How Much Does Car Insurance Cost in Austin?
Austin has premiums that are fairly equivalent to the state average, as they are within $20 of one another. Let's compare car insurance costs in Austin versus premiums across the nation.
CAR INSURANCE COSTS: AUSTIN VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Austin Car Insurance by Age Bracket
At $1,524, drivers in their 50s have the lowest insurance rates among any age group. However, people in their 60s ($1,591) aren’t paying much more. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,815 on average. The biggest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Austin start saving 62%. In Austin, turning 60 means a rise in rates. Up until then, transitioning between age groups means decreasing prices.
AUSTIN AUTO INSURANCE RATES BY AGE
Austin Car Insurance After an Accident or Moving Violation
Do you realize how much an accident or violation history can cost you in terms of prices on car insurance? Do you want to increase your insurance rates by $76? If not, watch your speed because a ticket for driving 16-20mph above the speed limit in Austin will trigger that uplift. Being at-fault in an accident costs drivers an additional 49% per year to insure your vehicle in Austin.
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|
Austin Car Insurance by Marital Status and Gender
Marital status and gender affect your car insurance premiums in Austin. Believe it or not, marital status has a substantial impact on premiums. Being single, as opposed to married, can cost you around 11% more per year on car insurance. Rates for those who are widowed are also way cheaper than rates for those who are single. Luckily for women, their premiums are usually 1% cheaper than for men.
AUSTIN CAR INSURANCE PREMIUMS 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 nearly $365 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
AUSTIN CAR INSURANCE COSTS BY CREDIT TIER
|Credit Quality||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
Find Local Austin Agents
11442 N. IH-35 Austin, TX 78753
MRD Insurance Services
7700 W Highway 71 # 300 Austin, TX 78735
Keystone Insurance Services, Inc.
8704 Dawnridge Circle Austin, TX 78757
Time Insurance Agency Inc
1405 E Riverside Dr Austin, TX 78741
Austin Insurance Group
9705 Burnet Rd #314 Austin, TX 78758
AP & S Agency, Inc.
1016 La Posada Dr. Austin, TX 78752
Achilles & Associates
7756 Northcross Dr #204 Austin, TX 78757
Troiano Insurance Agency
5118 Burnet Rd, Suite A Austin, TX 78756
Central Insurance Agency
6000 N. Lamar Blvd. Austin, TX 78752
Ed Weeren Insurance Agency
300 Highland Mall Blvd. #208 Austin, TX 78752
Bowman Insurance Services, Inc.
8200 N. IH 35 Austin, TX 78753
Shepard & Walton Life Insurance
8217 Shoal Creek Blvd Austin, TX 78757
3103 Bee Caves Road Austin, TX 78746
SIG/Chaparral Insurance Group
911 W Anderson Ln Austin, TX 78757
Anderson Rogers Insurance
3407 W Slaughter Lane Austin, TX 78748
TWFG Insurance Services
7901 Cameron Rd Ste 250 Austin, TX 78754
SureUp Isnurance Services, Inc.
2819 Foster Ln Austin, TX 78757
Watkins Insurance Group
3834 Spicewood Springs Road Austin, TX 78759
J M Rowley Agency Inc
6805 Guadalupe St Austin, TX 78752
Eckert Insurance Group, Inc.
824 W 10th St Austin, TX 78701
Heaton Bennett Insurance
3933 Steck Avenue #B119 Austin, TX 78759
The Nitsche Group
12345 N. Lamar Austin, TX 78753
Starr Insurance Agency
8801 Research Blvd Austin, TX 78758
The average Austinite's annual cost of coverage
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