How Much Does Car Insurance Cost in Austin, TX?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.344 – $3.360
+12% vs national average
$1.344$2.352$3.360
LowNational avg: $2.100High
Austin vs State & National Average
| Category | Austin | Texas Avg | National Avg |
|---|---|---|---|
| Average cost | $2.352 | $2.339 | $2.100 |
| Low estimate | $1.344 | $1.754 | $1.575 |
| High estimate | $3.360 | $3.041 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $448 | $1.008 | per year |
| Full coverage | $1.344 | $3.360 | per year |
| Good driver discount | $-224 | $-560 | savings |
| Young driver surcharge | $560 | $2.240 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Austin?
In Austin, TX, car insurance typically costs between $1.344 and $3.360. The average is $2.352, which is 12% above the national average.
Is Austin expensive for car insurance?
Austin has a cost-of-living index of 112 (100 = national average). Car Insurance costs are 12% higher than the national average of $2.100.
What factors affect car insurance costs in Austin?
Key factors include local labor costs, cost of materials, market competition, Texas state regulations, and Austin's overall cost of living (index: 112/100). Prices can also vary by season and specific requirements.