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CHEAPEST AUTO INSURANCE HAS THE MOST DISCOUNTS:
- Multi-Car Discount
- Good Driving Discount
- Automatic Payment Discount
- Pay Your Policy in Full Discount
- Multi-Driver Discount
- Defensive Driving Discount
- Homeowners Discount
- Non-Smoker Discount
- Previous Insurance Discount
- Married Discount
- And Many More
Get Affordable Car Insurance in Austin, Texas
In recent years, Texas' major cities have seen explosive population growth, and Austin is no exception. From 2016 to 2017 it gained an estimated 12,500 new residents.
One thing Austin is famous for (besides live music) is its traffic. Travis County drivers rack up more than 20 million vehicle miles per day. There are accident risks around every corner, and that's why every Austin driver needs car insurance. Let the expert agents at Cheapest Auto Insurance help you get a foolproof policy right now.
Why You Need Car Insurance
There are more than 800,000 registered vehicles in Austin. Still, an estimated 11 percent (roughly 89,000) don't have corresponding insurance.
If you have a wreck, car insurance can be there to help you pay for vehicle repairs, medical bills and the harm you might cause others. The City of Austin registered more than 15,000 vehicle crashes and 67 fatalities in 2018. Wrecks also caused economic losses of more than $38 billion statewide.
It's easy to see how much of a favor you will do for yourself by having a policy in place.
Texas Auto Insurance Requirements
Texas law requires all drivers to carry auto liability insurance with at least:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident (2 or more people injured)
- $25,000 property damage liability coverage per accident
The reason drivers need liability insurance is because this is the coverage that will help them pay for the damage they might cause to others if an accident is the policyholder's fault. Drivers can carry higher liability limits than the minimum, so speak to one of our agents about increasing your policy limits.
Keeping Your Insurance Rates Affordable In Austin
Austin is the fourth most populated city in Texas — right behind Houston, Dallas, and San Antonio — with roughly 964,251 people. Austin is the fastest growing city in all of Texas. It is becoming the tech capital of the southwest. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These two factors have a huge impact on pricing for Austin car insurance.
Below are a few ways you can combat the higher auto insurance rates in Austin.
- Set your monthly payments on EFT
- Sign up for paperless billing
- Take a defensive driving course
- Drive safe. The fewer claims you turn in, the more likely your safe driving discount will stay intact.
Cheapest Auto Insurance can help you find cheaper car insurance in Austin by going over all possible discounts. We can customize your policy for exactly what you need.
Expanding Your Coverage
Think of car insurance as a big cushion. You'll need a comfortable place to land in the event accidents occur. So, the more coverage you put into the cushion, the more protection you will have. Once you have your required liability insurance, you can add other coverage to your policy.
- Collision Insurance pays for damage your car sustains in a wreck.
- Comprehensive Coverage insures you for vehicle damage that is not related to a wreck. The coverage might apply to losses from theft, fire, weather and more.
- Personal Injury Protection (PIP coverage) pays the medical bills of you and your passengers.
- Uninsured/Underinsured Driver Protection covers you if another driver is at-fault in a wreck involving you. It applies when the other does not have the right liability coverage to pay you.
Insuring Drivers Of All Shapes And Sizes
All drivers need unique car insurance. After all, you want your policy to be the best fit for you. We offer non-owners insurance, motorcycle coverage, SR-22 options, high-risk coverage and more.
Car Insurance Frequently Asked Questions
How Much Does Car Insurance Cost Per Month In Texas?
ValuePenguin estimates that buying the minimum car insurance required by the State of Texas will cost you an average of $890 per year, while full coverage might cost you $2,590 per year. However, the statewide average is not the best measure of what you can expect to pay for your policy.
How Much Is Car Insurance In Austin?
Per ValuePenguin, Austin's citywide average premium is $964 per year. However, car insurance rates are based on hyper-local demographics, like your car's value, your driving record and even your location.
Just by living in a certain Austin neighborhood, your rates could be different from those of someone a couple of miles away. The average cost in New Braunfels is $908 per year, while Downtown residents might pay upwards of $1,000 per year, for example. Always update your policy as soon as you move.
Who Has The Best Car Insurance In Austin?
State Farm, Geico, and Progressive are some of the top auto insurance companies in Texas.
How Do I Fnd Cheap Car Insurance Quotes In Austin?
Here are a few ways you can find a cheap car insurance quote in Austin:
- Keep your auto insurance consecutive for at least six months.
- Sign up for EFT on your monthly payments.
- Have a good driving record.
- Having multiple cars on your policy for the multi-car discount.
- Pay your policy in full for six months up front.
What Are Some Insurance Companies In Austin That Offer SR-22 Insurance?
Many companies in Austin offer SR-22 insurance here are a few that specialize in it:
- Dairyland
- Progressive
- SafeAuto
Who Has The Cheapest SR-22 Insurance In Austin?
Dairyland, Progressive, and Save Money Car Insurance have affordable rates for drivers who need SR-22 insurance.
Who Has The Cheapest Full-Coverage Auto Insurance In Austin?
According to thezebra.com USAA, Geico, and State Farm have some of the best full coverage prices in the market. Of course, age, credit score, and driving record can have great impact on your monthly price with some of these auto insurance companies.
How Do I Find Cheap Car Insurance In Austin, Texas?
Here are a few ways to get the cheapest auto insurance in Austin:
- Have a good driving record
- Have a good credit score
- Sign up for an automatic draft on monthly payments
- Sign up for a paperless discount
- Pay your policy in full for 6 months upfront
Do Austin Auto Insurance Brokers Have The Cheapest Quotes?
In many cases an auto insurance brokers can provide a discounted price to a customer because they have access to numerous different auto insurance companies. This gives them a lot of niche programs that you may not be able to find at a captive insurance company.
Get Started Today
Cheapest Auto Insurance wants to be your neighborhood insurance partner in Austin. You can reach one of our agents via phone at (512) 473-2000 or get an instant online quote.
E-Sign Accepted Here
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
Note All rate data is generated as part of The Zebra's industry-leading annual insurance rate study.
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Testimonials:
Drew L.
August 27, 2018
"My Agent Was Able To Save Me Money And She Was Very Nice!"