It can feel like Austin’s streets and highways are getting more crowded by the day as new residents flock to the area, but you can still usually get where you need to go within 20 to 30 minutes — unless you have to take MoPac. The streets of Austin, lined with local businesses and new apartment complexes, are worth a drive any day. But it’s wise to head out with robust car insurance, especially if you find yourself in an area where drivers aren’t as attentive to traffic signals.
To help you find dependable insurance you can afford, we’ve gathered quote data from real Jerry customers in Austin to help you better understand how various factors like age, driving history and coverage needs will impact your cost.
More: Best car insurance in Texas
Cheapest minimum coverage insurance in Austin
Texas requires drivers to carry these coverages at minimum:
- $30,000 of bodily injury per person.
- $60,000 of bodily injury per accident.
- $25,000 for property damage.
These are cheapest car insurance quotes for minimum coverage in Austin, based on quotes from real Jerry customers.
|
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Date of Quote
|
|---|---|---|---|---|
| $32 | $381 | 37 | Progressive | June 13, 2025 |
| $41 | $486 | 36 | Geico | July 3, 2025 |
| $41 | $491 | 41 | Progressive | June 19, 2025 |
| $42 | $498 | 26 | Geico | April 30, 2025 |
| $45 | $543 | 39 | Progressive | June 16, 2025 |
| $47 | $559 | 29 | Progressive | February 11, 2025 |
| $47 | $564 | 42 | Geico | March 29, 2025 |
| $47 | $566 | 27 | Geico | June 27, 2025 |
| $48 | $575 | 43 | Progressive | June 22, 2025 |
| $49 | $585 | 46 | Progressive | June 10, 2025 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Texas
Cheapest full coverage insurance in Austin
Austin has sunny and hot weather almost all year, but let’s not forget the occasional freeze that causes traffic to grind to a halt. The minimum liability car insurance may protect another driver’s car if you spin out and hit them, but it won’t pay for repairs to your car. If you’re worried about damage to your car or things like theft or animal collisions, consider full coverage for the best protection.
These are the cheapest quotes for full coverage in Austin, based on quotes that Jerry customers have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $56 | $666 | Geico | 37 | May 15, 2025 | Austin, TX | 78729 |
| $58 | $696 | ROOT | 59 | May 18, 2025 | Austin, TX | 78717 |
| $59 | $712 | Progressive | 57 | February 23, 2025 | Austin, TX | 78729 |
| $60 | $716 | Progressive | 42 | June 21, 2025 | Austin, TX | 78739 |
| $60 | $722 | Progressive | 42 | May 6, 2025 | Austin, TX | 78734 |
| $62 | $748 | Geico | 28 | July 17, 2025 | Austin, TX | 78745 |
| $63 | $757 | Progressive | 45 | June 25, 2025 | Austin, TX | 78746 |
| $63 | $762 | Progressive | 35 | March 25, 2025 | Austin, TX | 78735 |
| $64 | $764 | Progressive | 40 | June 18, 2025 | Austin, TX | 78757 |
| $64 | $765 | ROOT | 29 | May 17, 2025 | Austin, TX | 78704 |
More: Best car insurance companies
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Austin (18-29 years old)
Here are the cheapest quotes that drivers between 18 and 29 years old — often among the highest-paying car insurance customers — have received in Austin via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $282 | Geico | 25 | No | March 18, 2025 | Austin, TX | 78705 |
| $24 | $284 | Geico | 29 | No | May 26, 2025 | Austin, TX | 78727 |
| $26 | $316 | Geico | 25 | No | March 29, 2025 | Austin, TX | 78751 |
| $31 | $366 | Geico | 25 | No | July 21, 2025 | Austin, TX | 78758 |
| $31 | $376 | Geico | 28 | No | July 9, 2025 | Austin, TX | 78728 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Austin (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $250 | Geico | 35 | No | February 3, 2025 | Austin, TX | 78752 |
| $24 | $284 | Geico | 38 | No | June 4, 2025 | Austin, TX | 78744 |
| $25 | $302 | Geico | 30 | No | May 28, 2025 | Austin, TX | 78758 |
| $25 | $302 | Geico | 34 | No | March 19, 2025 | Austin, TX | 78724 |
| $26 | $316 | Geico | 36 | No | April 1, 2025 | Austin, TX | 78758 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $25 | $304 | Geico | 56 | No | February 7, 2025 | Austin, TX | 78738 |
| $25 | $305 | Progressive | 57 | No | February 23, 2025 | Austin, TX | 78729 |
| $27 | $328 | Geico | 55 | No | July 18, 2025 | Austin, TX | 78751 |
| $28 | $330 | Geico | 73 | No | March 17, 2025 | Austin, TX | 78725 |
| $30 | $360 | Geico | 69 | No | May 13, 2025 | Austin, TX | 78734 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Austin
Keeping a clean driving record is one way to ensure you get the most affordable car insurance policy possible. Here are quotes that Jerry customers with spotless records have received in Austin.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $250 | Geico | 35 | February 3, 2025 | No | Austin, TX | 78752 |
| $24 | $282 | Geico | 25 | March 18, 2025 | No | Austin, TX | 78705 |
| $24 | $284 | Geico | 38 | June 4, 2025 | No | Austin, TX | 78744 |
| $24 | $284 | Geico | 29 | May 26, 2025 | No | Austin, TX | 78727 |
| $25 | $302 | Geico | 34 | March 19, 2025 | No | Austin, TX | 78724 |
| $25 | $302 | Geico | 30 | May 28, 2025 | No | Austin, TX | 78758 |
| $25 | $304 | Geico | 56 | February 7, 2025 | No | Austin, TX | 78738 |
| $25 | $305 | Progressive | 57 | February 23, 2025 | No | Austin, TX | 78729 |
| $26 | $316 | Geico | 36 | April 1, 2025 | No | Austin, TX | 78758 |
| $26 | $316 | Geico | 25 | March 29, 2025 | No | Austin, TX | 78751 |
Cheapest car insurance for drivers with low credit scores in Austin
Drivers with low credit scores often pay higher rates than those with good credit. If that's you, it's wise to go shopping for car insurance with multiple insurers to find the most affordable coverage. Here are quotes that real Jerry customers in Austin with credit scores below 550 have received via Jerry.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $65 | $783 | Progressive | 41 | February 20, 2025 | Austin, TX | 78750 |
| <550 | $70 | $839 | Progressive | 32 | January 10, 2025 | Austin, TX | 78727 |
| <550 | $87 | $1,043 | Bluefire | 47 | January 16, 2025 | Austin, TX | 78734 |
| <550 | $89 | $1,067 | The General | 49 | December 28, 2024 | Austin, TX | 78750 |
| <550 | $90 | $1,075 | Bluefire | 47 | May 27, 2025 | Austin, TX | 78734 |
Cheapest car insurance for drivers with at-fault accidents in Austin
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $46 | $551 | Progressive | 52 | No | June 13, 2025 | Austin, TX | 78746 |
| At Fault With No Injury | $52 | $629 | Progressive | 48 | No | June 21, 2025 | Austin, TX | 78704 |
| At Fault With No Injury | $59 | $705 | Progressive | 51 | No | May 17, 2025 | Austin, TX | 78750 |
| At Fault With No Injury | $61 | $733 | Progressive | 59 | Yes | June 11, 2025 | Austin, TX | 78728 |
| At Fault With No Injury | $66 | $793 | Bristol West | 52 | No | March 3, 2025 | Austin, TX | 78746 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Austin
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $77 | $923 | Progressive | 33 | October 1, 2024 | Austin, TX | 78738 |
| Speeding over 15 | $85 | $1,017 | Bluefire | 31 | June 12, 2025 | Austin, TX | 78703 |
| Speeding over 15 | $95 | $1,142 | Clearcover | 28 | June 5, 2025 | Austin, TX | 78702 |
| Speeding under 15 | $99 | $1,189 | Progressive | 26 | April 2, 2025 | Austin, TX | 78745 |
| Speeding over 15 | $103 | $1,239 | Progressive | 25 | June 22, 2025 | Austin, TX | 78745 |
Cheapest car insurance for drivers with DUIs in Austin
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $69 | $833 | Bristol West | 43 | August 30, 2024 | Austin, TX | 78757 |
| DUI | $76 | $911 | Progressive | 28 | January 31, 2025 | Austin, TX | 78704 |
| DUI | $103 | $1,239 | Progressive | 28 | March 16, 2025 | Austin, TX | 78704 |
| DUI | $111 | $1,331 | Progressive | 33 | January 2, 2025 | Austin, TX | 78728 |
| DUI | $117 | $1,399 | Progressive | 42 | April 7, 2024 | Austin, TX | 78741 |
More: DWI vs DUI: What's the difference?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
