Cheap Auto Insurance in Austin (2025)

Tech boom or not, you can still lock in $34/month liability in the Capital City. Enter your ZIP to compare GEICO, USAA, Dairyland and home-grown carriers (start with this GEICO online quote breakdown for Austin). Prefer to see how the whole state ranks? Check the Texas guide. Finished with Austin? See deals in San Antonio or Dallas.

Check Car Insurance Prices Near You

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Cheapest Companies (ZIP 78745 sample)

Want more than just price? You can compare policies from American Family to explore bundling or flexible coverage options. Also, be sure to review company ratings by ZIP to ensure your provider is financially strong and reliable in Texas.

ZIPs With Biggest Savings

• 78717 (Round Rock) – 19 % below city average.
• 78702 (East Austin) – 15 % above average.
• 78660 (Pflugerville) – 11 % cheaper thanks to lower theft rates.

Quick Discounts

1. GEICO DriveEasy or Progressive Snapshot – 10-25 % off.
2. Defensive-driver course accepted by TxDPS – 6-8 % for three years.
3. Bundle with renters or condo insurance (popular with downtown apartments) – 15-20 %.
4. EFT or pay-in-full – 5-8 %.

SR-22 & DUI in Travis County

First DWI adds ~75 % to premiums. Find lower SR-22 filings in our Texas SR-22 guide, or compare coastal rates in Houston.

FAQ – Austin Car Insurance 2025

Cheapest Austin ZIP?
78717 currently has the lowest 2025 premiums.

Why are rates climbing downtown?
Claim costs rose with traffic density; comprehensive up 4 % after 2024 hail.

Texas minimum liability?
$30k / $60k / $25k (BI/PD); many drivers choose 50/100/50 for I-35 coverage.

Need more help navigating options? Return to the main insurance quote hub to explore other cities, companies, and tools by ZIP.