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 Average||State Average||National Average|
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
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/Gender||Average Rate|
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 Level||Average Rate|
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 Violation||Average Rate|
|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.
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
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
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
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
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