Car Insurance in Austin
Numbers refreshed
How people drive in Austin, and the Texas averages behind car insurance there.
- $160Full coverage at the Texas average, a month.
- State minimum limits: 30/60/25.
What drivers in the Austin area pay
In Texas, full coverage averages $1,917 a year, and the legal minimum averages $893. In a big city, prices usually run above the state average because of more traffic, more claims and more theft.
| Coverage in Texas | Per year | Per month |
|---|---|---|
| Liability | $893 | $74 |
| Collision | $569 | $47 |
| Comprehensive | $455 | $38 |
| Full coverage (all three) | $1,917 | $160 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Austin driving
| Census figure | Austin |
|---|---|
| People | 979,539 |
| Average trip to work | 24 minutes |
| Drive to work alone | 56% |
| Homes with no car | 7% |
| Median household income | $93,658 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate for you
The Texas calculator prices based on your age, your record and your car. You'll find the rules for the state on Texas car insurance requirements.
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