William Baca - Farmers Insurance
2121 E 6th St, Austin, TX 78702 -
Kirk Ingels - State Farm
3701 Bee Caves Road, Suite 201, Westlake Hills, TX 78746 -
Renwick Haynes - Farmers Insurance
1106 Clayton Ln, Austin, TX 78723 -
Freeway Insurance
2501 East 7th ST, Austin, TX 78702 -
James Neal Nutt - Farmers Insurance
14101 W Hwy 290, Austin, TX 78737 -
Kenny Hill - State Farm Insurance Agent
1301 S I-35 Frontage Rd, Suite 206, Austin, TX 78741 -
EZ Insurance Agency
7600 North Lamar Boulevard, #E, Austin, TX 78752 -
Freeway Insurance
6715 Hwy 290 East, Austin, TX 78723 -
Dana Spruiell: Allstate Insurance
911 West Anderson Lane, #209, Austin, TX 78757 -
Karl Dexter Graham - Farmers Insurance
7600 Chevy Chase Dr, Austin, TX 78752 -
Javier Huerta - Farmers Insurance
111 W Anderson Ln, Austin, TX 78752 -
Andrew Thomas Davies - Farmers Insurance
7950 Anderson Sq, Austin, TX 78757 -
Dean Davis Insurance Agency
7950 Anderson Square, #101, Austin, TX 78757 -
Steve Vinklarek - State Farm
701 S. Capital of Tx Hwy, Suite N-850, Austin, TX 78746 -
Joseph Noah - Allstate
2101 S Interstate 35, Ste 210, Austin, TX 78741 -
Karen Easterling - State Farm
3300 W Anderson Ln, Suite 306, Austin, TX 78757 -
Ahoura Sabaeidardashti - Farmers Insurance
4801 Springdale Rd, Apt 1009, Austin, TX 78723 -
Dylan Kent Gray - Farmers Insurance
2404 S Ih 35, Austin, TX 78704 -
Danback Insurance Agency
8312 Burnet Road, #115, Austin, TX 78757 -
Moore Insurance Agency
8140 North MoPac Expressway, Building 1 #250, Austin, TX 78759
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Austin
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,505 | −25% |
| Subaru Outback | Wagon | $1,510 | −25% |
| Tesla Model 3 | Midsize car | $2,090 | +4% |
| Subaru Forester | Small SUV | $1,480 | −26% |
| Honda Civic | Compact car | $2,260 | +13% |
| Toyota Corolla | Compact car | $2,120 | +6% |
| Jeep Wrangler | Midsize SUV | $1,640 | −18% |
| Mazda CX-5 | Small SUV | $1,685 | −16% |
| MINI Cooper | Subcompact car | $1,515 | −24% |
| Tesla Model Y | Midsize SUV | $1,880 | −6% |
More car insurance topics in Austin
Car insurance in nearby Texas cities
- Round Rock $2,035/yr · 17 mi
- Georgetown $2,015/yr · 26 mi
- San Marcos $1,950/yr · 31 mi
- New Braunfels $2,040/yr · 47 mi
- Killeen $2,030/yr · 54 mi
- Temple $1,865/yr · 60 mi
- San Antonio $2,020/yr · 74 mi
- Bryan $1,840/yr · 86 mi
- College Station $1,865/yr · 89 mi
- Waco $1,840/yr · 93 mi
- Victoria $1,850/yr · 112 mi
- Katy $2,090/yr · 120 mi
All Texas cities and state rules · Homeowners insurance in Austin
Frequently asked questions
How much is car insurance in Austin, TX?
We estimate full coverage in Austin at about $2,005 a year ($167 a month) for a driver in their 30s with a clean record, and about $730 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Austin more expensive than the Texas average?
Our Austin estimate is 6% higher than the statewide figure. The model reflects a population density of 3,044 people per square mile (the typical Texas resident lives at about 670) and an average commute of 23.7 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Austin?
Drivers in Austin follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Austin has the cheapest car insurance?
Among Austin's 33 ZIP codes, 78712 has the lowest estimate (about $1,800 a year for full coverage) and 78748 the highest (about $2,125), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Austin?
An 18-year-old with their own full-coverage policy would pay around $5,520 a year in Austin by our estimate ($2,010 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Austin?
Yes. FEMA's National Risk Index rates Travis County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Austin?
We list 147 insurance offices in and around Austin, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Austin and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places