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Austin Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in the Austin is $701, which is $33 higher than the state average. AutoOwners Insurance Co offers the cheapest insurance rates in the city at $424 for a six-month policy.
$701
$668
$1146
At $424 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Westfield offers auto insurance rates at $431 for a six-month policy, making it one of the cheapest to insure with.
Nationwide offers auto insurance rates at $530 for six months, making it the third cheapest auto insurance company in Austin.
Based on our research, the cheapest car insurance companies in Austin IN include AutoOwners Insurance Co, offering $424 for a six-month policy. This is followed by Westfield, with an average six-month premium of $431. Allstate is the most expensive, at $1316.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $424 | $70 |
| Westfield | $431 | $74 |
| Nationwide | $530 | $89 |
| USAA | $537 | $90 |
| American Family | $555 | $93 |
| Hastings Mutual | $555 | $93 |
| Travelers | $586 | $99 |
| Progressive | $686 | $116 |
| Grange | $705 | $118 |
| Auto-Owners | $798 | $134 |
| Farm Bureau | $967 | $161 |
| State Farm | $1029 | $173 |
| Allstate | $1316 | $222 |
Save up to $971/yr with our auto insurance quotes
Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Austin are given below.
Westfield provides the cheapest minimum car insurance coverage in Austin. Their Average 6 Month Premium is $131. Allstate is the most expensive at $499 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $131 | $22 |
| USAA | $162 | $27 |
| Auto-Owners Insurance Co | $174 | $29 |
| Hastings Mutual | $187 | $32 |
| Indiana Farmers | $187 | $32 |
| Auto-Owners | $206 | $35 |
| American Family | $212 | $36 |
| Grange | $212 | $36 |
| Travelers | $218 | $37 |
| Progressive | $225 | $38 |
| Farmers | $237 | $40 |
| State Farm | $293 | $49 |
| Farm Bureau | $312 | $54 |
| Allstate | $499 | $84 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Austin is AutoOwners Insurance Co at $70 per month and $424 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $424 | $70 |
| Westfield | $431 | $74 |
| Nationwide | $530 | $89 |
| USAA | $537 | $90 |
| American Family | $555 | $93 |
| Hastings Mutual | $555 | $93 |
| Travelers | $586 | $99 |
| Progressive | $686 | $116 |
| Grange | $705 | $118 |
| Auto-Owners | $798 | $134 |
| Farm Bureau | $967 | $161 |
| State Farm | $1029 | $173 |
| Allstate | $1316 | $222 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Austin, Indiana, may be increasing due to several external factors. Indiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Austin's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 30s | USAA | $450 |
| 40s | USAA | $422 |
| 50s | USAA | $399 |
| 60s | USAA | $416 |
| 70s | Buckeye Insurance Group | $444 |
If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Austin at $26 per month. At $3393 for a six-month premium, Farm Bureau offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $156 | $26 |
| Auto-Owners Insurance Co | $225 | $38 |
| USAA | $823 | $140 |
| Travelers | $1023 | $172 |
| Progressive | $1167 | $196 |
| American Family | $1521 | $256 |
| Auto-Owners | $2028 | $344 |
| State Farm | $2108 | $352 |
| Allstate | $2507 | $426 |
| Farm Bureau | $3393 | $566 |
Teen Car Insurance Rates in IN by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Austin, Westfield is the cheapest car insurance provider. At $250 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Austin is State Farm, offering rates of around $3063 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $250 | $42 |
| Nationwide | $293 | $49 |
| Grange | $312 | $53 |
| Travelers | $692 | $117 |
| Progressive | $730 | $123 |
| USAA | $798 | $135 |
| American Family | $855 | $144 |
| Allstate | $1035 | $174 |
| Farm Bureau | $1971 | $329 |
| Auto-Owners | $2127 | $361 |
| State Farm | $3063 | $510 |
Save up to $971/yr on car insurance rates in Austin.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Austin, IN, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Austin include Indiana Farmers and AutoOwners Insurance Co, offering $237 and $244, respectively. Allstate is an expensive provider with an average six-month premium of $2064.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Indiana Farmers | $237 | $40 |
| Auto-Owners Insurance Co | $244 | $41 |
| Grange | $280 | $47 |
| Farmers | $312 | $54 |
| USAA | $431 | $72 |
| Auto-Owners | $486 | $82 |
| Travelers | $486 | $82 |
| Progressive | $543 | $91 |
| State Farm | $580 | $98 |
| American Family | $792 | $133 |
| Farm Bureau | $1441 | $240 |
| Allstate | $2064 | $351 |
Here is a list of driving violations that can increase your car insurance rates in Austin IN. For example, the car insurance in Austin after a DUI increases to $792 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $861 | $144 |
| One Med/PIP claim | $861 | $146 |
| Not-at-fault accident | $910 | $152 |
| Two Med/PIP claims | $923 | $156 |
| One comp claim | $929 | $155 |
| Failure to show documents | $973 | $166 |
| Failure to wear a seat belt | $980 | $163 |
| Two comp claims | $986 | $168 |
| Child safety restraint | $998 | $166 |
| Driving without lights | $998 | $170 |
| Driving with expired registration | $1035 | $172 |
| Speeding 6 - 10 MPH over limit | $1054 | $180 |
| Driving too slowly | $1061 | $176 |
| Failure to yield | $1061 | $181 |
| Following too closely | $1061 | $176 |
| Illegal turn | $1061 | $181 |
| Speeding in school zone | $1061 | $176 |
| Cell phone violation | $1067 | $182 |
| Speeding 11 - 15 MPH over limit | $1067 | $177 |
| Texting while driving | $1067 | $182 |
| Wrong way/wrong lane | $1067 | $177 |
| Failure to stop at a red light | $1073 | $183 |
| Improper passing | $1079 | $180 |
| Speeding 16 - 20 MPH over limit | $1079 | $184 |
| At-fault accident - less than $1000 | $1092 | $182 |
| Passing school bus | $1110 | $189 |
| Speeding 21 - 25 MPH over limit | $1167 | $194 |
| At-fault accident - $1000-$2000 | $1203 | $205 |
| In 65 MPH zone | $1222 | $204 |
| At-fault accident - greater than $2000 | $1229 | $209 |
| Operating a vehicle without permission | $1316 | $219 |
| Open container | $1328 | $226 |
| Racing | $1615 | $269 |
| Reckless driving | $1621 | $276 |
| Refusal to submit to a chemical test | $1640 | $273 |
| DUI | $1653 | $281 |
| Leaving scene of an accident/hit and run | $1684 | $280 |
| Driving with a suspended license | $1697 | $289 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Austin.
The cheapest car insurance premiums in Austin are offered by Grange at $412 for a six-month policy. However, it can be as expensive as $1971 with companies like Hastings Mutual.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Grange | $412 | $68 |
| Travelers | $505 | $85 |
| Progressive | $562 | $95 |
| USAA | $624 | $105 |
| State Farm | $842 | $142 |
| American Family | $861 | $145 |
| Allstate | $1197 | $202 |
| Auto-Owners | $1615 | $272 |
| Farm Bureau | $1727 | $288 |
| Hastings Mutual | $1971 | $335 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Austin are offered by Westfield at $162. However, it can be as expensive as $1615 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $162 | $27 |
| Auto-Owners Insurance Co | $225 | $38 |
| State Farm | $492 | $83 |
| Travelers | $537 | $90 |
| USAA | $549 | $93 |
| American Family | $562 | $95 |
| Progressive | $586 | $99 |
| Auto-Owners | $755 | $126 |
| Farm Bureau | $1160 | $197 |
| Allstate | $1615 | $269 |
Car insurance rates in Austin have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Austin remained steady at $140 in both August and July, indicating no change over the two month period.
The average cost of liability insurance in the Austin remained steady at $40 in both August and July, indicating no change over the two month period.
How much is car insurance in Austin?
The car insurance in Austin is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Austin?
The cheapest car insurance in Austin is $70 per month for full coverage.
How much is car insurance in Austin for teenagers?
Car insurance for teenagers costs $156 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Austin?
The average cost of car insurance is $668 for a six-month policy. It will cost around $118 per month to insure your car in Austin.
Is car insurance expensive in Austin?
Car insurance can be expensive in Austin if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Austin can be affordable.
What is the best car insurance in Austin, IN?
The best car insurance company in Austin IN is AutoOwners Insurance Co, offering $424 for a six-month policy.
Cut auto insurance costs in Austin right now.