Cheap Auto Insurance in Austin
Cheap auto insurance in Austin comes from matching your profile to carriers that price your ZIP, mileage, and record best. In 2025, liability can start around $34/month; full coverage swings with vehicle age and deductibles. Rates vary by neighborhood—commuter corridors along I-35 and the urban core trend higher than Round Rock or Pflugerville. Use quick wins (telematics, multi-policy bundles, slightly higher comp/collision deductibles, EFT) to cut costs fast. For a step-by-step look at how online quotes are built and which levers move price most, see this GEICO quote guide.
Check Car Insurance Prices Near You
Choose liability-only or full coverage and get live prices in seconds.
Austin-specific rates direct from insurers.Want statewide benchmarks by coverage level and ZIP? Compare against the Texas guide.
Cheapest Companies
The list below reflects a simple head-to-head snapshot for Austin based on a clean-record driver in ZIP 78745. Rankings can shift month to month as carriers adjust filed rates, discounts, and underwriting appetite. Treat this as a starting point rather than a final verdict—your own profile (vehicle, mileage, prior claims) can swing prices by 30%+.
For the lowest out-of-pocket cost, compare at least three quotes on the same coverage limits and deductibles, then test a usage-based program and a bundle (auto + renters/condo). Small tweaks—raising comp/collision deductibles by $250, adding telematics, or enabling EFT—often flip the order of the “cheapest” companies for your exact scenario.
| Insurer | Liability* | Full Cov.* |
|---|---|---|
| USAA† | $34/mo | $104/mo |
| GEICO | $37/mo | $112/mo |
| Texas Farm Bureau | $39/mo | $118/mo |
| Dairyland | $41/mo | $122/mo |
| Progressive | $44/mo | $129/mo |
Pricing the Metroplex too? See current deals in Dallas.
ZIPs With Biggest Savings (sample)
| ZIP | Area | vs. City Avg. | Notes |
|---|---|---|---|
| 78717 | Round Rock | −19% | Lower claim frequency |
| 78660 | Pflugerville | −11% | Below-average theft |
| 78745 | South Austin | ≈ City avg. | Good competition among carriers |
| 78702 | East Austin | +15% | Dense traffic corridors |
Quick Discounts You Can Trigger
- Usage-based (GEICO DriveEasy, Progressive Snapshot): 10–25%.
- Defensive-driver course (TxDPS-approved): 6–8% for three years.
- Bundle with renters/condo (popular downtown): 15–20%.
- EFT or pay-in-full: 5–8%.
SR-22 & DUI in Travis County
A first DWI can add ~75% to premiums. For lower SR-22 filing fees and insurer lists, check the Texas SR-22 guide. Want coastal comparisons? Scan current pricing in Houston.
FAQ – Austin Car Insurance 2025
Cheapest Austin ZIP?
78717 has led our 2025 samples.
Why are downtown rates climbing?
Claim costs rose with traffic density; comprehensive up ~4% after the 2024 hail season.
Texas minimum liability?
$30k / $60k / $25k (BI/PD). Many drivers choose 50/100/50 for I-35 corridors.
Exploring other cities, companies, and ZIP-based tools? Head back to the main quote hub.