🚗 Car insurance cost in Austin, TX (2027)
Estimated average: $2,786 per year — +30% vs. the U.S. average of $2,150.
With about 979,882 residents, Austin is a major metro and the #4 largest city in Texas. Car insurance rates here are estimated at $2,786 per year, above the Texas average of $2,580 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Austin with other Texas cities.
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Austin car insurance FAQ
How much is car insurance in Austin, TX?
The estimated average is $2,786 per year — above the state average (+8% vs. the Texas average of $2,580, and +30% vs. the U.S. average).
Is car insurance more expensive in Austin than elsewhere in Texas?
Austin has about 979,882 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Austin?
Compare at least three quotes from insurers active in Austin, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.