How much does auto insurance cost in Austin?


The average car insurance rate in Austin, Texas, is $1,424 per year. That's more than the statewide average in Texas ($1,415) and cheaper than the national average of $1,548. Our guide to Austin auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE: AUSTIN RATES VS. STATE + NATIONAL AVERAGES
Austin Average (annual)Texas AverageU.S. Average
$1,424$1,415$1,548

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Austin auto insurance costs by insurer


The difference in auto insurance rates from company to company can be substantial. In Austin, GEICO offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Austin. Don't forget to get car insurance quotes based on your unique driving profile.


AUSTIN CAR INSURANCE PREMIUMS BY COMPANY
InsurerAverage Yearly Rate
GEICO$1,224
USAA$1,229
State Farm$1,310
Allstate$2,330

Check out our guide to learn how to find the best cheap car insurance.



Austin car insurance premiums by age

Austin drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,236 per year, on average. Rates for Austin drivers in their 60s are also relatively affordable, at just $1,280 per year.

The Austin drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Austin is to age out of your teens. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Austin is $1,800, the largest such difference between any two age groups.


AUSTIN AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$3,653
20s$1,853
30s$1,401
40s$1,363
50s$1,236
60s$1,280
70s$1,578

Learn more about the impact of age on auto insurance rates.



Austin car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Austin pay $95 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Austin, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Austin, the gap in auto insurance rates between genders is $10 per year, with male drivers paying more than female drivers.


AUSTIN CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,414
Male$1,424
Single$1,329
Married$1,329
Divorced$1,424
Widowed$1,297

Read more about the relationships between gender, marital status and insurance rates.



Austin car insurance costs by accident and violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Austin drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $789 per year versus the city average. A ticket for speeding results in a $121 rate hike while a DWI or DUI violation costs $806per year in extra insurance expenditures.


AVERAGE AUSTIN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Yearly Rate
DUI/DWI$2,230
Reckless Driving$2,213
At-fault Accident (damages < $1,000)$1,811
At-fault Accident (damages greater than $2,000)$2,160
Speeding Ticket (16-20 mph over speed limit)$1,545

Get more info on how a bad driving history can impact your car insurance costs.



Austin car insurance rates by credit score


A driver's credit level can be closely correlated with their auto insurance rates. Austin drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Austin, improving your credit to "Fair" corresponds with a $1,241 decrease in annual car insurance rates.


AUSTIN AUTO INSURANCE PREMIUMS BY CREDIT TIER
Credit LevelAverage Rate (annual)
Very Poor$3,017
Fair$1,776
Good$1,424
Very Good$1,320
Exceptional$1,170

Learn more about how to find cheap car insurance with bad credit.



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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.

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

AmWINS Heritage AmWINS Star Apparent AssuranceAmerica Bristol West Clearcover Commonwealth Casualty Dairyland Direct Auto Elephant Falcon GAINSCO Hallmark Infinity Jupiter Auto Kemper Auto Lamar General Agency Liberty Mutual Mercury MetLife Progressive Pronto Pronto Flex Safe Auto Safeco State Auto Stillwater Travelers

Find Local Austin Agents

Watkins Insurance Group

3834 Spicewood Springs Road Suite 100, Austin, TX 78759

Austin Insurance Group

9705 Burnet Rd #314, Austin, TX 78758

Time Insurance Agency Inc

1405 E Riverside Dr, Austin, TX 78741

SIG/Chaparral Insurance Group

911 W Anderson Ln Ste. 119, Austin, TX 78757

MRD Insurance Services

7700 W Highway 71 # 300, Austin, TX 78735

TWFG Insurance Services

7901 Cameron Rd Ste 250, Austin, TX 78754

Troiano Insurance Agency

5118 Burnet Rd, Suite A, Austin, TX 78756

Shepard & Walton Life Insurance

8217 Shoal Creek Blvd, Austin, TX 78757

ANCO Insurance

3103 Bee Caves Road Suite 242, Austin, TX 78746

Achilles & Associates

7756 Northcross Dr #204, Austin, TX 78757

J M Rowley Agency Inc

6805 Guadalupe St, Austin, TX 78752

Keystone Insurance Services, Inc.

8704 Dawnridge Circle, Austin, TX 78757

Dragoo Agency

11442 N. IH-35, Austin, TX 78753

The Nitsche Group

12345 N. Lamar Suite 190, Austin, TX 78753

Heaton Bennett Insurance

3933 Steck Avenue #B119, Austin, TX 78759

SureUp Isnurance Services, Inc.

2819 Foster Ln Apt F238, Austin, TX 78757

Starr Insurance Agency

8801 Research Blvd Suite 104, Austin, TX 78758

Ed Weeren Insurance Agency

300 Highland Mall Blvd. #208, Austin, TX 78752

Anderson Rogers Insurance

3407 W Slaughter Lane Suite C, Austin, TX 78748

Eckert Insurance Group, Inc.

824 W 10th St Ste 200, Austin, TX 78701

AP & S Agency, Inc.

1016 La Posada Dr. Ste. 138, Austin, TX 78752

Bowman Insurance Services, Inc.

8200 N. IH 35, Austin, TX 78753

Central Insurance Agency

6000 N. Lamar Blvd., Austin, TX 78752

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

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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.