Get Car Insurance Quotes in Austin TX

As cheap auto insurance becomes harder and harder to find, finding it can feel like a hassle. Drivers spend over $1,900 on car insurance in Austin, TX, every year on average, much more than the national average of $1,449 per year.
But the costs of auto insurance premiums can vary because there are so many different factors to consider. These variables range from statewide trends to personal factors you can control and everything in between.

 

In Austin, TX, you should receive adequate coverage for your car from a top-rated insurance company without having to pay outrageous premiums. The team at Freedom Insurance Group helps drivers in Texas find the best price for the right amount of coverage. Explore your options for cheap car insurance quotes and learn how to save without forgoing coverage.

How Much Is Car Insurance in Austin, Texas?

The average cost of car insurance in Austin, TX, will vary based on many factors. This includes things such as your age, what you drive, and more. Here’s a breakdown of the average costs Austinites can expect to pay for their monthly premiums:

Average Monthly Auto Insurance by Age

Age Range

Av. Premium

Under 18

$211

18-24

$92

25-34

$56

35-44

$51

45-54

$50

55-64

$48

65+

$46

Average Monthly Auto Insurance by Vehicle

Vehicle Age

Av. Monthly Premium

Less than 1 Year

$62

2-3 Years

$59

4-5 Years

$57

6-7 Years

$58

8-10 Years

$60

11-14 Years

$61

15 Years or older

$59

Average Monthly Auto Insurance by Carrier

Rank

Company

Av. Monthly Rate

1

Progressive

$98

2

Allstate

$103

3

Bristol West

$108

4

Travelers

$111

5

Kemper

$114

6

Safeco

$128

7

Infinity

$145

8

Gainsco

$169

9

Others

$172+

Average Monthly Auto Insurance by Housing Status

Housing Status

Av. Monthly Premium

Own

$53

Rent

$61

Live with parents

$102

Average Monthly Auto Insurance by Relationship Status

Relationship

Av. Monthly Premium

Single (never married)

$64

Married

$53

Divorced

$51

Widowed

$49

Average Monthly Auto Insurance by Driving Record

Infractions

Av. Monthly Premium

1 accident

$89

Multiple accidents

$92

1 Ticket

$71

Multiple tickets

$118

Is the Cost of Auto Insurance in Austin, TX on the Rise?

Yes, Austin drivers are facing several trends that are raising the cost of their vehicle insurance. From trends throughout Texas to local factors, there are a lot of variables elevating rates. Even personal factors come into play. To gain a better understanding, here are some of the top risk factors auto insurance companies in Austin, TX, are assessing when calculating your monthly premium:

Higher Population Density

Austin is the second-fastest growing city in the U.S., a fact that should come to a surprise to no one. There are many reasons to move to the capital of Texas and for better or worse, these trends show no sign of slowing down. The Lone Star State has an overall growth of urban areas at 84%, a bit higher than the national average of 80%, with Austin a prime example.

 

These trends don’t fare well for drivers looking to save money. This is because more people equate to an increased risk of car accidents and vandalism. It also increases the chance of suffering a loss due to grand theft auto, which Texans face 65,000 times each year.

 

The increased potential for a wreck or crime makes affordable car insurance in Austin, TX, harder to obtain.

Faster Speed Limits in Texas

Texas State Highway 130 is a great way to get around quickly and even bypass traffic in Austin, but it's also raising rates for drivers within the state. Furthermore, it’s home to the fastest speed limit in the nation (85 MPH) and contributes to why the Texas average of 75 MPH is also the highest. These elevated speed limits and the proximity to Austin means higher rates for your coverage.

Unfortunately, Uninsured Motorists Love Texas

The rate of motorists without liability insurance in Texas is higher than the national average, at 15%. Uninsured motorists pose a greater risk of causing accidents in Texas, making auto insurance more expensive.

Dreaded Austin Commutes

The average commute in Austin, TX, can take around 40 minutes, and anyone that routinely takes I-35 can attest, it can surely take longer. This is a much larger figure than the national average of 28 minutes, and sadly means you’ll be paying more for your car insurance premiums.

 

Being on the road for longer periods of time and surrounded by more traffic than normal regions means that you are at higher risk to suffer an automobile accident. This translates into greater risk for your auto insurance carrier and means that you’ll pay a higher premium as a result.

Natural Disasters in Austin, TX

Austin, Texas is in the heart of Flash Flood Alley, raising the rates of drivers in the area. As if this wasn’t enough, the Lone Star State is prone to a mix of natural disasters in every part of its territory. This includes hail, tornadoes, tropical storms, and more. These statewide trends also elevate premiums as they imply more risk for auto insurance companies.

Individual Factors

In addition to your age, the place where you live, your driving record, and what type of vehicle you own, all factor into how much auto insurance you'll pay. These factors will lead to a higher premium for insurance due to increased risk.

 

Auto insurance in Austin, TX, is determined not only due to these factors but how they are assessed. Each car insurance company has its own proprietary methods of assessing risks. This can cause drivers to find the same coverage at different prices.

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The Best Discounts for Cheap Auto Insurance in Austin, TX

Discounts can help you save on your car insurance. For drivers, there are several ways to reduce their auto insurance premiums. Although not all of these apply to everyone, there is something for nearly everyone. Drivers with a variety of needs can find discounts from several Austin, TX, car insurance companies. Save money on car insurance by learning more and finding the best discounts to fit your coverage.

Bundling Discount

Save more on your auto and home insurance by bundling them together. Discounts may also be available to households with more than one vehicle. Progressive Car Insurance customers in Austin, Texas, save 12% on bundled insurance and 5% on multi-policy discounts when combining policies.

 

  • Potential Savings: 1% – 17%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Billing Discounts

Online billing and automatic billing can lower drivers' bills. It is also more economical to pay your premium upfront since monthly premiums are more expensive. The Allstate car insurance company in Austin, Texas, offers these discounts.

 

  • Potential Savings: 2% – 25%
  • Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

New Customer Discount

Being a new customer can save you a lot of money on your auto insurance, and the sooner you switch, the more you'll save. As a result, it is imperative to compare auto insurance quotes as soon as possible. Drivers in Austin, TX can save 10% with Travelers Insurance, but other carriers may offer even greater discounts.

 

  • Potential Savings: 5% – 15%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

The likelihood that you will have an auto accident is statistically lower if you work in a certain profession. As a result of your job, you may qualify for discounts from your car insurance provider, and your premiums will likely be lower. The Lone Star State is known for occupational discounts offered by Safeco and Progressive.

 

  • Potential Savings: 10% – 20%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

A major advantage of staying insured is avoiding lapses in coverage and reducing the chance of getting into an accident without it. If you maintain your insurance policy without a gap for at least six months, you may qualify for discounts. Regularly maintained policies are offered discounts by companies like Progressive Car Insurance.

 

  • Potential Savings: 5% – 25%
  • Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

It is a great option for younger drivers to take advantage of the good student discount. With Progressive, you can get a 15% discount on your Austin, TX car insurance if you maintain a "B" average or higher. Your coverage may even be discounted by more with other carriers.

 

  • Potential Savings: 5% – 20%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

When students attend school more than 100 miles from their insured car, it is possible to save up to 35% on student auto insurance. A popular choice in the region is carrier Travelers Insurance, which offers this discount to customers in Austin, Texas.

 

  • Potential Savings: 7% – 35%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

Being a good driver means being a safe driver and this means less risk on the road. Drivers without insurance claims or moving violations within defined timeframes can receive cheaper premiums from their carriers. Different companies, including Safeco, provide a discounted rate even if you submit a claim or have a moving violation within certain parameters (5 years for Safeco).

 

  • Potential Savings: 10% – 30%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

Automobile insurers can analyze and track their customers' driving habits through technology such as mobile apps and smartphones. You can reduce your car insurance costs by driving less and taking safe driving precautions. The following programs are popular for drivers in Austin, Texas:

 

  • The telematics program from Allstate, “Drivewise”.
  • Drivers save up to 30% with Safeco’s “Righttrack” program.
  • “Snapshot” by Progressive ($145 in savings on average).
  • “Intellidrive” by Travelers Insurance.

 

 

  • Potential Savings: Up to 30%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Mature Driver Discount

Older drivers can receive discounts on car insurance rates in Austin, TX, if they are 55 or older. However, obtaining such savings from your auto insurance carrier may require you to complete a senior driving course.

 

  • Potential Savings: 1% – 15%
  • Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.
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How Long Can I Go Without Car Insurance Austin, TX?

Legally, you are not permitted to drive anywhere in the state of Texas without a valid auto insurance policy. Although there are many that hit the open road without coverage, they do so while putting themselves at risk for plenty of unseemly outcomes:

 

Financial Liability

Not having minimum coverage as a driver means that you could be paying fines from tickets and having your vehicle towed if stopped by police or after an accident. But this is the least of your financial risks.

 

Without insurance, you’ll be responsible for restoring losses after an accident to another party. Furthermore, failing to have insurance can open you up to legal action from another party as they seek damages for the loss you’ve caused.

 

This means that driving without insurance opens you up to legal expenses, medical bills, and the costs of restoring property damage. All while also facing fines from the government.

 

Logistical Issues

Having to pay fines is harsh enough, but Texas takes drivers maintaining their financial responsibility seriously. This means that not only can drivers face fines, but their vehicles can be impounded, as well as forced to face a suspended license.

 

The best course of action is to stay insured with a valid auto insurance policy. In Texas, this means maintaining at least liability coverage. Of course, drivers that remain with only the bare minimum can still suffer sizable financial losses as a result.

 

No matter what you drive, it’s always advised to take into consideration your personal risks and to enroll in enough coverage to offset any major losses you may incur.

What’s the Cheapest Car Insurance in Austin, TX?

Shopping for car insurance online is the quest to find the best coverage for the lowest price. There are plenty of carriers claiming to offer cheap car insurance, but how do you know if you’re getting the best deal?

 

Furthermore, you’re going to want to ensure that you’re getting the best car insurance for your needs. For example, gap insurance for drivers with newer vehicles, comprehensive insurance for drivers looking to cover more, and so on.

 

Cheap car insurance quotes do you no good if they don’t include the protection you actually need. Fortunately, Freedom Insurance Group only works with top-rated auto insurance companies for our clients.

 

We offer everything from liability coverage to classic car insurance and anything in-between. Explore your options for car insurance in Austin, TX, or ask an agent about your coverage needs today.

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There are plenty of companies claiming to have the best auto insurance in Austin. Texas, but the best for you will be the most coverage for the lowest cost. Assess your coverage needs, compare your rates, and select the lowest premium from a top-rated carrier for the best protection.

How Long Can I Go Without Car Insurance in Austin, TX?

Failing to have an SR-22 insurance form proving you are carrying liability coverage is never a good idea. If you are driving in the Lone Star State, you’re going to need to have coverage. Auto insurance in Austin, TX, is a part of the financial responsibility drivers are required to adhere to. Failing to do so can lead to fines, open you up to costly losses, and other potential headaches as a result.

Zip Codes in Austin, TX We Serve

78701

78702

78703

78704

78705

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78709

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78755

78756

 

If for some reason you don’t see your zip code, don’t worry. We’ve been helping drivers, find car insurance in Austin, TX, since 2005. No matter what your address is, we’ve got you covered!

How to Find Car Insurance in Austin, TX for Less

When looking for car insurance in Texas, you may feel overwhelmed by the number of companies available. The right coverage from a trusted carrier is available at the best price with Freedom Insurance Group. Our relationships with more than 25 top-rated car insurance carriers allow us to deliver the lowest rates possible for your coverage.

 

We work for you, not a single insurance brand, and are dedicated to finding you the best coverage for your needs. Use our online tool for free no obligation car insurance quotes or contact one of our agents today to save more on your coverage.

 

From car insurance in Austin, TX, to covering your home, boat, or more, our team is here to help. Shop insurance policies built with your needs in mind and save more from these affordable products:

 

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769

BUSINESS HOURS

M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed

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