What's the Average Cost of Car Insurance in Austin?


Texas is recognized for its costly premiums, as its mean rate exceeds the national average by $383. Premiums run high in the city as well, so in Austin, it is crucial to save while insuring a vehicle. Let's take a look at how auto insurance costs in Austin contrast with rates nationwide.


CAR INSURANCE PREMIUMS: AUSTIN VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$1,790$1,810$1,427


Austin Car Insurance Premiums by Age Bracket

Everyone 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 $1,524 per year. People in their 60s ($1,591) also have relatively low premiums. In Austin, drivers see the largest drop in premiums when they hit their 20s, as they pay an average of 62% less after moving out of the teenage age range. Insurance rates for drivers continue to decline through their 50s, but they can expect a change when they turn 60. With average car insurance payments of $5,815, teenage drivers have the biggest premiums out of all the age groups.


AUSTIN CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$5,815
20s$2,185
30s$1,764
40s$1,704
50s$1,524
60s$1,591
70s$1,978


Austin Car Insurance by Gender and Marital Status


In Austin, both gender and marital status play a part in your car insurance premiums. In your city, marital status actually has a substantial impact on premiums. You can save around 10% per year if you're married as opposed to single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single. Premiums for men and women normally deviate by a mere 1%, with women paying less.


AUSTIN AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,771
Male$1,790
Single$1,790
Married$1,610
Divorced$1,790
Widowed$1,625


Austin Car Insurance by Credit Score


Average car insurance premiums in Austin for individuals with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers can save around $365 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).


AUSTIN CAR INSURANCE COSTS BY CREDIT LEVEL
Credit LevelAverage Rate
Very Poor$3,143
Fair$2,655
Good$2,200
Very Good$1,852
Exceptional$1,487


Austin Car Insurance by Accident or Violation History


Maintaining a spotless driving record is key if you want to keep the cost of car insurance premiums low. Drivers with a DUI in Austin have rates that surpass the city average of $1,790 by $750. Reckless driving will also bump your premiums up, with average rates of $2,481. Being at-fault in an accident can cost drivers an extra $886 per year in premiums compared to the city average.


AVERAGE AUSTIN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI$2,540
Reckless Driving$2,481
At-fault Accident (damages less than $1,000)$2,676
At-fault Accident (damages greater than $2,000)$2,676
Speeding Ticket (16-20 mph over speed limit)$1,866


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.

88

Rainy Days a Year

34"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Be Prepared For

Driving in ATX

2
Major Highways
I-35 U.S. 290 SH 71
2
Toll Roads
183A Toll Road 290 Toll Road Loop 1 Toll
2
Popular Day Trips
Hamilton Pool Fredericksburg Pedernales Falls

Car Insurance Companies in Austin

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Jupiter Auto Kemper Specialty Lamar General Agency Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Austin Agents

AP & S Agency, Inc.

1016 La Posada Dr. Austin, TX 78752

Starr Insurance Agency

8801 Research Blvd Austin, TX 78758

Eckert Insurance Group, Inc.

824 W 10th St Austin, TX 78701

TWFG Insurance Services

7901 Cameron Rd Ste 250 Austin, TX 78754

ANCO Insurance

3103 Bee Caves Road Austin, TX 78746

J M Rowley Agency Inc

6805 Guadalupe St Austin, TX 78752

Troiano Insurance Agency

5118 Burnet Rd, Suite A Austin, TX 78756

Achilles & Associates

7756 Northcross Dr #204 Austin, TX 78757

Anderson Rogers Insurance

3407 W Slaughter Lane Austin, TX 78748

Time Insurance Agency Inc

1405 E Riverside Dr Austin, TX 78741

Austin Insurance Group

9705 Burnet Rd #314 Austin, TX 78758

Ed Weeren Insurance Agency

300 Highland Mall Blvd. #208 Austin, TX 78752

SureUp Isnurance Services, Inc.

2819 Foster Ln Austin, TX 78757

SIG/Chaparral Insurance Group

911 W Anderson Ln Austin, TX 78757

Heaton Bennett Insurance

3933 Steck Avenue #B119 Austin, TX 78759

Dragoo Agency

11442 N. IH-35 Austin, TX 78753

Keystone Insurance Services, Inc.

8704 Dawnridge Circle Austin, TX 78757

The Nitsche Group

12345 N. Lamar Austin, TX 78753

Shepard & Walton Life Insurance

8217 Shoal Creek Blvd Austin, TX 78757

Watkins Insurance Group

3834 Spicewood Springs Road Austin, TX 78759

Central Insurance Agency

6000 N. Lamar Blvd. Austin, TX 78752

MRD Insurance Services

7700 W Highway 71 # 300 Austin, TX 78735

Bowman Insurance Services, Inc.

8200 N. IH 35 Austin, TX 78753

See All

2

$1,413

The average Austinite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-taco

377

That's equal to 377 breakfast tacos or $565 in savings

See How Much You Can Save in Austin

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Austin Car Insurance

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