What's the Cost of Car Insurance in Austin?
Texas premiums, which are 14% higher than the national average, are recognized for being expensive. Premiums also run high in the city, so understanding premium costs while insuring a vehicle in Austin is critical. Who doesn't like to save money? Check out some ways to save on auto insurance in Austin.
AUTO INSURANCE COSTS: AUSTIN VS. STATE/US MEAN
|City Average||State Average||National Average|
Find car insurance near me today:
Austin Car Insurance Premiums by Age
When drivers hit their 20s in Austin, therefore moving out of the teenage age bracket, they reduce their premiums by 61%. You won't see a more significant change between any other age group. In Austin, turning 60 means an increase in car insurance premiums. Up until then, transitioning between age groups means decreasing prices. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance payments among any age group, with rates of $1,531 per year. Those in their 60s ($1,592) aren’t paying significantly more. Teenage drivers have the most expensive rates of any age group. They pay around $5,801 per year on car insurance premiums.
AUSTIN CAR INSURANCE PREMIUMS BY DRIVER AGE
Austin Car Insurance by Gender and Marital Status
Both marital status and gender are important considerations in determining the cost of car insurance in Austin. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you an average of $183 more per year on car insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. On average, males have premiums that are barely more pricey than those for females.
AUSTIN CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Austin Car Insurance by Accident or Violation History
Having a clean driving record is important to keep the price of rates low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. When comparing rates for drivers with at-fault accidents in Austin, those with damages exceeding $2,000 pay $406 more than those with damages less than $1,000. Generally, a DUI in Austin will cost you 39% more in car insurance premiums versus the city average of $1,797. Reckless driving will bump your rates up as well, with average rates of $2,548.
AVERAGE AUSTIN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,319|
|At-fault Accident (damages greater than $2,000)||$2,725|
|Speeding Ticket (16-20 mph over speed limit)||$1,890|
Austin Auto Insurance by Credit Rating
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you 51% every year on premiums. The biggest benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save around $1,133 per year.
AUSTIN CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Auto Insurance Rate|
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
Car Insurance Companies in Austin
Find Local Austin Agents
Eckert Insurance Group, Inc.
824 W 10th St Austin, TX 78701
AP & S Agency, Inc.
1016 La Posada Dr. Austin, TX 78752
Time Insurance Agency Inc
1405 E Riverside Dr Austin, TX 78741
11442 N. IH-35 Austin, TX 78753
Shepard & Walton Life Insurance
8217 Shoal Creek Blvd Austin, TX 78757
Watkins Insurance Group
3834 Spicewood Springs Road Austin, TX 78759
Heaton Bennett Insurance
3933 Steck Avenue #B119 Austin, TX 78759
MRD Insurance Services
7700 W Highway 71 # 300 Austin, TX 78735
The Nitsche Group
12345 N. Lamar Austin, TX 78753
Anderson Rogers Insurance
3407 W Slaughter Lane Austin, TX 78748
Achilles & Associates
7756 Northcross Dr #204 Austin, TX 78757
Troiano Insurance Agency
5118 Burnet Rd, Suite A Austin, TX 78756
SIG/Chaparral Insurance Group
911 W Anderson Ln Austin, TX 78757
Ed Weeren Insurance Agency
300 Highland Mall Blvd. #208 Austin, TX 78752
Central Insurance Agency
6000 N. Lamar Blvd. Austin, TX 78752
SureUp Isnurance Services, Inc.
2819 Foster Ln Austin, TX 78757
Bowman Insurance Services, Inc.
8200 N. IH 35 Austin, TX 78753
J M Rowley Agency Inc
6805 Guadalupe St Austin, TX 78752
3103 Bee Caves Road Austin, TX 78746
TWFG Insurance Services
7901 Cameron Rd Ste 250 Austin, TX 78754
Keystone Insurance Services, Inc.
8704 Dawnridge Circle Austin, TX 78757
Starr Insurance Agency
8801 Research Blvd Austin, TX 78758
Austin Insurance Group
9705 Burnet Rd #314 Austin, TX 78758
The average Austinite's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Austin
Just enter your zip code to get started
Austin Car Insurance
Austin Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...