Austin, TX Car Insurance

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Travelers
Hippo
Guard
Nationwide
Kemper
Mercury Insurance
Lemonade
The Hartford
Progressive

Austin drivers pay an average of $119 per month for auto insurance. However, various factors can influence the difference in your car insurance rates. Your age, location, credit score, and gender are a few of the factors that impact your car insurance rate in Austin. Need a new auto quote for your next policy? Insurance Online compares rates instantly and makes choosing affordable coverage easy.

How Much Is Car Insurance Austin, TX?

The average cost of Austin car insurance is $1,424 annually. It is slightly higher than the statewide average of $1,415 but cheaper than the nation’s average of $1,548. Rates will vary for the same driving profile between different carriers, so comparing quotes is the best way to get a good deal on your next auto insurance policy.

Austin, TX Car Insurance Cost by Insurer

Choosing the car insurance company that best suits your driver's profile is one way to save on your insurance rate. Going for the cheapest rate is not always an option if you reside in areas in Austin prone to theft, crime, or potential driving hazards, and if you have a past violation on your record. However, if you have a clean driving record, it is likely for your insurance company to offer cheaper rates. GEICO offers the most affordable car insurance rates in Austin.

Austin, TX Car Insurance Rates by Company

Company Name Monthly Rate Yearly Rate
USAA $102 $1,224
State Farm $102 $1,229
GEICO $109 $1,310
Allstate $194 $2,330

Car Insurance Rates by Age Bracket in Austin, TX

Austin auto insurance companies consider age when determining a persons liklihood of filing a claim. Drivers in their fifties and sixties the pay cheapest rates in Austin. Teenqage drivers are considered high-risk drivers and therefore they have the most expensive rates. However, teenage drivers will be entitled to a substantial rate decrease on their 20th and 25th birthday.

Austin Car Insurance Rates Per Age Group

AGE GROUP Monthly Rate Annual Rate
Teenagers $304 $3,653
20s $154 $1,853
30s $117 $1,401
40s $114 $1,363
50s $103 $1,236
60s $107 $1,280
70s $132 $1,578

Austin Car Insurance Rates by Marital Status and Gender

Marital status is another factor that contributes to your car insurance rate in Austin. Married drivers in Austin pay lower rates than single drivers. Married drivers are considered more responsible on the road and more financially stable. Additionally, widowed drivers pay cheaper rates than single drivers.

Moreover, male drivers in Austin pay $10 more than female drivers. Female drivers are considered more responsible drivers than males. Therefore, female drivers are given a $10 decrease in their insurance rate.

Austin Car Insurance Premiums by Marital Status and Gender

Gender Monthly Rate Yearly Rate
Female $118 $1,414
Male $119 $1,424
Marital Status Monthly Rate Annual Rate
Single $111 $1,329
Married $111 $1,329
Divorced $119 $1,424
Widowed $109 $1,297

Austin Car Insurance Rates by Citation and Driving Record

Your driving record in Austin substantially impacts your car insurance rates. If you are found guilty of driving recklessly or speeding, your annual insurance premiums could substantially increase.

Reckless driving citations in Austin can result in a rate increase of $789, while speeding tickets can result in a $121 raise in your annual car insurance. As for DWI or DUI violations, an additional cost of $806 will be added to your annual rate. Therefore, it is essential to maintain a clean driving history to receive a cheaper car insurance rate in Austin.

Austin Car Insurance Rates by Violation Record and Driving History

Violation Monthly Rate Annual Rate
DWI/DUI $186 $2,230
Reckless Driving $184 $2,213
At-Fault Accident (less than $1000 damages) $151 $1,811
At-Fault Accident (greater than $2000 damages) $180 $2,160
Speeding Ticket (over 16-20 mph over speeding limit) $129 $1,545

Austin Car Insurance Rates by Credit Level

The credit score of Austin drivers is another factor that impacts car insurance rates. If drivers significantly elevate their credit scores from “Very Poor” (300-579) to “Exceptional” (800-850), they can get up to 61% savings on their car insurance rate. Taking a small step towards “Fair” credit from the “Very Poor” tier will also result in savings of $1,241 on your annual auto insurance cost in Austin. Thus, improving your credit tier is one way to save on your Austin car insurance rates.

Austin Car Insurance Rates by Credit Level

Credit Score Monthly Rate Yearly Rate
Very Poor $251 $3,017
Fair $148 $1,776
Good $119 $1,424
Very Good $110 $1,320
Exceptional $98 $1,170

Austin, TX Car Insurance Rates by Location

Location is another contributing factor to your auto insurance rates. If you live in areas of Austin, Texas that are considered high-risk by insurer, it is likely for your car insurance rates to increase. Certain zip codes in Austin are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive rates by 23% ($303) than areas considered lower-risk in Austin.

Austin Car Insurance Rates by ZIP Code

Austin ZIP Codes with Expensive Rates Austin ZIP Codes with Cheaper Rates
78617 78717
78719 78727
78712 78728
78799 78759
78710 78732

Driving and Weather Conditions in Austin, TX

Weather conditions trigger a lot of auto accidents in Austin. Drivers may experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

Austin experiences an average of 88 rainy days annually with occasional thunderstorms and flash floods. Hence, the climate is a source of car accidents in Austin and insurers consider this data when calculating quotes.

List of Car Insurance Companies in Austin

21st Century
AAA
AFI
Access
Affirmative
Aggressive Insurance
AmWINS Heritage
AmWINS Star
Amica Mutual Insurance
Apparent
Assurance America
Bristol West
CAIC
Cal Casualty
Clearcover
Commonwealth Casualty
Dairyland
Direct Auto
Elephant
Empower
Encompass
FIMC
Falcon
Farmers
Foremost
GAINSCO
GEICO
Germania Mutual
Hallmark
Hippo
Infinity
Jupiter Auto
Kemper Auto
Kemper Preferred
Lamar General Agency
Liberty Mutual
Mendota
Mercury
MetLife
Multi-State
National General
Nationwide
Progressive
Pronto
Pronto Flex
Safe Auto
Safeco
Safeway Insurance Company
State Auto
State Farm
Stillwater
Texas Farm Bureau
The General
The Hartford
Titan
Travelers
UPC
USAA
Unitrin
Windhaven

Austin Car Insurance FAQs

After making a claim in Austin, how long do I legally need to get my car fixed?

Each company has different policies regarding such issues. You may need to wait for the best time to get your car fixed, but you also need to see specific information about repairs with your insurance company.

If I were to remove my wife from my insurance policy in Austin because she doesn’t drive, is there a possibility for my rate to change?

Your rate will decrease if you were to remove your wife from your insurance policy since there will be fewer people to cover and lower risk to your policy.

Do insurance companies provide rideshare coverage for Uber drivers in Austin?

Yes, there are insurance companies that insure Uber drivers. All you have to do is to prepare a special endorsement policy that states that you are allowed to drive for rideshare.