Car Insurance Cost in Austin, TX – Averages + Cheapest (2022)
Start Quote Compare Austin cable car insurance rates and save on your adjacent policy. What is the cheapest car insurance in Austin, TX? We compared over 150 models in six segments to find the lowest-cost vehicles to insure in Austin.

  • The average car insurance cost in Austin is $1,386 per year, or about $116 per month, for a full-coverage policy.
  • Car insurance rates for a few popular vehicles in Austin include the Nissan Altima at $129 per month, GMC Sierra at $118, and Honda Civic at $114.
  • Compact SUV models like the Mazda CX-5, Nissan Kicks, Hyundai Venue, and Buick Encore are the best choices for cheap car insurance in Austin.
  • A few models with segment-leading car insurance rates include the Cadillac XT5 at $1,364 per year, Chevrolet Tahoe at $1,392 per year, and Acura ILX at $1,276 per year, and Subaru Impreza at $1,202 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 for drivers with many accidents and violations.

How much does car insurance cost in Austin?

The average cable car policy cost in Austin is $ 1,386 per class, which is 10.6 % less than the national modal rate of $ 1,551. The average monthly price of a car policy in Austin is $ 116 for a policy with full coverage. In the state of Texas, the average car policy cost is $ 1,436 per year, so the average cost in Austin is $ 50 less per class. When prices are compared to other larger cities in Texas, the cost of car insurance in Austin is approximately $ 72 per year cheaper than in San Antonio, $ 232 per class less than in Houston, and $ 240 per year cheaper than in Dallas.

The chart below shows the average Austin, TX, car indemnity cost for all 2022 models. Rates are averaged for all Austin Zip Codes and shown by driver historic period and policy deductible amounts. Get Rates in Your Area Why is this crucial? Chart Data Details: Chart shows average Austin cable car indemnity rates for 2022 model year vehicles with a safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Austin slide fastener codes.

Data last updated on April 14, 2022

Average Car Insurance Cost in Austin, TX

Average Car Insurance Cost in Austin, TX
Driver Age Deductible Annual Cost Monthly Cost
20 $1,000 $2,334 $195
$500 $2,750 $229
$250 $3,188 $266
30 $1,000 $1,228 $102
$500 $1,462 $122
$250 $1,702 $142
40 $1,000 $1,170 $98
$500 $1,386 $116
$250 $1,608 $134
50 $1,000 $1,072 $89
$500 $1,264 $105
$250 $1,462 $122
60 $1,000 $1,050 $88
$500 $1,238 $103
$250 $1,434 $120

In the chart above, the cost of a cable car policy in Austin ranges from $ 1,050 per year for a 60-year-old driver with a policy with high physical damage deductibles to $ 3,188 per year for a 20-year-old driver with a low deductible. From a monthly budget point of view, the average price in the chart above ranges from $ 88 to $ 266 per month. car insurance rates can cost significantly different amounts and depend on a bunch of factors. The likelihood of big premium differences stresses the motivation to get multiple car insurance quotes when shopping online for the more low-cost car policies. The age of the driver is one of the largest factors in the price you pay for the car policy. The list below illustrates these differences by showing the difference in average car indemnity rates in Austin for drivers ages 16 to 60. The average cost of car insurance in Austin for drivers aged 16 to 60

  • 16-year-old driver – $4,962 per year or $414 per month
  • 17-year-old driver – $4,634 per year or $386 per month
  • 18-year-old driver – $4,328 per year or $361 per month
  • 19-year-old driver – $3,916 per year or $326 per month
  • 20-year-old driver – $2,750 per year or $229 per month
  • 30-year-old driver – $1,462 per year or $122 per month
  • 40-year-old driver – $1,386 per year or $116 per month
  • 50-year-old driver – $1,264 per year or $105 per month
  • 60-year-old driver – $1,238 per year or $103 per month

The rates above for adolescent drivers assumed a male driver. The following chart gets more specific and shows the average cable car insurance price for teenagers in Austin, Texas, by gender. Teenage female drivers cost a batch to insure, but they are normally cheaper than male drivers of the same age. Get Rates in Your Area Why is this crucial? Chart Data Details: Teenage driver rates are for the 2022 model year with $ 500 physical damage deductibles. average car insurance monetary value in Austin includes all Zip Codes and vehicle trim levels.

Data last updated on February 20, 2022

Teen Driver Car Insurance Cost in Austin, Texas

Average Car Insurance Cost in Austin, TX for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male $4,962 $4,634 $4,328 $3,916
Female $4,370 $4,124 $3,756 $3,484

car indemnity for a female 16-year-old driver in Austin costs an average of $ 592 less per year than the monetary value for a 16-year-old male driver, while at age 19, the monetary value dispute is a lot less but is still $ 432 per year cheap for females.

The rates referenced earlier in this article take all 2022 models and come up with an average cost, which is practical when making general comparisons like the modal price difference between different locations in Texas. median car indemnity rates are good for answering questions like “ is Austin car policy cheaper than Fort Worth ? ” or “ is car insurance in Texas cheaper than Florida ? ”. For more accurate car insurance comparisons, however, we will get better data if we perform a rate analysis for the specific model of vehicle being insured. Each makes an exemplary has its 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 future number displays average policy 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 popular vehicle models in Austin tend to be compact and midsize cars like the Toyota Corolla and Nissan Altima and little or midsize SUVs like the Toyota RAV4, Ford Escape, and Jeep Grand Cherokee. Additional popular vehicles from different automotive segments include lavish 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 car insurance rates in a fiddling moment, but before we delve into that cryptic, let’s rehash the comparisons and identify concepts that were discussed so far.

  • Austin car insurance rates are cheaper than the Texas state average – $1,386 (Austin average) versus $1,436 (Texas average)
  • Car insurance rates drop a lot between ages 20 and 30 – The average 30-year-old Austin, Texas, the driver will pay $1,596 less per year than a 20-year-old driver, $1,804 compared to $3,400.
  • The average cost per month ranges from $128 to $512 – That is the average car insurance cost range for insured drivers aged 16 to 60 in Austin, TX.
  • A low deductible policy costs more – A 20-year-old driver pays an average of $900 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
  • Teen females pay less than teen males – Female drivers aged 16 to 19 pay $432 to $592 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 $1,686 per year cheaper than for a 20-year-old driver.

Which vehicles cost the least to insure in Austin?

The models with the cheap car indemnity prices in Austin tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Nissan Kicks, Buick Encore, and Toyota C-HR. median car insurance quotes for those compendious SUVs cost $ 1,368 or less per year for full coverage car insurance. Some extra vehicles that are ranked high in our cost comparison are the Buick Envision, Subaru Forester, Acura RDX, and Ford Maverick. average insurance cost is a little bit more for those models than the cheapest little SUVs at the circus tent of the rankings, but they calm have average rates of $ 118 or less per calendar month in Austin. The following table shows the 25 car, truck, and SUV models with the cheapest car insurance in Austin, sorted by average cost.

Get Rates in Your Area Why is this important? Table Data Details: Average car insurance pace for each model assumes a 40-year-old marital male driver with an uninfected driving record and no at-fault accidents. safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on March 24, 2022

Cheapest Auto Insurance Rates in Austin A tilt of 25 of the cheapest vehicles to insure in Austin serves the purpose if you good want the absolute lowest rates. A more utilitarian room to examine car policy rates in an organized fashion is by breaking them out by automotive segment. This next article department illustrates the average monetary value of cable car policy in Austin for each vehicle section. The average rates shown should provide a better estimate of which vehicles have the best average car indemnity rates. After the graph, the following 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 raw or secondhand fomite, it ’ mho useful to know which kinds of vehicles have cheaper insurance rates. For exemplify, possibly you want to know if minivans are more low-cost to insure than SUVs or which size car has a cheaper car policy. The chart below displays median car insurance rates in Austin for unlike fomite segments. typically, compress and midsize SUVs, vans, and midsize pickups have the best rates, while sports cars and performance luxury models have the highest median cost to insure. Get Rates in Your Area Why is this important? Chart Data Details: Average Austin car policy cost by segment is based on 2022 model year vehicles with a safe driver and claim-free discounts applied. physical damage deductibles are $ 500 and rates are averaged for all Austin Zip Codes.

Data last updated on April 12, 2022

Austin, Texas Auto Insurance Rates by Vehicle Segment

Austin Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV $1,296 $108
Midsize Pickup $1,330 $111
Minivan $1,394 $116
Midsize SUV $1,404 $117
Compact Car $1,426 $119
Midsize Car $1,446 $121
Half-ton Pickup $1,508 $126
Compact Luxury SUV $1,558 $130
Large SUV $1,564 $130
Compact Luxury Car $1,574 $131
Large Car $1,604 $134
Heavy-Duty Pickup $1,652 $138
Midsize Luxury SUV $1,676 $140
Midsize Luxury Car $1,836 $153
Sports Car $1,954 $163
Large Luxury SUV $2,092 $174
Large Luxury Car $2,194 $183

average rates for different segments are finely for across-the-board comparisons, but rates vary quite a distribute within each section listed in the above graph. For case, in the little lavish car segment, Austin policy rates range from the Mercedes-Benz A220 at $ 1,362 per class for full moon coverage insurance up to the BMW M340i costing $ 1,732 per class, a difference of $ 370 within that segment. As another model, in the large SUV segment, policy rates range from the Chevrolet Tahoe at $ 1,392 per year up to the Jeep Grand Wagoneer at $ 1,844 per class, a remainder of $ 452 within that segment. In the approaching sections, we eliminate this unevenness by analyzing the price of car policy in Austin for individual models.

Cheapest car insurance rates in Austin, TX

Ranked at # 1 in Austin for cheapest car policy rates in the non-luxury sedan segment is the Subaru Impreza, at $ 1,202 per class. second place is the Chevrolet Spark costing $ 1,208 per year, ranking third gear is the Volkswagen Golf, at an average of $ 1,332 per year, and the fourthly most low-cost is the Subaru Legacy, costing a modal of $ 1,344 per class. Some other cars that have low-cost average policy rates are the Toyota Corolla, Nissan Sentra, Toyota Camry, and Kia K5, with average annual insurance rates of $ 1,364 per class or less. From a monthly point of view, car insurance in Austin on this segment for a middle-age condom driver starts at around $ 100 per month, depending on the company and your localization. When rates are compared by fomite size, the cheapest non-luxury pack car to insure in Austin is the Subaru Impreza at $ 1,202 per class or $ 100 per calendar month. For midsize models, the Subaru Legacy has the cheapest rates at $ 1,344 per year or $ 112 per calendar month. And for life-size sedans, the Toyota Avalon is the cheapest to insure at $ 1,456 per class or $ 121 per month. The rate comparison table below ranks the twenty cars with the most low-cost insurance in Austin.

Get Rates in Your Area Why is this authoritative? Table Data Details: average rates are based on the 2022 model year, a 40-year-old married male driver with a houseclean repel record and no at-fault accidents. safe driver and claim-free discounts are applied to policy agio, which is averaged for all vehicle pare levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on March 24, 2022

Cheapest Car Insurance in Austin, TX See our comprehensive guides for compendious car insurance, midsize car insurance, and life-size cable car insurance to view data for vehicles not featured on the board. Looking for a different vehicle? That’s second no problem! Enter your zip-up code at the buttocks of the table above and click the orange ‘ GO ’ clitoris to get free car insurance quotes from top-rated companies in Texas.

Cheapest SUV insurance rates in Austin, TX

Taking the lead spot in Austin for the cheapest insurance in the non-luxury SUV segment is the Mazda CX-5, coming in at $ 1,054 per year. second place is the Nissan Kicks costing $ 1,082 per year, and the third base brassy is the Chevrolet Trailblazer, costing an average of $ 1,088 per year. not the cheapest on the list, but still ranking well, are models like the Buick Encore, Toyota C-HR, Nissan Rogue Sport, and Hyundai Venue, with average annual policy rates of $ 1,180 per year or less. Additional SUVs worth mentioning include the Ford Edge, Honda CR-V, Hyundai Kona, Subaru Ascent, and Mazda CX-30, which cost between $ 1,180 and $ 1,250 per year for full-coverage insurance. car indemnity rates in this segment for a condom driver start at around $ 88 per month, depending on the party. The rate comparison mesa below ranks the twenty SUVs with the most low-cost average car insurance rates in Austin.

Get Rates in Your Area Why is this authoritative? Table Data Details: median rates are based on the 2022 model year, a 40-year-old married male driver with a clean drive read and no at-fault accidents. dependable driver and claim-free discounts are applied to the policy premium, which is averaged for all fomite trim levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on March 24, 2022

Cheapest SUV Insurance in Austin, TX See our guides for compact SUV indemnity, midsize SUV indemnity, and life-size SUV policy to compare rates for all makes and models. Don’t see your SUV in the table above? Enter your nothing code at the bottom of the above postpone and click the orange ‘ GO ’ button to get unblock Austin cable car insurance quotes from top car policy companies in Texas.

Cheapest sports car insurance rates in Austin

Taking the top spot in Austin for the cheapest average indemnity in the sports car segment is the Mazda MX-5 Miata, costing a median of $ 1,202 per year. the irregular station is the Ford Mustang costing $ 1,460 per year, and in the third topographic point is the BMW Z4, at a modal of $ 1,492 per year. other models that absolutely well include the Subaru BRZ, Toyota GR Supra, BMW M3, and Chevrolet Corvette, with an average monetary value of $ 1,798 per year or less. extra cars that rank well include the Mercedes-Benz AMG GT53, Porsche 911, BMW M4, Porsche 718, and Jaguar F-Type, which average between $ 1,798 and $ 2,284 per class to insure in Austin. car insurance in Austin for this segment can cost vitamin as low as $ 100 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 policy in Austin, starting with the Mazda MX-5 Miata at $ 100 per month and ending with the Lexus LC 500 at $ 190 per month.

Get Rates in Your Area Why is this significant? Table Data Details: average rates are based on 2022 mannequin year, a 40-year-old married male driver with an uninfected tug record and no at-fault accidents. safe driver and claim-free discounts are applied to the policy premium, which is averaged for all vehicle spare levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on April 2, 2022

Cheapest Sports Car Insurance in Austin, TX Need rates for a different vehicle? Enter your nothing code at the bottom of the above table and click the orange ‘ GO ’ push button to get release car indemnity quotes from the best companies in Austin.

Cheapest pickup truck insurance rates in Austin

The Chevrolet Colorado takes the # 1 rank as the most low-cost pickup truck to insure in Austin, followed by the Ford Maverick, Ford Ranger, Toyota Tacoma, and Nissan Frontier. The 2022 model costs an average of $ 1,142 per year to insure with wax coverage. not the cheapest, but still very low-cost, are pickups like the Hyundai Santa Cruz, Jeep Gladiator, Honda Ridgeline, and Ford F150, with an average car indemnity cost of $ 1,364 per class or less. On a monthly basis, a full-coverage policy on this segment in Austin for a condom driver will start around $ 95 per calendar 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 $ 95 per month and ending with the GMC Sierra 3500 at $ 136 per month.

Get Rates in Your Area Why is this authoritative? Table Data Details: average rates are based on the 2022 model class, a 40-year-old married male driver with a clean driving record and no at-fault accidents. dependable driver and claim-free discounts are applied to the policy premium, which is averaged for all vehicle snip levels. Full coverage physical price deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on March 9, 2022

Cheapest Pickup Insurance in Austin, TX See our comprehensive guides for midsize pickup indemnity and large cartridge indemnity to view data for pickups not featured on the board. Don’t see rates for your pickup? No sweat! Enter your zip-up code at the bottom of the above table and click the orange ‘ GO ’ button to get complimentary 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 car insurance rates in Austin are the Acura ILX at $ 1,276 per year, the Mercedes-Benz A220 at $ 1,362 per class, and the BMW 330i at $ 1,466 per class. Some early luxury cars that have cheaper rates are the BMW 228i, Lexus RC 300, BMW 230i, and Alfa Romeo Giulia, with an average car indemnity monetary value of $ 1,538 per year or less. Full-coverage car insurance in Austin for this segment for the average driver starts at around $ 106 per month, depending on your location and policy caller. When prices are compared by vehicle size, the most low-cost small luxury car to insure in Austin is the Mercedes-Benz A220 at $ 1,362 per year. For midsize luxury models, the Acura ILX has the best rates at $ 1,276 per year. And for big luxury car models, the Audi A5 has the most low-cost rates at $ 1,628 per year. The mesa below ranks the luxury cars with the lowest-cost indemnity in Austin.

Get Rates in Your Area Why is this important? Table Data Details: average rates are based on the 2022 model class, a 40-year-old married male driver with a clean tug record and no at-fault accidents. condom driver and claim-free discounts are applied to the policy premium, which is averaged for all vehicle trim levels. Full coverage physical price deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on March 13, 2022

Cheapest Luxury Car Insurance in Austin, TX See our guide for luxury car indemnity to compare rates for all makes and models. Don’t see rates for your luxury car? Enter your nothing code at the bottom of the mesa above and click the orange ‘ GO ’ button to get exempt 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 Volvo XC40, Cadillac XT5, Acura RDX, Lexus NX 250, and Cadillac XT4. Auto indemnity quotes for these 2022 models average $ 1,380 or less per year or around $ 115 per calendar month. extra lavishness SUVs that have cheaper rates are the Lexus NX 350, Lexus NX 350h, Lexus UX 200, and BMW X1, with average rates of $ 1,418 per class or less. Some extra models that made the tilt include the Lincoln Corsair, Infiniti QX50, Lexus RX 350, Acura MDX, and Lexus RX 450h, which cost between $ 1,418 and $ 1,470 per year for indemnity in Austin. car insurance rates in this section for the average driver start at around $ 99 per month, depending on the company. The most low-cost modest lavish SUV to insure in Austin is the Acura RDX at $ 1,190 per year. For midsize luxury SUVs, the Cadillac XT5 has the best rates at $ 1,364 per class. And for large luxury SUVs, the Volvo XC90 has the most low-cost rates at $ 1,500 per year. The comparison table below ranks the twenty SUVs with the cheap car indemnity rates in Austin, starting with the Acura RDX at $ 99 per month and ending with the Lincoln Corsair at $ 123 per calendar month.

Get Rates in Your Area Why is this important? Table Data Details: modal rates are based on 2022 mannequin year, a 40-year-old married male driver with a blank driving record and no at-fault accidents. dependable driver and claim-free discounts are applied to the policy premium, which is averaged for all vehicle reduced levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in Austin, TX.

Data last updated on March 13, 2022

Cheapest Luxury SUV Insurance in Austin, TX See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the mesa. Don’t see rates for your luxury SUV? Enter your nothing code at the bottom of the table and click the orange ‘ GO ’ button to get release Austin car insurance quotes from top-rated car 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 indemnity so read through the savings tips below and possibly 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 $640 per year for a 30-year-old driver and as much as $440 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 $232 per year for a 40-year-old driver and $452 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 $588 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 any other policy discounts which could save the average Austin driver as much as $234 per year.
  • Raise your credit score for cheaper insurance rates. Having a high credit rating of over 800 could save a minimum of $218 per year compared to a lower credit score of 670-739. Conversely, a lower credit rating could cost as much as $252 more per year. Not all states use credit score as a rating factor, so check with your agent or company.

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