Car Insurance in Austin
Premiums in Austin are relatively equivalent to state rates, as its premiums are within $20 of Texas' average. Let’s go over some ways to save on car insurance in Austin.
- City Average: $1,790
- State Average: $1,810
- National Average: $1,427
Austin Car Insurance by Gender and Marital Status
Car insurance premiums in Austin can be influenced by driver attributes such as marital status and gender. However, premiums are barely cheaper for women than for men. Women normally pay 1% less than men every year for insurance. Believe it or not, marital status has a substantial impact on premiums. Married individuals save 10% per year compared to those who are single. Rates for those who are widowed are also significantly cheaper than rates for those who are single.
- Female: $1,771
- Male: $1,790
- Single: $1,790
- Married: $1,610
- Divorced: $1,790
- Widowed: $1,625
Austin Car Insurance by Accident or Violation History
Accidents and violations on your record can cost you in terms of prices on car insurance. Nobody plans on being in an accident, but stuff happens, so be aware of what can happen to your rates following one. Being at-fault in an accident can cost drivers an extra 49% per year in premiums compared to the city average. Typically, a DUI in Austin will cost you 42% more in car insurance premiums versus the city average of $1,790. Reckless driving will also drive your premiums up, with average rates of $2,481. That is 39% higher than the city average.
- DUI: $2,540
- Reckless Driving: $2,481
- At-fault Accident (damages less than $1000): $2,676
- At-fault Accident (damages greater than $2000): $2,676
- Speeding Ticket (16-20 mph over speed limit): $1,866
Austin Car Insurance by Credit Rating
The discrepancy between average car insurance premiums in Austin for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $1,656/year. The most notable benefit of better credit comes from rising from Very Poor (300-579) to Fair (580-669), by which drivers can save around $365 per year.
- Very Poor: $3,143
- Fair: $2,655
- Good: $2,200
- Very Good: $1,852
- Exceptional: $1,487
Austin Car Insurance by Age
Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $1,524. People in their 60s ($1,591) aren’t paying much more. In Austin, drivers see the greatest decline in premiums when they hit their 20s, as they save an average of 62% from moving out of the teenage age bracket. In Austin, turning 60 means a rise in premiums. Up until then, progressing between age groups means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with typical rates of $5,815.
- Teenagers: $5,815
- 20s: $2,185
- 30s: $1,764
- 40s: $1,704
- 50s: $1,524
- 60s: $1,591
- 70s: $1,978
What drives up car insurance rates in Austin?
Where you live in Austin affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Austin is no exception to the rule. From zip code 78717 to 78710, premiums rise by 23 percent—that’s $303.
Expensive Austin Zip Codes: 78617, 78719, 78712, 78799, 78710
Cheap Austin Zip Codes: 78717, 78727, 78728, 78759, 78732
Austin Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Austin, you can expect 88 rainy days with an annual rainfall of 34.2 inches. Austin is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in ATX
Major HighwaysI-35 U.S. 290 SH 71
Toll Roads183A Toll Road 290 Toll Road Loop 1 Toll
Find Local Austin Agents
Achilles & Associates
7756 Northcross Dr #204 Austin, TX 78757
TWFG Insurance Services
7901 Cameron Rd Ste 250 Austin, TX 78754
Troiano Insurance Agency
5118 Burnet Rd, Suite A Austin, TX 78756
J M Rowley Agency Inc
6805 Guadalupe St Austin, TX 78752
Time Insurance Agency Inc
1405 E Riverside Dr Austin, TX 78741
SIG/Chaparral Insurance Group
911 W Anderson Ln Austin, TX 78757
Anderson Rogers Insurance
3407 W Slaughter Lane Austin, TX 78748
Shepard & Walton Life Insurance
8217 Shoal Creek Blvd Austin, TX 78757
AP & S Agency, Inc.
1016 La Posada Dr. Austin, TX 78752
The Nitsche Group
12345 N. Lamar Austin, TX 78753
Keystone Insurance Services, Inc.
8704 Dawnridge Circle Austin, TX 78757
3103 Bee Caves Road Austin, TX 78746
Central Insurance Agency
6000 N. Lamar Blvd. Austin, TX 78752
MRD Insurance Services
7700 W Highway 71 # 300 Austin, TX 78735
SureUp Isnurance Services, Inc.
2819 Foster Ln Austin, TX 78757
Heaton Bennett Insurance
3933 Steck Avenue #B119 Austin, TX 78759
Eckert Insurance Group, Inc.
824 W 10th St Austin, TX 78701
Bowman Insurance Services, Inc.
8200 N. IH 35 Austin, TX 78753
Starr Insurance Agency
8801 Research Blvd Austin, TX 78758
Austin Insurance Group
9705 Burnet Rd #314 Austin, TX 78758
11442 N. IH-35 Austin, TX 78753
Ed Weeren Insurance Agency
300 Highland Mall Blvd. #208 Austin, TX 78752
Watkins Insurance Group
3834 Spicewood Springs Road Austin, TX 78759
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