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Cheap car insurance in Austin, TX
Austin drivers pay an average of $323 a month for full coverage and $144 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.
Lowest state minimum quote Jerry has found
Lowest full coverage quote Jerry has found
Average monthly savings for drivers who switch and find savings
Austin rates have climbed steadily since 2021, driven by population growth on I-35, a surge in hail claims across Central Texas and a ~15% uninsured driver rate that gets baked into everyone’s premium. Most drivers renew without shopping around, which means their insurer captures the full rate increase while competing carriers don’t get noticed.
Real recent quotes Jerry found for Austin drivers
Here are some recent quotes Jerry has pulled for drivers in Austin. These aren’t sample rates — they’re actual quotes pulled for Austin drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.
Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.
Jerry pulls up to 20 quotes from top rated carriers.
What are the cheapest car insurance companies in Austin?
A few factors that shift which carrier wins:
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What you’re bundling changes the math significantly. Adding renters or homeowners coverage to your auto quote unlocks valuable discounts that can flip a carrier from one of the pricier options to one of the more competitive ones.
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Your vehicle affects more than just collision cost. Trucks and SUVs — which dominate the roads in Austin — tend to carry higher liability exposure, and not every carrier prices that the same way.
That said, the right carrier for you depends on your driving record, age and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.
Cheapest carriers in Austin by average, state minimum coverage
Based on Jerry data from the past 12 months.
Cheapest carriers in Austin by average, full coverage
Based on Jerry data from the past 12 months.
Compare 100+ insurers through Jerry in less than 5 minutes
Why is car insurance expensive in Austin?
🚗 Rapid population growth
Austin added over 150,000 residents between 2020 and 2024, making it one of the fastest-growing metros in the US. More drivers means more accidents and more claims.
🛣️ Traffic congestion
Austin consistently ranks among the worst US cities for commute times. Stop-and-go traffic on I-35, MoPac and 183 raises collision frequency and claims costs.
⛈️ Severe weather risk
Hail storms are common across Central Texas and can total vehicles. The 2025 storm season generated hundreds of millions in auto claims statewide.
⚠️ Uninsured drivers
Texas has an uninsured driver rate of nearly 15%, per III. When you’re hit by an uninsured driver, your insurer absorbs the cost, which gets factored into everyone’s premiums. This means having uninsured motorist coverage is especially important in Austin, to protect you if you’re hit by a driver without insurance or not enough coverage.
No-fault vs. at-fault: Texas is an at-fault state. If you’re in an accident, the at-fault driver’s liability coverage pays for damages. This means having uninsured motorist coverage is especially important in Austin given the 14% uninsured rate.
Austin car insurance rates by ZIP code
Car insurance in Austin isn’t priced by city, it’s priced by block. Insurers look at crime rates, traffic density and local claims history when setting your rate, which means two drivers with identical cars and records can pay very different premiums just because of where they park at night.
Cheapest ZIP codes
The cheapest ZIPs in Jerry’s Austin data don’t share a single geography; they range from the Lake Travis corridor and far southwest Austin to central neighborhoods like Rosedale and east Austin’s industrial fringe. What they do share is lower traffic density relative to their ZIP code size, historically lower theft rates and fewer high-frequency intersection clusters that drive up claim frequency.
78734
Lakeway
78739
Shady Hollow
78742
Riverside/Colorado River corridor
78756
Rosedale
Most expensive ZIP codes
The most expensive ZIPs in Jerry’s Austin data span several distinct parts of the city, from the southeast corridor near Del Valle to the dense university district and North Austin’s Rundberg area. The common thread isn’t geography but risk profile: high traffic volume, elevated theft rates and dense claims activity push premiums well above the city average in each of these ZIPs.
78719
Southeast Austin/Airport area
78617
Austin metro
78705
UT Austin district
78753
Rundberg
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Coverage levels
Basic:
Standard:
Preferred:
* Full coverage includes comprehensive & collision coverage. Coverages may differ in
no-fault states.
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Austin car insurance rates by driver profile
ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate, not the first. Age, driving record and credit score typically move the needle more.
Here’s what Jerry’s Austin data shows for each, and what it actually means for your quote.
By age
Austin skews young. The city’s median age is 34, which means a larger share of drivers here sit in the 21–35 bracket than in many Texas metros. That matters because the biggest rate cliff isn’t at 18 or 21, it’s at 25.
Beyond the teen years, Jerry’s Austin data shows that the next biggest decrease comes from entering the 25-34 age group. If you’re 24 and wondering why your rate feels punishing, that’s why… and it will correct itself faster than most carriers will tell you.
Average cost of insurance in Austin by age group, state minimum
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Average cost of insurance in Austin by age group, full coverage
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
By driving record
What most drivers also don’t realize: that surcharge has a hard expiration. In Texas, the window is typically three years, after which most carriers re-rate you at the cleaner tier. If you’re past that mark and haven’t re-shopped, there’s a good chance you’re still paying accident rates on what’s now a clean record. Jerry will monitor and automatically look for better rates for you, both when violations fall off and at renewal time. If you can save by switching, we’ll let you know.
One more thing to note: In some cases, the average price change for drivers with a single violation may feel low or prices can even appear to drop, especially for state minimum coverage. However, this actually reflects the wide carrier mix that Jerry quotes for ticketed drivers, versus insurers actually rewarding violations. Drivers with tickets often get matched with non-standard carriers, which can quote more competitively at minimum-coverage levels. Jerry’s full coverage data, where the carrier mix is more stable, shows a more expected pricing pattern.
Average cost of state minimum coverage in Austin, by driving record
Based on Jerry customers over the past 12 months across a range of driving record profiles.
Average cost of full coverage in Austin, by driving record
Based on Jerry customers over the past 12 months across a range of driving record profiles.
By credit score
Average cost of state minimum coverage in Austin, by credit score
Based on Jerry customers with clean driving records over the past 12 months in the age group 35-44, driving a 2015-2020 Toyota Camry.
Average cost of full coverage in Austin, by credit score
Based on Jerry customers with clean driving records quoting a Basic + Full Coverage tier over the past 12 months in the age group 35-44, driving a 2015-2020 Toyota Camry.
See coverage options for your car.
4 ways Austin drivers can lower their car insurance
If you’re looking to find the cheapest car insurance in Texas, below are four top tips that Jerry’s agents have found.
Jerry Agent Tip 1: Compare quotes to find the cheapest rate
Insurance rates in Austin shifted significantly after the 2021 winter storm and COVID-era claims spike. Your insurer raised rates, but others may not have. Comparing quotes takes just a few minutes through Jerry, and drivers in Austin can often save money in the process. Each insurer rates your driving history in its own way, so one company might offer a lower price than another for the exact same coverage.
Shopping around is one of the simplest ways to find cheaper insurance while still covering your needs. Here you can see how recent Jerry customers have received different quotes for the same coverage.
Recent customer quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.
Jerry Agent Tip 2: Lower your premium by stacking discounts
Drivers in Austin can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need. Jerry automatically searches for discounts you qualify for so you don’t miss a chance to save.
Key takeaway: Discounts can make a real difference, and Jerry ensures you don’t miss out. Our app automatically finds and stacks savings that apply to you.
Jerry Agent Tip 3: Balance protection and price to find the right coverage
Choosing the right mix of coverage helps drivers in Austin stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.
When you find the best balance between cost and protection, driving feels a lot more secure. Here are coverage options available to drivers in Austin:
Minimum
$89 – $165/mo
Meets Texas’ state-required coverages (including bodily injury liability, property damage liability, PIP and uninsured motorist), but does not cover damage to your own vehicle.
Full
$177 – $343/mo
Adds collision and comprehensive coverage for your car. This protection is often required if your vehicle is leased or financed.
Standard
$213 – $413/mo
Includes uninsured/underinsured motorist coverage and expanded medical payments or PIP.
Preferred
$198 – $386/mo
Offers higher liability limits, lower deductibles and extras like towing and rental reimbursement for more complete protection.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Jerry recommends: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Get personalized car insurance rates now.
Jerry Agent Tip 4: Pick the right deductible
Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.
Here’s a look at the deductibles Jerry drivers chose in the past year:
To find the ideal deductible:
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Check your car’s value (Jerry tracks this for you monthly).
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Choose what you can afford out-of-pocket.
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See how deductibles change your rate in real time.
The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.
Texas car insurance minimums: What’s required in Austin
Texas is an at-fault state with mandatory 30/60/25 liability minimums. Here are the minimum requirements in Texas:
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$30,000 of bodily injury per person.
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$60,000 of bodily injury per accident.
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$25,000 for property damage.
Driving without insurance can result in fines of $175 to $350 for a first offense, and $1,000 for subsequent offenses. According to the Insurance Information Institute (III), nearly 15% of Texas drivers are uninsured.
Buying the minimum isn’t enough, though, and most Austin drivers carrying only the state minimum are actually underinsured. Jerry can help you find affordable full coverage starting at just $193/mo.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
FAQ
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How much is car insurance in Austin, TX?
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Who has the cheapest car insurance in Austin?
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Why is car insurance so expensive in Austin compared to other Texas cities?
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Does my Austin ZIP code affect my car insurance rate?
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What is the minimum car insurance required in Texas?
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How can I lower my car insurance rate in Austin?