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Car Insurance in Austin

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Austin, Texas’s capital, is known for a buzzing country and rock music scene with a vibrant, growing culture. It also has a fair amount of traffic congestion. Some reports even tabulated that in 2019 drivers lost 133 hours waiting in rush hour traffic. That’s 5 days, 13 hours, enough time to listen to Willie Nelson’s “Shotgun Willie” over 3,380 times. Time lost in traffic has decreased significantly for 2020 to approximately 75 hours, bringing relief to many drivers. But, for those drivers still on the roads, car insurance is a necessity.

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Quick Facts

  • Austin’s average annual premium is $1,188.
  • Austin’s traffic fatalities were exceptional, with 8 more deaths than the state average per 100,000 people.

How Much Does Car Insurance Cost in Austin?

Texas has more roads than any other state, and that’s why Texas car insurance is so essential to have in order to protect you across all of them. The average annual premium for full coverage car insurance in the Austin area is $1,188. Austin rates are better than Texas’s average rate by about $200. Compared with other major metropolitan areas in the state, Austin car insurance ranks near the cheapest.

City Average Annual Premium
Houston $1,454
Dallas $1,359
San Antonio $1,249
Austin $1,188
Fort Worth $1,137
El Paso $1,020

Two important factors that determine your rate will be the zip code you live in and your age. Insurance providers base part of their premium calculations on a zip code’s statistics, such as population density, number of accidents, crime rates, and average income, which may translate into the types of vehicles common in that zip code. Your age also plays a significant factor, especially for new young drivers who experience more accidents and are considered riskier drivers.

Austin Car Insurance Rates by Zip Code

Although zip codes impact your insurance rates, there is little divergence in average premiums among the most populated zip codes in Austin. In the table below, comparing zip code average annual premiums, there is less than a $200 difference between the top and bottom.

Here is a cross-section of zip codes in Austin and their average state mandatory car insurance rates.

ZIP Code Average Premium
78130 $1,258
78745 $1,194
78704 $1,162
76549 $1,251
78666 $1,258
78748 $1,203
78640 $1,330
78664 $1,343
78613 $1,309
78758 $1,188

Austin Car Insurance Rates by Age

Besides the zip code where you live, age plays a significant factor in determining car insurance rates (marital status and gender have shown little influence on premiums).

Compared to other states, age factors less on Texas premiums. Fortunately, after a driver ages out of their teens, their insurance rates cut in half from the highs they were experiencing. Unfortunately, after that, a minimal decrease is seen.

Age Average Annual Premium
Teens $3,653
20s $1,853
30s $1,401
40s $1,363
50s $1,236
60s $1,280
70s $1,578

In order to guarantee your car insurance rates will go down, you must maintain a clean driving record.

Driving Conditions in Austin

How Many Fatal Accidents Happen in Austin?

Austin reported 86 fatalities in 2019, performing worse than the average number of fatal accidents statewide. In Texas, there were 1.26 fatalities per 100,000 people. Austin suffered 9.05 deaths per 100,000 people.

Many of those fatalities could have been prevented. Although statistics on restraint use in fatal accidents in Austin are not readily available, in 2019, 42.42% of statewide accident fatalities were not wearing seat belts. Even more disturbing, approximately 50% of drivers in fatal accidents had known blood alcohol concentrations (BAC) above the legal limit.

How Are the Road Infrastructure and Bridges in Austin?

The Austin Department of Public Works is responsible for maintaining roads. This includes simple repairs like filling potholes and placing signs. But more, it includes resurfacing worn-out roads, keeping through ways clear of overgrowth, maintaining bridges and guardrails, and repairing traffic lights and streetlights, among many other tasks that keep roads drivable.

The American Society of Civil Engineers periodically releases a report card for the overall infrastructure of America. Their 2021 report gave Texas an overall grade of C, a mediocre rating. Worse, Texas roads were graded a D+, poor rating. Bridges were graded a B-. The report states that Austin roads are experiencing an increase in traffic congestion due to the area’s growth.

Despite these ratings, the ASCE is sure to mention that they do not reflect the diligence of local agencies tasked with maintaining these vital infrastructures. Texas is the second-most populous state, and it should be expected that their roads and bridges will undergo a significant amount of use. These ratings are useful for these agencies to understand where their efforts need to go with the limited resources with which they have to work.

Minimum Car Insurance Requirements in Austin

In Austin, Texas, you will find the minimum auto liability requirements to be much higher when compared to other states. Drivers in Austin are required to have the following minimum limits:

  • $30,000 for each injured person
  • $60,000 for injuries per incident
  • $25,000 for property damage

Factors Allowed in Austin Car Insurance Rates

There are many standard components in determining an appropriate car insurance rate. Insurance providers in Austin, Texas, may base their calculations on the following factors.

  • Zip code
  • Age
  • Marital status
  • Education & occupation
  • Gender
  • Credit score
  • Driving record

Discounts for Car Insurance in Austin

Austin drivers can save money on their auto insurance if they take advantage of every possible discount available. Some examples of discounts include:

  • Anti-theft discount
  • Good driver discount
  • Student discount
  • Multi-car discount
  • Military discount
  • Multi-policy discount
  • Mature, retired, or senior discount

What Are the Penalties for Driving Without Insurance in Austin?

Because it is required for Austin drivers to have a minimum amount of insurance coverage, there are penalties if you are found driving and uninsured. Your first offense will require you to pay a fine of $175-$350. A second offense for an Austin driver will fetch a fine of $350-$1,000, possible suspension of your driver’s license, and possible impoundment of your car.

Get a Quote for Car Insurance in Austin Today!

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It’s more than just a legal requirement. Insurance is an inexpensive way to protect yourself from the tremendous risks of daily driving in Austin. Don’t let yourself be lassoed with extensive medical expenses and car repair bills that often result from collisions. Get started with a quote online, visit us at an Austin office near you, or call us at (800) 777-5620 for a quote.