Car Insurance in Austin, TX - May 2023

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.

Get a free car insurance quote in Texas today.

How Much Does Car Insurance Cost In Austin?

Austin Rates Vs Texas Vs The United States Averages

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 Auto Insurance Premiums By Company

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.

Austin Auto Insurance Premiums By Age Group

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.

Austin Auto Insurance Premiums By Marital Status

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.

Austin Auto Insurance Premiums By Gender

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.

Austin Auto Insurance Premiums By Driving Record

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.

Austin Auto Insurance Premiums By Credit Rating

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.

What Would Increase Your Car Insurance Rate In Austin?

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 Statistics In Austin

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.

Accidents Statistics In Austin

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:

• 12990 collisions
• 31302 people were involved in crashes
• 1200 accidents involving drunk driving
• 3501 accidents caused by distracted driving
• 5259 intersection-related accidents

Useful Info For Driving In Austin

Austin is a large city. Here are some transportation tips and tricks to help you get around.

• Bus - All UT Shuttles and Capital Metro bus and light rail services are simple. Check out the Capital Metro system map to see where you can go.
• Renting a Car - To rent a car, you must be at least 21 years old. In Texas, you must have liability insurance if you drive a car, and you will have to pay for this type of insurance daily if you do not have it. Zipcar, for example, rents cars by the hour. They are typically app or web-based, and you can sign up from your phone or computer.

Buying a Car in Austin

• Create a Budget - The cost of owning and operating a car can be prohibitively expensive. It would help if you considered sales tax, fees for title application fees, yearly car registration, auto insurance, basic maintenance, parking, and repairs in addition to the price of the car.
• Buying a Used Car - You can compare prices online and find other useful information. Before you see a car, contact the seller for more information. When speaking with the owner, request the VIN (Vehicle Identification Number). You can use the VIN to check the vehicle's history at Carfax or request a vehicle history report from the dealership.

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."

• Car Registration and Titles - To avoid a financial penalty, you must transfer the car's title within 30 days of purchase. The Texas Department of Motor Vehicles has more information on registering your vehicle. If you live in Austin, you'll need to register your vehicle at the Travis County Tax Office. The Tax Office is currently only available by appointment.
• Car Insurance - Drivers in Texas are required by state law to pay for any accidents they cause, and most people do this with liability insurance. If you are at fault in an accident, a liability policy will pay to repair or replace the other driver's car as well as other people's medical expenses.

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.

Car Insurance Companies In Austin

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: