Best Car Insurance in Austin 2021

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Car insurance in Austin Texas costs single-car drivers an average of $2,591 annually, or about $216 per month. Compared to the state annual average of $2,640, auto insurance in Austin is $48 lower.
Here’s how much real Jerry customers pay for insurance in Austin:

Real quotes for Jerry customers in Austin, Texas

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
August 28, 2021Mazda Protege Pr5TX31ProgressiveCurrent$115/mo.$81/mo.
June 27, 2021Nissan Versa STX25TravelersCustom$162/mo.$100/mo.
August 27, 2021Hyundai Tucson LimitedTX27MercuryCurrent$197/mo.$106/mo.
April 3, 2021Hyundai Sonata SETX25SafecoCurrent$165/mo.$107/mo.
July 8, 2021Nissan Altima 2.5TX54ElectricCustom$184/mo.$116/mo.
The best way to secure the right plan for lower premiums in Austin is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inAustin have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Austin, Texas

Insurance Company
Before Jerry
After Jerry
State Auto$1,800$778
Kemper$2,568$1,530
Allstate$2,530$1,603
Safeco$2,824$1,978
Travelers$2,879$2,033
Nationwide$2,938$2,073
National General$3,632$2,316
Dairyland$4,071$2,838

Minimum coverage car insurance in Austin

On average, the cost of minimum coverage car insurance in Austin is $1,956 per year, or $163 per month.

The minimum level of car insurance required in Austin is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Austin:
Before Jerry
After Jerry
$1,907$1,041
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,576$786
Allstate$1,684$1,076
National General$2,645$1,226
Kemper$2,624$1,463
Progressive$2,315$1,497
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Full coverage car insurance in Austin

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Austin:
Before Jerry
After Jerry
$2,500$2,107
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$1,814$1,558
Safeco$1,944$1,788
Travelers$2,179$2,087
Allstate$4,080$2,712
National General$3,120$3,064
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How does your age affect your auto insurance cost in Austin?

If you’re a driver under 25 in Austin, you could be paying as much as $73 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Austin saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,078$2,808
21-24$3,393$2,452
On the contrary, here’s how much drivers aged 25 and over in Austin pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,304$1,579
35-44$2,536$1,836
45-54$3,776$2,194
55-64$2,011$1,308
65+$2,574$1,996

Cheapest car insurance for drivers in Austin with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Austin saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,361$1,368
Other$1,680$1,154
DUI$3,019$1,210
Failure to Obey Traffic Sign$2,148$1,242
Speeding under 15$2,233$1,337
Here’s how much drivers with a bad driving record in [Austin saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$1,782$1,161
Kemper$2,522$1,326
Safeco$1,987$1,338
Progressive$2,329$1,645
Nationwide$2,427$1,810
Travelers$2,508$1,894
Dairyland$3,995$2,492
National General$4,216$2,814

Cheapest car insurance for young drivers in Austin with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,377$1,993
Other$1,680$1,154
Speeding under 15$2,400$1,950
Here’s how much young drivers with a bad driving record in [Austin saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$1,965$1,316
Progressive$2,914$1,924
Kemper$3,873$1,924
Dairyland$5,360$2,700
Travelers$3,432$2,942
Nationwide$3,000$2,952
National General$4,216$3,850
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How can you save money on car insurance in Austin

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Austin you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
July 15, 2021Volkswagen Tiguan STX30KemperCurrent$283/mo.$122/mo.
December 13, 2020Nissan Versa STX24Commonwealth InsuranceBasic$250/mo.$101/mo.
June 14, 2021Dodge ChargerTX41DairylandCustom$263/mo.$140/mo.
August 27, 2021Hyundai Tucson LimitedTX27MercuryCurrent$197/mo.$106/mo.
March 24, 2021Chevrolet Silverado K1500 LTTX30InfinityStandard$260/mo.$173/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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