Who Has the Cheapest Car Insurance in Austin, Texas?

The average cost of car policy in Austin, Texas, is $ 979 per class, or $ 82 per month, for a minimum-coverage policy .

Compare Car Insurance Rates in Austin, Texas

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ValuePenguin gathered quotes from nine of the largest car insurers in Texas and found that State Farm offers the cheapest minimum coverage insurance in Austin. Premiums from State Farm average $ 50 per month for minimum coverage. however, the cheapest wide coverage comes from Fred Loya with an average rate of $ 95 a month .
Austin is one of the most populous cities in Texas, and residents pay slenderly higher car indemnity premiums to reflect that risk. The modal monetary value of minimum liability car insurance in Austin is $ 979, whereas the statewide intend is $ 926 .
Depending on the insurance company you choose, rates for full coverage in Austin disagree by more than $ 4,000 per year. That ‘s why we recommend getting multiple quotes before buying a policy .

Cheapest auto insurance in Austin: State Farm

State Farm has the best rates for Austin drivers seeking minimal coverage. The average annual bounty among the companies in our study is $ 979, but State Farm customers pay 39 % less — precisely $ 595 per year. Fred Loya has the second-best rates for Austin drivers, charging $ 636 per year, and Nationwide has the third-best rates, charging $ 891 per year. If you ‘re looking for low-cost minimal coverage insurance in Austin, we ‘d recommend getting quotes from these three companies .
Cheapest car insurance companies in Austin, Texas.

Compare Car Insurance Rates in Austin, Texas

presently insured ? Cheap premiums make minimal indebtedness coverage seem like an attractive option, but drivers should be mindful that minimum coverage offers no protection for their own car. These policies are low-cost because they only pay for damage to the other driver ‘s property or person .

Cheapest full coverage car insurance in Austin: Fred Loya

Austin drivers looking for full coverage should contact Fred Loya for a quote. The average cost of full coverage in Austin is $ 2,690, but Fred Loya charges merely $ 1,144. That saves drivers $ 1,546 per class. We ‘d besides recommend getting quotes from State Farm for full coverage. State Farm has a much stronger customer serve repute than Fred Loya, and coverage costs only $ 13 more each month. USAA is a great option for members of the arm forces and their families ; customer service is excellent, and premiums are only $ 12 more per calendar month than what Fred Loya charges .

Rank

Company

Annual rate

1 Fred Loya $1,144
2 State Farm $1,294
3 Geico $2,212
4 Nationwide $2,263
5 Chubb $2,650
6 Dairyland $3,638
7 Allstate $4,459
8 MetLife $5,266
N/A* USAA $1,285

Full coverage car insurance includes collision and comprehensive coverage, which protect your own cable car .

  • Comprehensive coverage: Covers damage to your car that results from non-collision incidents, such as a fallen tree branch, a wild animal or storm damage.
  • Collision coverage: Pays for repairs to your car after a collision with another driver or an object, no matter who is responsible for the incident.

Cheap car insurance for drivers with prior incidents

car policy costs more if you ‘ve been in an accident or received a speeding ticket or DUI citation. A poor credit rating mark can besides raise your annual premiums. insurance companies view these factors as signs of increased risk and adjust rates consequently .
ValuePenguin identified the most low-cost insurers for Austin drivers with the keep up incidents on their records :

Cheapest car insurance in Austin after an accident: Fred Loya

The cheapest car insurance for Austin drivers with an at-fault accident on their record comes from Fred Loya, State Farm and Geico. Rates from these three insurers averaged $ 2,141 annually for full coverage. That ‘s about 50 % less than the median cost in Austin, which is $ 4,251. just one at-fault accident can significantly raise the cost of indemnity. We found that rates in Austin go up by 58 % after an at-fault accident, on average .

Rank

Company

Annual rate

1 Fred Loya $1,438
2 State Farm $1,534
3 Geico $3,451
4 Nationwide $3,497
5 Chubb $4,525
6 Dairyland $4,796
7 Allstate $7,142
8 MetLife $9,944
N/A* USAA $1,927

Cheapest car insurance for people with a speeding ticket: Fred Loya

A rush tag in Austin increases the average monetary value of full coverage by $ 193, making it the least costly incidental you can have on your record. An at-fault accident raises average rates by $ 1,561, while a DUI raises them by $ 1,925 .
In fact, we found that Fred Loya and State Farm do not raise rates at all for a speed ticket. This means that they are 60 % and 55 % cheaper than the city average, respectively .
If you ‘re looking for quotes after a rush slate, begin with these two insurers .

Rank

Company

Annual rate

1 Fred Loya $1,144
2 State Farm $1,294
3 Chubb $2,650
4 Geico $2,659
5 Nationwide $2,727
6 Dairyland $4,294
7 Allstate $4,459
8 MetLife $5,266
N/A* USAA $1,451

Cheapest car insurance for drivers with a DUI: Fred Loya

Driving under the charm of alcohol raises your rates by 72 % in Austin .
If you ‘ve received a DUI citation, get quotes from Fred Loya, State Farm and Dairyland. Rates from these three insurers are 45 % cheaper than the city average for drivers with a DUI, which is $ 4,615 for full coverage .

Rank

Company

Annual rate

1 Fred Loya $1,932
2 State Farm $2,007
3 Dairyland $3,657
4 Geico $3,908
5 Nationwide $4,462
6 Chubb $5,745
7 Allstate $7,071
8 MetLife $10,813
N/A* USAA $1,944

Cheapest car insurance for drivers with poor credit: Fred Loya

Some insurers will see a low credit seduce as a signboard of increased risk and increase your rates. The average cost of full coverage for Austin drivers with poor people credit is $ 3,360. To put that in perspective : Drivers with average credit rating yield $ 2,234, and drivers with very effective credit pay $ 1,726 on average .
Fred Loya is the exception to this rule. Our analysis of car policy quotes in Austin found that the company charges the lapp rates, no matter what your credit sexual conquest is. full coverage from Fred Loya costs $ 1,144 per annum .

Rank

Company

Annual rate

1 Fred Loya $1,144
2 State Farm $2,009
3 Nationwide $2,558
4 Geico $3,122
5 Chubb $3,458
6 Allstate $4,074
7 Dairyland $4,120
8 MetLife $7,802
N/A* USAA $1,953

Cheapest car insurance for married drivers: Fred Loya

Fred Loya has the cheapest rates for married drivers in Austin, charging just $ 1,047 per year for wide coverage. That ‘s $ 1,403 less expensive than the average rate for married drivers in the city and $ 97 less expensive than Loya ‘s average rate for single drivers. Insurers often charge married drivers lower rates than unmarried drivers. average rates for married drivers in Austin are $ 240 cheaper per year, according to ValuePenguin ‘s psychoanalysis .

Rank

Company

Annual rate

1 Fred Loya $1,047
2 State Farm $1,294
3 Nationwide $2,088
4 Geico $2,307
5 Chubb $2,650
6 Dairyland $3,400
7 Allstate $3,931
8 MetLife $4,229
N/A* USAA $1,110

Cheapest car insurance for young drivers: Fred Loya

average car insurance rates for entire coverage in Austin were $ 4,473 more expensive for our sample 18-year-old driver than for our 30-year-old driver .
We urge all youthful drivers to stay on their parents ‘ insurance if at all possible. If that ‘s not feasible, startle by getting quotes from Fred Loya and State Farm. Fred Loya ‘s premiums are 48 % cheaper than the city average and State Farm ‘s are 44 % cheaper. State Farm offers a good scholar discount rate and a student-away-at-school discount that can help young drivers shave even more off their premiums .

Rank

Company

Annual rate

1 Fred Loya $3,720
2 State Farm $4,025
3 Geico $4,728
4 Chubb $7,027
5 Dairyland $8,384
6 Allstate $8,493
7 Nationwide $8,506
8 MetLife $17,237
N/A* USAA $2,348

Best auto insurance companies in Austin, Texas

A ValuePenguin view on customer satisfaction found that USAA, Nationwide and State Farm had the highest percentage of customers who were “ extremely satisfied ” with their most late claim know. If potent customer service is a peak priority, reach out to these insurers .
To learn more about the customer service reputations of the insurers in our study, visit our Texas car policy cogitation .

Average car insurance cost in Austin, by ZIP code

We found that residents of Austin ZIP code 78737 paid the lowest median premiums, while residents of ZIP code 78741 paid the highest premiums. Insurers set rates based on factors like dealings, crime rates and the number of uninsured drivers in a given area .

ZIP code

Average full coverage insurance cost

Average minimum coverage insurance cost

78617 $2,840 $1,035
78653 $2,747 $1,013
78701 $2,666 $960
78702 $2,792 $1,008
78703 $2,643 $956

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Auto theft statistics in Austin

ValuePenguin ‘s review of 2019 FBI crime data found that Austin residents have a three in 1,000 opportunity of having their car stolen. Out of the 11 most populous cities in Texas, Austin has the seventh-highest rate of cable car larceny .

Rank

City

Population

Car thefts

Thefts per 1,000

1 Dallas 1,363,295 10,257 7.5
2 Houston 2,355,606 13,098 5.6
3 San Antonio 1,559,166 7,781 5.0
4 Lubbock 259,208 1,225 4.7
5 Fort Worth 915,237 3,335 3.6

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Methodology

This ValuePenguin study pulled thousands of quotes from nine of the largest insurers in Texas. Our sample driver received rates for entire coverage unless otherwise noted. He is a 30-year-old male who drives a 2015 Honda Civic EX and has an average credit score .
We gave our driver the comply full coverage limits :

Coverage type

Study limits

Bodily injury liability $50,000 per person/$100,000 per accident
Personal injury protection $10,000
Property damage liability $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible

quadrant Information Services supplied ValuePenguin with the indemnity pace data used in this analysis. Rates were publicly sourced from insurance company filings and should be used entirely for comparative purposes. Your own quotes will likely differ based on your own drive history, credit, long time and sex .

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