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 AverageState AverageNational Average
$1,797$1,792$1,569


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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
AgeAverage Rate
Teenagers$5,801
20s$2,276
30s$1,773
40s$1,719
50s$1,531
60s$1,592
70s$1,850


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/GenderAverage Rate
Female$1,780
Male$1,797
Single$1,797
Married$1,614
Divorced$1,797
Widowed$1,701


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
Incident/ViolationAverage Rate
DUI$2,493
Reckless Driving$2,548
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 ScoreAverage Auto Insurance Rate
Very Poor$3,219
Fair$2,086
Good$1,797
Very Good$1,692
Exceptional$1,567


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

Find Local Austin Agents

Starr Insurance Agency

8801 Research Blvd Austin, TX 78758

Eckert Insurance Group, Inc.

824 W 10th St Austin, TX 78701

Keystone Insurance Services, Inc.

8704 Dawnridge Circle Austin, TX 78757

Shepard & Walton Life Insurance

8217 Shoal Creek Blvd Austin, TX 78757

Bowman Insurance Services, Inc.

8200 N. IH 35 Austin, TX 78753

SIG/Chaparral Insurance Group

911 W Anderson Ln Austin, TX 78757

TWFG Insurance Services

7901 Cameron Rd Ste 250 Austin, TX 78754

Central Insurance Agency

6000 N. Lamar Blvd. Austin, TX 78752

MRD Insurance Services

7700 W Highway 71 # 300 Austin, TX 78735

The Nitsche Group

12345 N. Lamar Austin, TX 78753

Ed Weeren Insurance Agency

300 Highland Mall Blvd. #208 Austin, TX 78752

ANCO Insurance

3103 Bee Caves Road Austin, TX 78746

SureUp Isnurance Services, Inc.

2819 Foster Ln Austin, TX 78757

Anderson Rogers Insurance

3407 W Slaughter Lane Austin, TX 78748

Troiano Insurance Agency

5118 Burnet Rd, Suite A Austin, TX 78756

Watkins Insurance Group

3834 Spicewood Springs Road Austin, TX 78759

AP & S Agency, Inc.

1016 La Posada Dr. Austin, TX 78752

Achilles & Associates

7756 Northcross Dr #204 Austin, TX 78757

Time Insurance Agency Inc

1405 E Riverside Dr Austin, TX 78741

Heaton Bennett Insurance

3933 Steck Avenue #B119 Austin, TX 78759

J M Rowley Agency Inc

6805 Guadalupe St Austin, TX 78752

Dragoo Agency

11442 N. IH-35 Austin, TX 78753

Austin Insurance Group

9705 Burnet Rd #314 Austin, TX 78758

2

$1,413

The average Austinite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

377

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

See How Much You Can Save in Austin

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Recent Questions:

Austin Car Insurance

How long do I legally have to get the car fixed after making a claim?

Hello, You are correct about how long you have to file a claim. However, each company is different, so you need to contact your insurance company for specific information relating to your repairs.

Will my rate change if I remove my non driving wife from insurance policy?

The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy.

Companies that provide rideshare coverage for Uber

Yes, there are insurance companies that will insure you if you drive for a rideshare company. You will need to have a special endorsement on the policy that allows you to drive for rideshare and you are usually required to have higher limits.

What model car can I pick to get the cheapest insurance rates?

The cheapest type of car to ensure is typically an early 2000's four-door sedan. You want it to be a car that you are not making payments on that way you do not have to carry comprehensive and collision coverage.