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 AverageState AverageNational Average
$1,790$1,810$1,427


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
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 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 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


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/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 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 QualityAverage Auto Insurance Rate
Very Poor$3,143
Fair$2,655
Good$2,200
Very Good$1,852
Exceptional$1,487


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 Zip Codes

78617   78719   78712   78799   78710  

Cheap Zip Codes

78717   78727   78728   78759   78732  

Be Prepared For

Driving in ATX

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

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

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 Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Austin Agents

Shepard & Walton Life Insurance

8217 Shoal Creek Blvd Austin, TX 78757

Troiano Insurance Agency

5118 Burnet Rd, Suite A Austin, TX 78756

MRD Insurance Services

7700 W Highway 71 # 300 Austin, TX 78735

$1,413

The average Austinite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

377

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

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