Auto Insurance in Austin (78728)
Texas · Above Average · 62th percentile statewide
Carrier Rates in 78728
6-month premiums from SERFF rate filings. Standard driver profile.
How 78728 Compares
Austin (78728) is above average for auto insurance in Texas, ranking in the 62th percentile.
The cheapest carrier is GEICO at $330/6mo — 57% less than the most expensive (State Farm at $760).
The median premium of $481 is 5% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Austin (78728)?
The median 6-month premium in Austin (78728) is $481 across 5 carriers. Premiums range from $330 to $760, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78728?
GEICO offers the lowest rate in 78728 at $330/6mo. That's 57% less than the most expensive option (State Farm at $760/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 78728?
Auto insurance rates in Austin (78728) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Austin ranks in the 62th percentile statewide, meaning it's above average 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 78728?
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.