Who Has The Best Car Insurance Rates In Austin?

Find the Cheapest Auto Insurance Quotes in Your Area

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The fourth largest city in the 'Lone Star State', Austin is also one of the fastest growing cities in the entire country. We studied car insurance rates across the entire Austin metro area and found that, on average, GEICO offered the lowest rate at $541 per year. However, rates can vary based on your driving history, and to get the cheapest rates you should shop around. To get multiple quotes from insurers near you, input your zip code above.

Cheapest Car Insurance Companies in Austin, Texas

We gathered quotes from 11 different companies and found that on average GEICO, USAA and Texas Farm Bureau offered the lowest auto insurance rates in Austin. The average rate across these companies was $612 per year—37% below the city average of $964. Additionally, in each of the 20 Austin neighborhoods that we gathered quotes for, one of these three companies offered the lowest rates.

5 Least Expensive Car Insurance Companies in Austin, Texas

Find the Cheapest Auto Insurance Quotes in Your Area

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There was huge variance in annual car insurance costs in Austin by insurer. Our study found that between the cheapest and most expensive insurer—which were GEICO and Mercury respectively—there was a $1,036 difference in annual cost. One year with Mercury cost almost as much as three years with GEICO.

RankCompanyAnnual Average Rate
1GEICO$541
2USAA$575
3Texas Farm Bureau$720
4State Farm$865
5Amica$913
6Encompass$948
7Cal Casualty$985
8Farmers$1,094
9Allstate$1,150
10Safe Auto$1,237
11Mercury$1,577

Average Cost of Car Insurance in Austin: by Neighborhood

Auto insurance rates in the Austin metro-area fluctuate up to 13% solely based on what part of town you're living in. Remember though, even if you live in an expensive neighborhood you can still find great rates. For example, in Del Valle—the most expensive neighborhood included on our study—drivers could pay rates as low as $552 by insuring their car through GEICO, which is 43% less than the city average.

RankNeighborhoodAverage Annual Cost of Car Insurance
1New Braunfels$908
2Georgetown$916
3Cedar Park$932
4Canyon Lake$935
5Hutto$941
6San Marcos$941
7Round Rock$953
8Kyle$946
9Leander$958
10Wimberley$953
11Dripping Springs$961
12Bastrop$963
13Lakeway$975
14Elgin$974
15Lago Vista$992
16Pflugerville$994
17Downtown Austin$1,000
18Rollingwood$1,005
19Westlake Hills$1,005
20Del Valle$1,022
Austin Average$964

Best Auto Insurance Companies in Austin

GEICO edged out the 10 other auto insurance companies we looked at, for title of cheapest car insurance rates in the Austin metro-area. Not only were they the cheapest overall, but they were the least expensive insurer in each area of the city that we looked at, with the exception of Kyle, Texas—where USAA offered the lowest rates. Rates at GEICO were 66% cheaper than the most expensive company in Austin, which was Mercury.

Auto Insurance Company

Best For…
GEICOLow Cost
USAAMilitary Members
Texas Farm BureauCustomer Service

Our top auto insurance recommendation for military members in Austin is USAA because of its low rates and unique features and discounts. Their rates were very nearly the cheapest in the city, with GEICO beating it out by only $3 per month—on average. However, Austin residents that are active military members might be interested in USAA's stored-vehicle discount of up to 60% off their rates, which can be especially useful when individuals are deployed.

While Texas Farm Bureau, didn't offer the lowest rates, they stand out for their excellent customer service. J.D. Power ranked this insurer as the best in Texas for overall customer satisfaction. One downside to the Texas Farm Bureau is that you have to be a member, and pay an annual fee of around $40 to be eligible to purchase an auto insurance policy. However, their great reputation, in addition to their generally competitive rates—25% cheaper than the Austin average—make Texas Farm Bureau worth considering if you live in the Austin area.

Car Theft Statistics in Austin, Texas

Austin ranked 18 out of the 25 metropolitan statistical areas in Texas for car thefts per capita in 2017. That's generally good news for Austinites! Theft rates weren't quite as favorable for San Antonio and Houston residents, where cars were stolen at nearly twice the rate as they were in Austin.

RankMetropolitan Statistical AreaCar Thefts Per 100,000 Residents
1Lubbock514
2Amarillo441
3San Antonio-New Braunfels353
4Houston-The Woodlands-Sugar Land340
5Odessa336
6Dallas-Fort Worth-Arlington292
7Corpus Christi285
8San Angelo281
9Beaumont-Port Arthur278
10Killeen-Temple255
11Texarkana255
12Longview254
13Midland220
14Wichita Falls219
15Sherman-Denison204
16El Paso202
17Abilene189
18Austin-Round Rock186
19Victoria181
20Waco180
21Tyler149
22McAllen-Edinburg-Mission139
23Brownsville-Harlingen136
24College Station-Bryan125
25Laredo104

Auto Insurance Agents in Austin and Travis County

Though some insurers—such as GEICO—are focused on selling auto insurance online, others are known for their large network of local agents. Having an insurance broker near you can be helpful if you have questions about your coverage or need help filing a claim. Below, we've included a list of local insurers that are likely to be near you in Austin.

City

Agent/InsurerAddress
New BraunfelsTexas State Low Cost Insurance708 South Business 35, New Braunfels, TX 78130
Allstate Insurance Agent: Nicholas Mericle1282 Hillcrest Dr, New Braunfels, TX 78130
Liberty Mutual Insurance111 W San Antonio St Ste 250, New Braunfels, TX 78130
Bill Mehrer - State Farm389 S Seguin Ave, New Braunfels, TX 78130
Pronto Insurance651 S Walnut Ave, New Braunfels, TX 78130
GeorgetownEvans Ewan & Brady Insurance Agency2404 Williams Dr, Georgetown, TX 78628
Texas State Low Cost Insurance209 S Austin Ave, Georgetown, TX 78626
Nationwide Insurance: The Dollar Agency Inc407 W University Ave Ste 100, Georgetown, TX 78626
Allstate Insurance Agent: Bryan E. Jamison1616 Williams Dr # 100, Georgetown, TX 78628
Farmers Insurance - Janna Briggs1112 W University Ave, Georgetown, TX 78628
Cedar ParkTexas State Low Cost Insurance111-A, N Bell Blvd, Cedar Park, TX 78613
Allstate Insurance Agent: Catherine Murphy930 S Bell Blvd Ste 101, Cedar Park, TX 78613
Nationwide Insurance: Halo Insurance Agency Inc921 W New Hope Dr #402, Cedar Park, TX 78613
Dowd Insurance Agency1841 S Lakeline Blvd Ste. 101-302, Cedar Park, TX 78613
David Schara - State Farm Insurance Agent12001 W Parmer Ln, Cedar Park, TX 78613
Canyon LakeCanyon Lake Insurance Agency1010 Rockmoor, Canyon Lake, TX 78133
Allstate Insurance Agent: Harbans Soni306 FM2673 18121 Ste 100, Canyon Lake, TX 78133
Bert Powell - State Farm Insurance Agent1578 FM2673, Canyon Lake, TX 78133
Texas Pride Insurance1642 FM2673 #10, Canyon Lake, TX 78133
Ability Insurance & Financial1492 FM2673, Canyon Lake, TX 78133
San MarcosNationwide Insurance: Mahan Insurance Services Inc900 Bugg Ln #240, San Marcos, TX 78666
Texas State Low Cost Insurance1404 Clarewood Dr #113, San Marcos, TX 78666
Insurance 4 Less1630 B Aquarenia Springs Drive, San Marcos, TX 78666
Allstate Insurance Agent: Brian Parker618 S Guadalupe St Ste 104, San Marcos, TX 78666
Jo Stephens - State Farm Insurance Agent1540 S Interstate 35 STe 101, San Marcos, TX 78666
HuttoTodd Durflinger - State Farm Insurance Agent107 E St, Unit A, Hutto, TX 78634
Farmers Insurance - Doug Gaul112 US-79 ste d, Hutto, TX 78634
Edmund Schmidt Insurance115 East St # 115A, Hutto, TX 78634
Farmers Insurance - Nicole Johnston401 Ed Schmidt Blvd Ste 200, Hutto, TX 78634
Rick Villarreal - State Farm Insurance2301 Red Bud Ln, Round Rock, TX 78664
KyleGermer Insurance Services3601 Kyle Crossing, Kyle, TX 78640
Perdue Insurance Group1109 Interstate 35 Frontage Rd, Kyle, TX 78640
Cory Pack - State Farm Insurance Agent121 Hall Professional Center Ste D, Kyle, TX 78640
Farmers Insurance - David Klaus1501 Bunton Creek Rd #104, Kyle, TX 78640
Fred Loya Insurance5401 Farm to Market 1626 STE 130, Kyle, TX 78640
Round RockJerry Gentry Insurance Agency1000 Heritage Center Cir, Round Rock, TX 78664
Texas State Low Cost Insurance1013 S Mays St Ste A, Round Rock, TX 78664
Rick Villarreal - State Farm Insurance2301 Red Bud Ln, Round Rock, TX 78664
Farmers Insurance - Charlie Sanchez1970 Rawhide Dr Ste 210, Round Rock, TX 78681
Allstate Insurance Agent: Mitchell Jameson2003 N Mays St Ste 102, Round Rock, TX 78664
WimberleyState Farm : Byron Eckols173 Farm to Market Rd 3237 B, Wimberley, TX 78676
De Masters-Daniel Insurance107 Summit Dr E, Wimberley, TX 78676
LeanderWaley Insurance202 N Brushy St, Leander, TX 78641
Sean Whitehead - State Farm Insurance Agent2303 S Bagdad Rd #300, Leander, TX 78641
Allstate Insurance Agent: Brian Parker719 US-183 Ste B118, Leander, TX 78641
Farmers Insurance - Ozzie McKenery2405 S Highway 183, Ste 102, Leander, TX 78641
Finder Insurance1730 Co Rd 269 # C, Leander, TX 78641
Dripping SpringsNationwide Insurance: Brown Insurance Group Inc3998 US-290 Suite A, Dripping Springs, TX 78620
Nickes Insurance1600 US-290, Dripping Springs, TX 78620
Mark Handley - State Farm Insurance Agent800 US-290, Dripping Springs, TX 78620
Hen-Crow Insurance1320 W Hwy 290, Dripping Springs, TX 78620
Farmers Insurance - Heath Nickes616 W Hwy 290, Dripping Springs, TX 78620
BastropDirect Auto and Life Insurance104 North Hasler Boulevard, Bastrop, TX 78602
Texas State Low Cost Insurance1109 Main St, Bastrop, TX 78602
Amco Insurance99 TX-150 Loop, Bastrop, TX 78602
Ai United Insurance109 S Hasler Blvd #400, Bastrop, TX 78602
Allstate Insurance Agent: Mark Lee702 Pine St, Bastrop, TX 78602
ElginBrad Carter - State Farm Insurance Agent14 N Main St ste a, Elgin, TX 78621
Germer Insurance Services115 W 2nd St, Elgin, TX 78621
Cannon Insurance Services, Inc.2619, 104 N Main St, Elgin, TX 78621
Rosado Insurance Agency106 Depot St # A, Elgin, TX 78621
Brad Carter - State Farm Insurance Agent14 N Main St ste a, Elgin, TX 78621
LakewayMark Smith - State Farm Insurance Agent1021 Ranch Rd 620 S Ste D, Lakeway, TX 78734
Allstate Insurance Charles (Chuck) Saxon - Lakeway2300 Lohmans Spur #121, Lakeway, TX 78734
Lakeway Insurance Group1150 Lakeway Dr #215, Lakeway, TX 78734
Josh Tollett - State Farm Insurance Agent107 Ranch Rd 620 S #104, Lakeway, TX 78734
The Butler Agency3315 Ranch Rd 620 S Suite 103, Lakeway, TX 78738
Lago VistaLuke Smith - State Farm Insurance Agent20500 Farm to Market Rd 1431 #100, Lago Vista, TX 78645
Allstate Insurance Agent: David Barclay6015 Lohman Ford Rd Ste 107A, Lago Vista, TX 78645
Farmers Insurance - Anthony Sanders20624 FM1431 Ste 4, Lago Vista, TX 78645
Cooper Waddill, MetLife Auto & Home21818 TX-71 #205, Spicewood, TX 78669
Anthony Hernandez Jr201 S Lakeline Blvd #104, Cedar Park, TX 78613
PflugervilleErickson Sullivan - State Farm Insurance Agent1202 Farm to Market 685 ste b4, Pflugerville, TX 78660
State Farm: Jeff Coleman111 E Main St, Pflugerville, TX 78660
Allstate Insurance Agent: Craig Sini305 N Heatherwilde Blvd Ste 150, Pflugerville, TX 78660
State Farm: Todd Durflinger2606 W Pecan St Suite 102, Pflugerville, TX 78660
Nationwide Insurance: Walinda Jacqulin Torres15635 Vision Dr #101, Pflugerville, TX 78660
Downtown AustinNationwide Insurance: Lezam & Associates700 Rio Grande St, Austin, TX 78701
Car Insurance 4 Less - Austin Agency814 San Jacinto Blvd, Austin, TX 78701
Stuart Butts Agency Nationwide - Lezam Insurance700 Rio Grande Street c, Austin, TX 78701
Jo Lynn Free Investments301 Congress Ave # 2200, Austin, TX 78701
Gainsco120 W 9th St, Austin, TX 78701
RollingwoodAllstate Insurance Agent: Steven Funk3103 Bee Caves Rd #122, Austin, TX 78746
Dick Clay - State Farm Insurance Agent3006 Bee Caves Rd Ste B170, Austin, TX 78746
Nationwide - Lewis and Partners Insurance Firm, LLC2525 S Lamar Blvd Ste 11, Austin, TX 78704
Allstate Insurance Agent: Evelyn Murphy7035 Bee Caves Rd Ste 103, Austin, TX 78746
Farmers Insurance - Jeff Felger1705 S Capital of Texas Hwy Ste 300, Austin, TX 78746
Westlake HillsKirk Ingels - State Farm Insurance Agent3701 Bee Caves Rd Ste 201, Austin, TX 78746
Farmers Insurance - O'Dan Sanchez1301 S Capital of Texas Hwy Ste A134, West Lake Hills, TX 78746
Dick Clay - State Farm Insurance Agent3006 Bee Caves Rd Ste B170, Austin, TX 78746
Felger Insurance Agency - Farmers Insurance1705 S Capital of Texas Hwy #300, Austin, TX 78746
Steve Vinklarek - State Farm Insurance Agent701 S Capital of Texas Hwy n850, Austin, TX 78746
Del ValleRight Now Insurance & More2763 TX-71, Del Valle, TX 78617
Blue Torch Insurance Agency7409 Burleson Rd, Austin, TX 78744
Ascension Insurance1901 US-183, Austin, TX 78701
A&G Insurance Agency9909 FM 969 suite e, Austin, TX 78724
Cuscatlan Insurance912 Bret Ln, Austin, TX 78721

Minimum Auto Insurance Requirements in Austin, Texas

Drivers in Austin are required to have car insurance in order to legally drive on public roads. Bodily injury liability and property damage liability are the two required coverages for Texas drivers. Additionally, Texas is one of a number of states that maintains a database of currently insured vehicles called TexasSure, which allows law enforcement officers to know which motorists are driving without a policy. Penalties for driving without insurance in Texas can include fines, vehicle impoundment and license suspension.

Insurance Coverage

Minimum Requirements
Bodily Injury Liability$30,000 per person / $60,000 per accident
Property Damage Liability$25,000 per accident

Methodology

Our study sampled quotes for a 30-year-old single male driving a 2010 Toyota Camry 10,000 to 15,000 miles per year. Our sample driver owns his car, commutes to work and has had no moving violations or accidents in the past 5 years. The policies included bodily injury and property damage liability coverages with limits slightly above the Texas requirements.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.