Cheap Car Insurance in Austin (October 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 2, 2025
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Cheap Car Insurance in Austin (October 2025)

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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
$24 $284 70 Geico 8/8 2025
$27 $321 66 Progressive 8/12 2025
$32 $381 37 Progressive 6/13 2025
$33 $398 34 Bluefire 9/9 2025
$37 $448 29 Geico 9/17 2025
$41 $486 36 Geico 7/3 2025
$41 $491 41 Progressive 6/19 2025
$42 $498 26 Geico 4/30 2025
$43 $515 39 Safeco 8/31 2025
$45 $543 39 Progressive 6/16 2025
Last Updated Oct. 1, 2025

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

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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
$45 $540 Geico 36 9/12 2025 Austin, TX 78758
$50 $603 Progressive 66 8/12 2025 Austin, TX 78704
$56 $666 Geico 37 5/15 2025 Austin, TX 78729
$56 $670 Geico 66 9/27 2025 Austin, TX 78753
$56 $675 Progressive 36 9/12 2025 Austin, TX 78758
$58 $696 ROOT 59 5/18 2025 Austin, TX 78717
$60 $716 Progressive 42 6/21 2025 Austin, TX 78739
$60 $722 Progressive 42 5/6 2025 Austin, TX 78734
$60 $725 Progressive 66 9/27 2025 Austin, TX 78753
$62 $748 Geico 28 7/17 2025 Austin, TX 78745
Last Updated Oct. 1, 2025

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:
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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 $284 Geico 29 No 5/26 2025 Austin, TX 78727
$24 $286 Geico 25 No 9/7 2025 Austin, TX 78728
$27 $328 Geico 28 No 8/15 2025 Austin, TX 78717
$28 $336 Geico 29 No 8/5 2025 Austin, TX 78754
$30 $354 Geico 25 No 9/10 2025 Austin, TX 78722
$58 $696 ROOT 59 5/18 2025 Austin, TX 78717
$60 $716 Progressive 42 6/21 2025 Austin, TX 78739
$60 $722 Progressive 42 5/6 2025 Austin, TX 78734
$60 $725 Progressive 66 9/27 2025 Austin, TX 78753
$62 $748 Geico 28 7/17 2025 Austin, TX 78745
Last Updated Oct. 1, 2025

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
$22 $262 Geico 31 No 9/26 2025 Austin, TX 78702
$24 $284 Geico 38 No 6/4 2025 Austin, TX 78744
$25 $302 Geico 30 No 5/28 2025 Austin, TX 78758
$26 $306 Geico 33 No 8/27 2025 Austin, TX 78721
$27 $318 Geico 31 No 7/18 2025 Austin, TX 78759
$58 $696 ROOT 59 5/18 2025 Austin, TX 78717
$60 $716 Progressive 42 6/21 2025 Austin, TX 78739
$60 $722 Progressive 42 5/6 2025 Austin, TX 78734
$60 $725 Progressive 66 9/27 2025 Austin, TX 78753
$62 $748 Geico 28 7/17 2025 Austin, TX 78745
Last Updated Oct. 3, 2025

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
$21 $248 Geico 66 No 8/12 2025 Austin, TX 78704
$24 $284 Geico 70 No 8/8 2025 Austin, TX 78724
$27 $321 Progressive 66 No 8/12 2025 Austin, TX 78704
$27 $328 Geico 55 No 7/18 2025 Austin, TX 78751
$30 $360 Geico 69 No 5/13 2025 Austin, TX 78734
$58 $696 ROOT 59 5/18 2025 Austin, TX 78717
$60 $716 Progressive 42 6/21 2025 Austin, TX 78739
$60 $722 Progressive 42 5/6 2025 Austin, TX 78734
$60 $725 Progressive 66 9/27 2025 Austin, TX 78753
$62 $748 Geico 28 7/17 2025 Austin, TX 78745
Last Updated Oct. 4, 2025

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 $248 Geico 66 8/12 2025 No Austin, TX 78704
$22 $262 Geico 31 9/26 2025 No Austin, TX 78702
$24 $284 Geico 70 8/8 2025 No Austin, TX 78724
$24 $284 Geico 29 5/26 2025 No Austin, TX 78727
$24 $284 Geico 38 6/4 2025 No Austin, TX 78744
$24 $286 Geico 25 9/7 2025 No Austin, TX 78728
$25 $302 Geico 30 5/28 2025 No Austin, TX 78758
$26 $306 Geico 33 8/27 2025 No Austin, TX 78721
$27 $318 Geico 31 7/18 2025 No Austin, TX 78759
$27 $321 Progressive 66 8/12 2025 No Austin, TX 78704
Last Updated Oct. 1, 2025

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 2/20 2025 Austin, TX 78750
<550 $70 $837 Progressive 31 8/16 2025 Austin, TX 78747
<550 $70 $837 Progressive 26 8/27 2025 Austin, TX 78704
<550 $70 $839 Progressive 32 1/10 2025 Austin, TX 78727
<550 $87 $1,043 Bluefire 47 1/16 2025 Austin, TX 78734
$24 $286 Geico 25 Austin, TX 78728
$25 $302 Geico 30 Austin, TX 78758
$26 $306 Geico 33 Austin, TX 78721
$27 $318 Geico 31 Austin, TX 78759
$27 $321 Progressive 66 Austin, TX 78704
Last Updated Oct. 2, 2025

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 6/13 2025 Austin, TX 78746
At Fault With No Injury $51 $613 Progressive 92 No 9/24 2025 Austin, TX 78732
At Fault With No Injury $52 $629 Progressive 48 No 6/21 2025 Austin, TX 78704
At Fault With No Injury $59 $705 Progressive 51 No 5/17 2025 Austin, TX 78750
At Fault With No Injury $59 $713 Bristol West 92 No 9/24 2025 Austin, TX 78732
$24 $286 Geico 25 No Austin, TX 78728
$25 $302 Geico 30 No Austin, TX 78758
$26 $306 Geico 33 No Austin, TX 78721
$27 $318 Geico 31 No Austin, TX 78759
$27 $321 Progressive 66 No Austin, TX 78704
Last Updated September 2025

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 Quote
City, State
ZIP Code
Speeding over 15 $43 $512 Geico 25 7/9 2025 Austin, TX 78747
Speeding under 15 $50 $598 Geico 25 7/10 2025 Austin, TX 78753
Speeding under 15 $50 $598 Geico 25 7/12 2025 Austin, TX 78753
Speeding under 15 $52 $627 Progressive 35 9/9 2025 Austin, TX 78723
Speeding under 15 $52 $627 Progressive 35 9/10 2025 Austin, TX 78723
$24 $286 Geico 25 9/7 2025 Austin, TX 78728
$25 $302 Geico 30 5/28 2025 Austin, TX 78758
$26 $306 Geico 33 8/27 2025 Austin, TX 78721
$27 $318 Geico 31 7/18 2025 Austin, TX 78759
$27 $321 Progressive 66 8/12 2025 Austin, TX 78704
Last Updated Oct. 5, 2025

Cheapest car insurance for drivers with DUIs in Austin

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $82 $980 Geico 37 9/17 2025 Austin, TX 78704
DUI $82 $984 The General 50 8/22 2025 Austin, TX 78723
DUI $92 $1,108 Safeco 33 4/11 2025 Austin, TX 78725
DUI $92 $1,108 Safeco 33 4/13 2025 Austin, TX 78725
DUI $94 $1,124 The General 33 7/23 2025 Austin, TX 78717
$24 $286 Geico 25 9/7 2025 Austin, TX 78728
$25 $302 Geico 30 5/28 2025 Austin, TX 78758
$26 $306 Geico 33 8/27 2025 Austin, TX 78721
$27 $318 Geico 31 7/18 2025 Austin, TX 78759
$27 $321 Progressive 66 8/12 2025 Austin, TX 78704
Last Updated Oct. 5, 2025

More: DWI vs DUI: What's the difference?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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