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 Average||U.S. Average|
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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
|Insurer||Average Yearly Rate|
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 bracket||Average Annual Rate|
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 Status||Average Yearly Rate|
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
|Violation||Average Yearly Rate|
|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|
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 Level||Average Rate (annual)|
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.
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
Car Insurance Companies in Austin
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
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
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
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