Cheapest Car Insurance Quotes in Austin

Cheapest Minimum Liability Car Insurance in Austin

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. 

USAA provides the cheapest minimum car insurance coverage in Austin. Their Average 6 Month Premium is $312. Farmers is the most expensive at $1016 for the same period. 

Cheapest Liability Coverage in Austin, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$312	$53
Texas Farm Bureau	$324	$56
State Farm	$337	$57
Redpoint Insurance	$350	$60
Mercury	$405	$68
AAA	$449	$77
AAA Texas	$449	$75
Progressive	$462	$78
Allstate	$973	$164
Farmers	$1016	$169

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Cheapest Full Coverage Car Insurance in Austin

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 Mercury at $139 per month and $830 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Austin, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$830	$139
Texas Farm Bureau	$861	$146
AAA Texas	$867	$145
State Farm	$898	$151
USAA	$980	$165
Redpoint Insurance	$1023	$174
AAA	$1260	$210
Progressive	$1309	$221
Southern County Mutual	$1353	$226
Allstate	$2819	$475
Farmers	$2576	$438

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Car Insurance Premiums by Age in Austin

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.  

Cheapest Car Insurance Companies Based on Age Group

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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Austin Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Austin TX. For example, the car insurance in Austin after a DUI increases to $823 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.  

Austin auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1347	$225
One Med/PIP claim	$1360	$231
One comp claim	$1428	$238
Not-at-fault accident	$1441	$245
Two Med/PIP claims	$1447	$242
Failure to show documents	$1497	$254
Driving with expired registration	$1509	$252
Two comp claims	$1521	$258
Cell phone violation	$1534	$256
Driving without lights	$1534	$260
Texting while driving	$1534	$256
Driving too slowly	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Speeding 16 - 20 MPH over limit	$1540	$261
Speeding 6 - 10 MPH over limit	$1540	$257
Speeding in school zone	$1540	$261
Child safety restraint	$1547	$258
Failure to wear a seat belt	$1547	$263
In 65 MPH zone	$1553	$259
Failure to stop at a red light	$1559	$266
Failure to yield	$1559	$260
Following too closely	$1559	$266
Illegal turn	$1559	$260
Improper passing	$1559	$266
Speeding 21 - 25 MPH over limit	$1559	$260
Passing school bus	$1566	$267
Wrong way/wrong lane	$1566	$260
Operating a vehicle without permission	$1572	$268
At-fault accident - less than $1000	$1634	$272
Open container	$1840	$313
Driving with a suspended license	$1909	$318
Racing	$2021	$343
Reckless driving	$2021	$337
Leaving scene of an accident/hit and run	$2071	$352
At-fault accident - $1000-$2000	$2077	$347
Refusal to submit to a chemical test	$2139	$363
DUI	$2170	$362
At-fault accident - greater than $2000	$2258	$384

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