Auto Insurance in Austin (78703)
Texas · Expensive · 65th percentile statewide
Carrier Rates in 78703
6-month premiums from SERFF rate filings. Standard driver profile.
How 78703 Compares
Austin (78703) is expensive for auto insurance in Texas, ranking in the 65th percentile.
The cheapest carrier is USAA at $400/6mo — 46% less than the most expensive (State Farm at $744).
The median premium of $514 is 1% above the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Austin (78703)?
The median 6-month premium in Austin (78703) is $514 across 5 carriers. Premiums range from $400 to $744, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78703?
USAA offers the lowest rate in 78703 at $400/6mo. That's 46% less than the most expensive option (State Farm at $744/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 78703?
Auto insurance rates in Austin (78703) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Austin ranks in the 65th percentile statewide, meaning it's expensive compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 78703?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.