Cheap Auto Insurance Quotes in Austin, TX (2021)

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Car Insurance in Austin, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Austin, TX to find you the cheapest quotes in the area.

$149
$159
$175
$181
$216
ProgressiveState FarmNationwideDirect AutoMercury

Cheapest Car Insurance in Austin

Here are the cheapest carriers in Austin for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

$222
$222
$225
$258
$203
$203
TexasHoustonSan AntonioDallasFort WorthAustin

Click here to learn about car insurance quotes and save on your current policy.

Austin, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.

  • $25,000 propery damage liability per accident

The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Find local Austin agents

Lorac Services, LLC 
10917 S. IH 35, Austin, TX 78747
Watkins Insurance Group 
3834 Spicewood Springs Road, Austin, TX 78759
Central Insurance Agency 
6000 N. Lamar Blvd., Austin, TX 78752
ANCO Insurance of Austin 
3103 Bee Cave Road, Austin, TX 78746
Sentry Insurance Group 
15501 RR 620 N, Austin, TX 78717
Heaton Bennett Insurance 
3933 Steck Avenue #B119, Austin, TX 78759
TexStar-Integra Insurance Services 
'1921 Lohman''s Crossing, Ste 100, Austin, TX 78734'
J. M. Rowley Agency, Inc. 
6805 Guadalupe, Austin, TX 78752
Frost Insurance Agency, Inc. 
401 Congress, Ste.1400, Austin, TX 78701
The John A. Barclay Agency, 
8701 Shoal Creek Blvd, Austin, TX 78757

Insurify Insights: How Austin Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Austin, TX
suspended licenses
#120
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Austin drivers measure up to their fellow Texas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Austin

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Austin drivers rank 28 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #28
  • Percent of drivers in Austin with an accident: 11.91%
  • Drivers in Austin, TX with an accident in their driving history paid on average 30.33% more than drivers with a clean record

Speeding Austin

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Austin drivers rank 59 in the number of speeding infractions per driver.

  • Rank within state: #59
  • Percent of drivers in Austin with a speeding ticket: 9.57%
  • Drivers in Austin, TX with a speeding ticket in their driving history paid on average 23.22% more than drivers with a clean record

DUI/DWIs Austin

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Austin drivers rank 20 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #20
  • Percent of drivers in Austin with a DUI: 2.08%
  • Drivers in Austin, TX with a DUI in their driving history paid on average 21.8% more than drivers with a clean record

Most Popular Vehicle Austin

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Austin is the Toyota Corolla.

Rude Austin

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Austin drivers rank 38 in rude driving infractions.

  • Rank within state: #38
  • Percent of drivers in Austin with a reckless driving violation: 1.56%
  • Drivers in Austin, TX with a reckless driving violation in their driving history paid on average 18.96% more than drivers with a clean record.

Safest Drivers Austin

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Austin drivers rank 101 in clean driving records across all cities in Texas.

  • Rank within state: #101
  • Percent of drivers in Austin with clean record: 79.62%

Failure to Yield the Right of Way Austin

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Austin drivers rank 2 in failure to yield violations per driver across all cities in Texas.

  • Rank within state: #2
  • Percent of drivers in Austin with a failure to yield violation: 0.44%
  • Drivers in Austin, TX with a failure to yield violation in their driving history paid on average 3300% more than drivers with a clean record

Reckless Drivers Austin

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Austin drivers rank 17 in the number of reckless driving offenses per driver.

  • Rank within state: #17
  • Percent of drivers in Austin with a reckless driving offense: 0.03%

Hybrid/Electric Vehicle Ownership Austin

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Austin drivers rank 9 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #9
  • Percent of drivers in Austin with a hybrid/electric vehicle: 2.21%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.