Car Insurance Cost in Austin, TX – Averages + Cheapest (2025)

• Average car insurance cost in Austin is $2,272 per year, or about $189 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Austin include the Nissan Altima at $205 per month, GMC Sierra at $209, and Honda Civic at $168.
• Compact SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, Mazda CX-5, and Toyota Corolla Cross are the best choices for cheap car insurance in Austin.
• A few models with segment-leading car insurance rates include the Jaguar E-Pace at $2,126 per year, Chevrolet Tahoe at $2,136 per year, Mercedes-Benz CLA250 at $2,340 per year, and Toyota GR Corolla at $1,974 per year.
• Auto insurance quotes in Austin can range significantly from as low as $37 per month for the minimum required liability coverage to well over $662 per month drivers with many accidents and violations.

How much does car insurance cost in Austin?

Average car insurance cost in Austin is $2,272 per year, which is 2.3% more than the national average rate of $2,221. The average monthly cost of car insurance in Austin is $189 for a policy with full coverage.

In the state of Texas, the average car insurance cost is $2,350 per year, so the average cost in Austin is $78 less per year. When prices are compared to other larger cities in Texas, the cost of car insurance in Austin is approximately $76 per year cheaper than in San Antonio, $240 per year less than in Houston, and $248 per year cheaper than in Dallas.

The chart below shows average Austin, TX, car insurance cost for all 2024 models. Rates are averaged for all Austin Zip Codes and shown by driver age and policy deductible amounts.

In the chart above, the cost of car insurance in Austin ranges from $1,598 per year for a 60-year-old driver with a policy with high physical damage deductibles to $5,318 per year for a 20-year-old driver with a low deductible. From a monthly budget standpoint, the average cost in the chart above ranges from $133 to $443 per month.

Car insurance rates can cost significantly different amounts and depend on a lot of factors. The potential for large premium differences stresses the need to get multiple auto insurance quotes when shopping online for more affordable auto insurance.

The age of the driver is one of the largest factors in the price you pay for auto insurance. The list below illustrates these differences by showing the difference in average car insurance rates in Austin for driver ages from 16 to 60.

Average cost of car insurance in Austin for drivers age 16 to 60

• 16-year-old driver – $8,091 per year or $674 per month
• 17-year-old driver – $7,838 per year or $653 per month
• 18-year-old driver – $7,026 per year or $586 per month
• 19-year-old driver – $6,398 per year or $533 per month
• 20-year-old driver – $4,574 per year or $381 per month
• 30-year-old driver – $2,424 per year or $202 per month
• 40-year-old driver – $2,272 per year or $189 per month
• 50-year-old driver – $2,018 per year or $168 per month
• 60-year-old driver – $1,888 per year or $157 per month

The rates above for teen drivers assumed a male driver. The next chart gets more specific and shows average car insurance cost for teenagers in Austin, Texas, by gender. Teenage female drivers cost a lot to insure, but they are usually cheaper than male drivers of the same age.

Car insurance for a female 16-year-old driver in Austin costs an average of $531 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is much less but is still $988 per year cheaper for females.

Popular vehicles in Austin and the cost to insure them

The rates referenced earlier in this article take all 2024 models and come up with an average cost, which is practical when making general comparisons like the average cost difference between different locations in Texas.

Average auto insurance rates are good for answering questions like “is Austin car insurance cheaper than Fort Worth?” or “is car insurance in Texas cheaper than Florida?”.

For more accurate auto insurance comparisons, however, we will get better data if we perform a rate analysis for the specific model of vehicle being insured. Each make and model has it’s own profile for determining how much it costs to insure it and this data makes it possible to perform insurance cost projections and comparisons.

This next list displays average insurance rates for both annual and monthly policy terms in Austin for some of the most popular cars, trucks, and SUVs. Towards the end of this article, there is a section that explores the ins-and-outs of insuring a few of these models in more detail.

Average auto insurance cost for popular models in Austin

• Nissan Altima – $2,642 per year or $220 per month
• GMC Sierra – $2,694 per year or $225 per month
• Honda Civic – $2,159 per year or $180 per month
• Jeep Grand Cherokee – $2,443 per year or $204 per month
• Ford Explorer – $2,212 per year or $184 per month
• Hyundai Elantra – $2,646 per year or $221 per month
• Chevrolet Silverado – $2,692 per year or $224 per month
• Jeep Cherokee – $2,624 per year or $219 per month
• Mazda CX-5 – $1,990 per year or $166 per month
• Nissan Rogue – $2,191 per year or $183 per month

Popular vehicle models in Austin tend to be compact and midsize cars like the Toyota Corolla and Nissan Altima and small or midsize SUVs like the Toyota RAV4, Ford Escape, and Jeep Grand Cherokee.

Additional popular vehicles from different automotive segments include luxury SUVs like the Acura MDX and Lexus RX 350, luxury cars like the Lexus ES 350 and Acura ILX, and pickup trucks like the Chevy Silverado and Ford Ranger.

We get into more auto insurance rates in a little bit, but before we delve that deep, let’s rehash the comparisons and key concepts that were discussed so far.

• Austin car insurance rates are cheaper than the Texas state average – $2,272 (Austin average) versus $2,350 (Texas average)
• Car insurance rates drop a lot between ages 20 and 30 – The average 30-year-old Austin, Texas, driver will pay $2,150 less per year than a 20-year-old driver, $2,424 compared to $4,574.
• Average cost per month ranges from $157 to $674 – That is the average car insurance cost range for insured drivers age 16 to 60 in Austin, TX.
• A low deductible policy costs more – A 20-year-old driver pays an average of $1,222 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Teen females pay less than teen males – Female drivers age 16 to 19 pay $988 to $531 less annually than male drivers of the same age.
• Car insurance gets cheaper as you get older – Average auto insurance rates for a 40-year-old driver in Austin are $2,302 per year cheaper than for a 20-year-old driver.

Which vehicles cost the least to insure in Austin?

The models with the cheapest car insurance prices in Austin tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, Toyota Corolla Cross, and Buick Envision. Average auto insurance quotes for those compact SUVs cost $1,974 or less per year for full coverage car insurance.

Some additional vehicles that are ranked high in our cost comparison are the Volkswagen Tiguan, Kia Niro, Buick Encore, and Nissan Murano.

Average insurance cost is a little bit more for those models than the cheapest small SUVs at the top of the rankings, but they still have average rates of $177 or less per month in Austin.

The following table shows the 25 car, truck, and SUV models with the cheapest auto insurance in Austin, sorted by average cost.

A list of 25 of the cheapest vehicles to insure in Austin serves the purpose if you just want the absolute lowest rates. A more useful way to examine auto insurance rates in an organized fashion is by breaking them out by automotive segment.

This next article section illustrates the average price of car insurance in Austin for each vehicle segment. The average rates shown should provide a better idea of which vehicles have the best average auto insurance rates. After the chart, the next sections break out the cheapest rates for individual vehicles in the most popular segments.

Austin auto insurance rates by automotive segment

When shopping for a new or used vehicle, it’s useful to know which kinds of vehicles have cheaper insurance rates. For instance, maybe you want to know if minivans are more affordable to insure than SUVs or which size car has cheaper auto insurance.

The chart below displays average car insurance rates in Austin for different vehicle segments. Typically, compact and midsize SUVs, vans, and midsize pickups have the best rates, while sports cars and performance luxury models have the highest average cost to insure.

Average rates for different segments are fine for blanket comparisons, but rates vary quite a lot within each segment listed in the above chart.

For example, in the small luxury car segment, Austin insurance rates range from the Acura Integra at $2,024 per year for full coverage insurance up to the BMW M340i costing $2,776 per year, a difference of $752 within that segment.

As another example, in the large SUV segment, insurance rates range from the Chevrolet Tahoe at $2,136 per year up to the Toyota Sequoia at $2,844 per year, a difference of $708 within that segment.

In the upcoming sections, we eliminate this variability by analyzing the cost of car insurance in Austin for individual models.

Cheapest car insurance rates in Austin, TX

Ranked at #1 in Austin for cheapest auto insurance rates in the non-luxury sedan segment is the Toyota GR Corolla, at $1,974 per year. Second place is the Nissan Leaf costing $1,992 per year, ranking third is the Honda Civic, at an average of $2,012 per year, and the fourth most affordable is the Nissan Sentra, costing an average of $2,080 per year.

Some other cars that have affordable average insurance rates are the Chevrolet Malibu, Kia K5, Toyota Corolla, and Honda Accord, with average annual insurance rates of $2,212 per year or less.

From a monthly standpoint, auto insurance in Austin on this segment for a middle-age safe driver starts at around $165 per month, depending on the company and your location.

When rates are compared by vehicle size, the cheapest non-luxury compact car to insure in Austin is the Toyota GR Corolla at $1,974 per year, or $165 per month. For midsize models, the Kia K5 has the cheapest rates at $2,190 per year, or $183 per month. And for full-size sedans, the Chrysler 300 is cheapest to insure at $2,166 per year, or $181 per month.

The rate comparison table below ranks the twenty cars with the most affordable insurance in Austin.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Texas.

Cheapest SUV insurance rates in Austin, TX

Taking the top spot in Austin for cheapest insurance in the non-luxury SUV segment is the Subaru Crosstrek, coming in at $1,678 per year. Second place is the Chevrolet Trailblazer costing $1,708 per year, and the third cheapest is the Kia Soul, costing an average of $1,776 per year.

Not the cheapest in the list, but still ranking well, are models like the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Mazda CX-5, with average annual insurance rates of $1,862 per year or less.

Additional SUVs worth mentioning include the Subaru Ascent, Volkswagen Taos, Honda CR-V, Buick Encore, and Kia Niro, which cost between $1,862 and $1,980 per year for full-coverage insurance.

Auto insurance rates in this segment for a safe driver starts at around $140 per month, depending on the company. The rate comparison table below ranks the twenty SUVs with the most affordable average auto insurance rates in Austin.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Austin car insurance quotes from top auto insurance companies in Texas.

Cheapest sports car insurance rates in Austin

Taking the top spot in Austin for cheapest average insurance in the sports car segment is the Mazda MX-5 Miata, costing an average of $2,104 per year. Second place is the Toyota GR86 costing $2,396 per year, and in third place is the Ford Mustang, at an average of $2,496 per year.

Other models that rank well include the Lexus RC F, Toyota GR Supra, Subaru BRZ, and Nissan Z, with average cost of $2,716 per year or less.

Additional cars that rank well include the Porsche 911, Jaguar F-Type, Mercedes-Benz AMG GT53, BMW M3, and BMW M4, which average between $2,716 and $3,850 per year to insure in Austin.

Auto insurance in Austin for this segment can cost as low as $175 per month, depending on where you live and the company you use. The comparison table below ranks the sports cars with the lowest-cost car insurance in Austin, starting with the Mazda MX-5 Miata at $175 per month and ending with the Porsche Taycan at $321 per month.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Austin.

Cheapest pickup truck insurance rates in Austin

The Chevrolet Colorado takes the #1 ranking as the most affordable pickup truck to insure in Austin, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model costs an average of $2,002 per year to insure with full coverage.

Not the cheapest, but still very affordable, are pickups like the Hyundai Santa Cruz, GMC Canyon, GMC Sierra 2500 HD, and Toyota Tacoma, with an average car insurance cost of $2,338 per year or less.

On a monthly basis, full-coverage insurance on this segment in Austin for a safe driver will start around $167 per month, depending on your company and location.

The rate comparison table below ranks the twenty pickups with the cheapest average insurance rates in Austin, starting with the Chevrolet Colorado at $167 per month and ending with the Ram Truck at $219 per month.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Austin car insurance quotes from top-rated companies in Texas.

Cheapest luxury car insurance rates in Austin, Texas

The top three luxury cars with the cheapest auto insurance rates in Austin are the Acura Integra at $2,024 per year, the BMW 330i at $2,314 per year, and the Mercedes-Benz CLA250 at $2,340 per year.

Some other luxury cars that have cheaper rates are the Lexus ES 350, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus RC 300, with an average car insurance cost of $2,390 per year or less.

Full-coverage auto insurance in Austin for this segment for the average driver starts at around $169 per month, depending on your location and insurance company.

When prices are compared by vehicle size, the most affordable small luxury car to insure in Austin is the Acura Integra at $2,024 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,340 per year. And for large luxury car models, the Audi A5 has the most affordable rates at $2,700 per year.

The table below ranks the luxury cars with the lowest-cost insurance in Austin.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Austin car insurance quotes from top companies in Texas.

Cheapest luxury SUVs to insure in Austin, TX

Ranking highest for the lowest-cost Austin car insurance rates in the luxury SUV segment are the Cadillac XT4, Jaguar E-Pace, Acura RDX, Cadillac XT5, and Lexus NX 250. Auto insurance quotes for these 2024 models average $2,146 or less per year, or around $179 per month.

Additional luxury SUVs that have cheaper rates are the Lexus UX 250h, Lincoln Corsair, Lexus NX 450h, and Lexus NX 350h, with average rates of $2,192 per year or less.

Some additional models that made the list include the Lexus RX 350, Lexus NX 350, Mercedes-Benz GLA250, Cadillac XT6, and Land Rover Evoque, which cost between $2,192 and $2,280 per year for insurance in Austin.

Auto insurance rates in this segment for the average driver starts at around $159 per month, depending on the company.

The most affordable small luxury SUV to insure in Austin is the Acura RDX at $1,902 per year. For midsize luxury SUVs, the Jaguar E-Pace has the best rates at $2,126 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,550 per year.

The comparison table below ranks the twenty SUVs with the cheapest car insurance rates in Austin, starting with the Acura RDX at $159 per month and ending with the Lexus RX 350 at $190 per month.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Austin car insurance quotes from top-rated auto insurance companies in Texas.

Tips for saving money on Austin auto insurance

Smart drivers in Austin should always be thinking of ways to save money on insurance So read through the savings tips below and maybe you’ll find a way to save some money.

• If your car is older, remove unneeded coverages. Dropping full coverage from older vehicles can cut the cost of car insurance significantly.
• Being a good driver saves money. Too frequent at-fault accidents can raise rates, potentially up to $1,098 per year for a 30-year-old driver and as much as $684 per year for a 50-year-old driver. So drive safe and save money!
• Raising deductibles results in a cheaper policy. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Remain claim free. Most insurers offer discounts if you have not filed any claims. Insurance should be used for significant claims, not for minor claims that can easily be paid out-of-pocket.
• Buy vehicles with low cost insurance rates. Vehicle performance is a big factor in the price you pay for auto insurance. For example, a Volvo XC40 costs $666 less per year to insure in Austin than a Chevrolet Camaro. Drive cheaper models and save money.
• Get cheaper rates by researching policy discounts. Savings may be available if the policyholders work in certain occupations, are homeowners, choose electronic billing, are claim-free, take a defensive driving course, or many other policy discounts which could save the average Austin driver as much as $382 per year.
• Raise your credit score for cheaper insurance rates. Having a high credit rating of over 800 could save a minimum of $357 per year compared to a lower credit score of 670-739. Conversely, a lower credit rating could cost as much as $414 more per year. Not all states use credit score as a rating factor, so check with your agent or company.