Auto Insurance in Austin (78721)
Texas · Expensive · 76th percentile statewide
Carrier Rates in 78721
6-month premiums from SERFF rate filings. Standard driver profile.
How 78721 Compares
Austin (78721) is expensive for auto insurance in Texas, ranking in the 76th percentile.
The cheapest carrier is GEICO at $365/6mo — 52% less than the most expensive (State Farm at $757).
The median premium of $529 is 4% above the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Austin (78721)?
The median 6-month premium in Austin (78721) is $529 across 5 carriers. Premiums range from $365 to $757, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78721?
GEICO offers the lowest rate in 78721 at $365/6mo. That's 52% less than the most expensive option (State Farm at $757/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 78721?
Auto insurance rates in Austin (78721) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Austin ranks in the 76th 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 78721?
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.