Austin was ranked as one of the worst cities in the United States to drive in 2021. However, car insurance rates in the city are not far off from the Texas average, with minimum coverage costing $564 per year and full coverage costing $1809 per year.
Car insurance is required for all city residents, but fortunately for Austin drivers, coverage is not a lot more expensive than the national average, which is $1689 per year for full coverage. Many of the largest car insurance companies offer rates even lower than the city average. Whether you want basic or comprehensive coverage for your car, Austin drivers have several options for finding the best cheap car insurance policies.
Getting cheap car insurance in Austin is no big ask. You can get cheap car insurance quotes in Austin. All you have to do is look at the right place.
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In Austin, Texas, the average annual car insurance premium is $1440. This is more than the Texas statewide average ($1422) but less than the national average of $1557.
|Austin (annual average)||Texas (annual average)||United States|
The difference in auto insurance rates from one company to the next can be significant. In Austin, USAA has the lowest premiums for the average insurance buyer. The top options for low-cost insurance in Austin are listed below. Don't forget to get insurance quotes based on your specific driving history.
|Car insurance company||Average Annual Rate|
Rates for Austin drivers in their 60s are reasonably priced, starting at $1290 per year. Drivers in their 20’s have the highest insurance rates.
|Age||Average Annual Rate|
A driver's marital status may affect their car insurance rates in some cases. According to data, single drivers pay more than married drivers in most places because they are more likely to file claims. Rates for widowed people are also significantly lower than rates for single people. In Austin, insurance rates for widowed people are lower than rates for single people.
|Marital status||Average Annual Rate|
Another factor that can influence auto insurance premiums is gender. In Austin, the gender gap in car insurance rates is $18 per year, with male drivers paying more than female drivers.
Avoiding accidents and citations is the best way to keep your auto insurance rates low no matter where you live. At-fault accidents, DUIs, reckless driving citations, and speeding tickets contribute to high auto insurance rates, as insurance companies reward low-risk drivers with low rates.
For auto insurance, Austin drivers who are found guilty of reckless driving pay a steep price, with a rate increase of $792 per year compared to the city average. A speeding ticket result in a $126 rate increase, whereas a DWI or DUI violation costs $813 per year in additional insurance costs.
|Driving Violation||Increased rate|
A driver's credit score is closely related to their auto insurance rates. Raising your credit score to "Fair" in Austin results in a $1245 reduction in annual car insurance rates.
|Credit Tier||Annual rate|
Your car insurance rates in Austin are affected by where you live. Aside from your driving history and credit score, where you live is a major factor in the car insurance rates you'll pay. What's the reason? Crime, theft, and uninsured drivers differ by ZIP code.
So, if you live in a neighborhood where people don't get along, car insurance companies may consider you a high risk to insure, which means your rates may be higher than those of a neighbor down the street. And unfortunately, Austin is no exception.
Auto theft in Austin is more prevalent than in the average US metro area. Austin Metro is in the 24th percentile for safety, which means that 76% of metro areas are safer, while 24% are more dangerous.
During a typical year, the rate of auto theft in the Austin metro area is 1.78 per 1,000 residents. People in the Austin metro area generally believe that the northwest part of the city is the safest for this type of crime.
In the Austin metro area, your chances of being a victim of vehicle theft are as high as 1 in 154 in the southern neighborhoods and as low as 1 in 2,317 in the northwest.
Austin has some of the worst traffic in the country. Because of this unfortunate distinction, Austin ranks alongside New York City and Los Angeles in terms of increased congestion and time spent in traffic each year. Austin is the 29th most congested city in the United States, with approximately 19 hours per year lost to congestion.
The following are the statistics for the year 2021:
Austin is a large city. Here are some transportation tips and tricks to help you get around.
If you decide to buy from a private seller, have a seasoned driver test drive the car for you. It is also strongly advised that you take the car to a mechanic for a "buyer's check."
The Texas Department of Insurance (TDI) offers an online guide to assist you in selecting an insurance policy. Obtain price quotes from several insurance companies before purchasing insurance. To get sample prices and compare policies, use TDI's HelpInsure service. To purchase insurance, you will need the VIN of your vehicle as well as the number of your driver's license.
Are you looking for cheap full coverage of auto insurance in Austin, TX? Are you looking for great car insurance in Austin that's also reasonably priced? Austin auto insurance companies claim to have amazing discounts, clear policies, and custom coverage options. Our knowledgeable local agents are ready to assist you in understanding even the most complex state requirements, insurance terms, coverages, and deductibles.
Take a look at the top car insurance companies in Austin below:
|State Farm||Infinity County|
|Auto Club County||Esurance|
|Texas Farm Bureau||Elephant|
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Austin's average car insurance rate is $1440 per year, slightly less than the state and national averages. Austin drivers pay 7.5% less than the state's average annual cost of car insurance, which is $1422.
Way.com obtained quotes from nine of Texas's largest auto insurers and discovered that USAA provides Austin's cheapest minimum coverage insurance.
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