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.

Cheapest minimum coverage insurance in Austin

Texas requires drivers to carry these coverages at minimum:

• $30,000 of bodily injury per person and $60,000 per accident.
• $25,000 for property damage.

These are cheapest quotes for minimum coverage in Austin, based on quotes from real Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

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 coverage 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.

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.

Cheapest car insurance for mature drivers in Austin (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

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.

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 rate shop 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.

Cheapest car insurance for drivers with at-fault accidents in Austin

Cheapest car insurance for drivers with speeding tickets in Austin

Cheapest car insurance for drivers with DUIs in Austin

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.