Best Car Insurance Companies in Austin, TX

The best auto insurance company for you will vary based on your needs and driver profile. Texas Farm Bureau offers the best full and minimum coverage policies. It is also a solid choice for young adults and senior drivers. Consider Chubb if you value customer satisfaction above cost, State Farm if you’re a teenager or a driver with an offense and Allstate if you have a new car.

MoneyGeek also highlighted the cheapest car insurance companies in Austin for those that prioritize cost above all else.

The following providers offer the best auto insurance in Austin:

• Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($788 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($690 per year)

Of the 11 providers we ranked, Texas Farm Bureau is our top choice due to its high ratings for customer satisfaction and affordability; the insurer received the second-highest scores in both categories. This means policyholders can still receive quality service for a low cost.

With a MoneyGeek score of 80 out of 100, USAA is a top provider in Austin for military members and their families. We also found that Texas Farm Bureau is the best car insurance company in Texas.

Of the 12 insurance providers we evaluated in Austin, Texas Farm Bureau is our top choice. It has the second-cheapest rates at $788 per year and received the second-highest rating for customer service. Although its policies are affordable, they’re $98 more expensive on average than State Farm, the cheapest option. Foremost has the highest customer satisfaction ratings, but its policies are more expensive than its competitors — the average annual premium cost is $1,516.

Rates in this section reflect a full coverage policy. We only assigned MoneyGeek scores to companies if sufficient data were available for each scoring component (affordability, customer service, financial stability, etc.).

The best car insurance providers in Austin, irrespective of cost, are:

• Chubb: MoneyGeek score of 76 out of 100 ($1,449 per year)
• Foremost: MoneyGeek score of 67 out of 100 ($1,516 per year)

Chubb has the third-highest customer satisfaction rating and the highest claims management rating. Compared to other providers, Chubb’s car insurance policies tend to be more expensive.

Customer service is important during stressful situations like a vehicle breakdown. Insurers that provide exceptional customer service efficiently process claims and promptly respond to policyholders’ concerns.

Chubb is our top pick due to its high ratings for claims management and customer service. Despite being our number one choice, it received slightly lower scores than Texas Farm Bureau and Foremost for customer satisfaction. Though cheaper, Texas Farm Bureau fell short in claims management.

In this category, we evaluated car insurers for their minimum coverage policies based on service quality and affordability. The best auto insurance providers for the baseline coverage required in Texas are:

• Texas Farm Bureau: MoneyGeek score of 80 out of 100 ($368 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($338 per year)

Although minimum coverage policies are typically the cheapest, they may not offer enough liability coverage. Moreover, liability-only policies generally don’t cover damages to your vehicle. Note that the minimum car insurance requirements in Texas apply to all cities in the Lone Star State.

Insurers with the best minimum coverage policies will provide cheap rates without compromising customer service. In some cases, cheap premiums translate to inferior service. However, you can have both with our top choice, Texas Farm Bureau. Although State Farm has slightly cheaper rates, Texas Farm Bureau has a higher customer satisfaction rating. Foremost has the highest customer satisfaction rating, but its policies cost significantly more.

Young adults in Austin will get the best auto insurance from the following providers:

• Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($966 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($890 per year)

Texas Farm Bureau received the second-best ratings for affordability and customer service, which means policyholders can still receive quality service for a low cost. We also reviewed the best car insurance for young drivers so you can find the most suitable option.

When shopping for a great auto insurance provider, young drivers should prioritize companies based on customer service, affordability and age-specific discounts. Texas Farm Bureau checks all of these boxes — it offers cheap policies, provides exceptional customer service and has several discount opportunities for young drivers. Although State Farm has more affordable rates, it fell short in customer service.

In Austin, the best car insurance companies for a 16-year-old added to a parent’s policy are:

• State Farm: MoneyGeek score of 76 out of 100 ($2,266 per year)
• GEICO: MoneyGeek score of 74 out of 100 ($3,049 per year)

Compared to the other six insurers in our study, State Farm has the cheapest rates and the second-highest customer satisfaction score. This makes the insurer a great option for those that don’t want to sacrifice quality for cost.

Car insurance for teens is typically more expensive, but teen drivers can save money by joining their parent’s existing policy instead of purchasing an individual policy. In Austin, teens could save an average of $3,267 per year. We highlighted the best car insurance for teens to help you weigh your options.

The best providers for teen drivers will offer relatively affordable rates, provide quality service and have teen-specific discounts and coverages like the good student discount and accident forgiveness coverage.

State Farm is the best insurer for teen drivers because it offers the most affordable rates, exceptional customer service and teen-specific discounts. Compared to our runner-up pick, GEICO, State Farm’s policies are cheaper, but its claims management rating is slightly lower.

The best car insurance companies for seniors in Austin are:

• Texas Farm Bureau: MoneyGeek score of 80 out of 100 ($654 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($628 per year)

Texas Farm Bureau has the best car insurance for seniors, receiving the second-highest score for both affordability and customer satisfaction. Drivers in their 60s tend to pay relatively similar car insurance rates to drivers in their 30s through 50s, whereas premiums are pricier for those in their 70s.

Rates for seniors in their 60s are typically lower than other age groups. The best insurance for older drivers will be affordable and include full coverage policies with personal injury protection (PIP), which better covers their medical expenses if they suffer serious injuries from an accident. Although Texas Farm Bureau doesn’t provide senior-specific discounts, it offers reasonable rates and exceptional service, setting it apart from the competition.

For drivers in Austin with a violation on their record, the following are the best car insurance providers:

• State Farm: MoneyGeek score of 75 out of 100 ($1,262 per year)
• Texas Farm Bureau: MoneyGeek score of 74 out of 100 ($1,536 per year)

State Farm has the second-cheapest rates and offers quality customer service, making it our top choice for drivers with offenses. Car insurance rates vary depending on the violation committed, typically increasing in proportion to the severity of the offense. In Austin, a driver with a speeding ticket or a DUI offense will pay $231 and $576 more than a driver with a clean record. Although car insurance will cost more for drivers with offenses, choosing one of the best auto insurers for drivers with poor records may help you save money.

An exceptional auto insurance provider for drivers with a poor record should offer reasonably-priced rates, numerous discounts and core coverages, like accident forgiveness or roadside assistance. While State Farm doesn’t offer all the add-on coverages that drivers with offenses could benefit from, it received relatively high scores for affordability and customer service. Texas Farm Bureau, our runner-up pick, was slightly more expensive.

New car owners in Austin will get the best insurance from Allstate. Our top-two choices for new car owners are:

• Allstate: MoneyGeek score of 73 out of 100 ($1,352 per year)
• Foremost: MoneyGeek score of 53 out of 100 ($1,986 per year)

Rankings for this category were based on affordability and service quality for drivers in Texas with a 2022 car model. We only evaluated insurers that offered better or new car replacement coverage. New car replacement coverage pays for the cost of a brand-new car of the same make and model if yours is totaled in a covered accident. Allstate offers this coverage in addition to providing affordable rates and quality customer service.

Divers with a new vehicle should choose an auto insurance company that provides new or better car replacement coverage. These add-on options can help you save thousands of dollars if your new car is totaled in a covered accident. Allstate stands out as the best insurer because it’s affordable and offers new car replacement coverage. Foremost, our runner-up pick, is significantly more expensive — on average, its policies cost $634 more than Allstate’s.

The best car insurer in Austin for you will vary based on your needs and driver profile. Our answers to commonly asked questions below can aid in your decision-making process.