Car Insurance in Austin
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Car Insurance in Austin, TX
Austin is the fifth-largest city in Texas and the fastest-growing metro in the nation. Its growth is attributed to numerous major companies headquartered in the city, including Whole Foods Market, Dell Technologies, and Resideo.
Austin's notorious congestion means commutes can be lengthy. The city also includes several major toll roads, so drivers should be prepared to pay a fee if they drive on them. Austin drivers must abide by Texas driving laws, which include wearing seatbelts and refraining from using a cell phone when behind the wheel.
Austin drivers must carry a minimum 30/60/25 liability insurance policy. However, lenders may require additional coverage if you have an auto loan or lease.
The city you live in — and even your zip code — can impact your insurance rates. EverQuote can compare car insurance quotes in Austin to maximize your savings.
How much is car insurance in Austin, TX?
The total cost of car insurance in Austin will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Austin?
Evaluating and ranking the insurance costs for every possible car, make, model, and year combination in the city is a challenging task. However, if your interested in which newer models generally offer more affordable car insurance rates, here are the top 10 cheapest car makes and models to consider if you live in Austin:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $189 |
| 2 | Subaru Forester | $190 |
| 3 | Honda Cr-V | $190 |
| 4 | Toyota Corolla | $193 |
| 5 | Ford Fusion | $194 |
| 6 | Kia Sedona | $194 |
| 7 | Toyota Rav4 | $195 |
| 8 | Kia Sol | $196 |
| 9 | Toyota Tacoma | $198 |
| 10 | Ford F-150 | $203 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your history on the road affects your car insurance cost. Whether you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Austin sorted form least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $195 | 0% |
| Not at-fault Accident | $209 | +7% |
| Driving with expired registration | $225 | +15% |
| Speeding Ticket | $240 | +23% |
| DUI | $269 | +38% |
| Driving with a suspended license | $288 | +48% |
| Hit and Run | $294 | +51% |
| At-fault Accident | $316 | +62% |
What car insurance discounts can I get in Austin?
There are several discounts that could help bring down your costs in Austin. Among these are multi-policy bundling, upfront payment discounts, signing up for paperless transactions, and loyalty-based renewal discounts, to mention a few. The following list, sorted from the largest discount to the smallest, can guide you towards potential cost-saving strategies:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $172 | +$23 |
| Paid in Full | $185 | +$10 |
| Multi-Policy Renters | $187 | +$8 |
| Low Mileage | $188 | +$7 |
| Renewal discount | $188 | +$7 |
| Paperless | $192 | +$7 |
| Electronic Funds Transfer | $194 | +$1 |
| None | $195 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.