Austin Car Insurance

Your Guide to Buying Car Insurance in Austin, TX

Find the right car insurance policy for you.

The right Austin, TX car insurance might not keep you from getting tangled in traffic on I-35 or the downtown loop, but it can cover damage and medical bills if you do get into a traffic accident.

You can find a local independent Trusted Choice® agent who can answer your questions about Austin car insurance, help you compare multiple auto insurance quotes, and provide you with service after you buy coverage. The right coverage can help you save money on premiums and out-of-pocket costs after an accident, so it pays to call a member agent to assist you.

Texas Car Insurance Costs:

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

Insurance premiums in Texas are a bit higher than the national average, but keep in mind that this is just an estimate of your actual costs. Insurance companies calculate quotes based on information unique to you, such as your age and the make, model and year of your car.

Texas Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, a $25,000 coverage for property damage

Austinites and all vehicle owners in the state must buy the minimum required car insurance coverage before they take to the roads. There are penalties for failure to carry the required coverage: first offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

Texas Uninsured Motorists:

  • National  uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

Despite legal requirements and fines, a higher percentage of Texans drive without the legally required insurance than the national average. A new program called Texas Sure strives to reduce the number of uninsured drivers on the road in Austin and other Texas cities.

The state uses these measures to catch liability insurance cheaters:

  • Law enforcement and government officials can access a computerized database of registered vehicles and insurance policies. Vehicle owners may, for example, get a letter if a registered vehicle is found without proper coverage.
  • Renewing registrations and getting safety inspection stickers requires proof of insurance.

Austin residents aren't legally required to buy uninsured motorist protection. However, some drivers may need to purchase this policy option to satisfy lender requirements, and others may choose to sign up for extra coverage.  Your agent may suggest this policy option to protect your vehicle from damage caused by an uninsured or hit-and-run driver. Uninsured motorists may still be pursued for damages by the private insurer that carries your policy.

Automobile Thefts in Texas:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

The risk of having a car stolen is higher in Texas than the US average. Some parts of Texas are particularly risky. The National Insurance Crime Bureau reports that the state is the 3rd most risky for auto thefts, though Austin was only the 139th most risky city for auto thefts on the list. Luckily, a comprehensive car insurance policy will protect you from this type of loss.

Find Austin Auto Insurance Quotes

In a city the size of Austin, vehicle owners have a lot of auto policy choices. Shopping around for the right company and policy can still be a tough job for an average consumer. You can find a member agent of the Trusted Choice network right in town. These local and independent agents can help you compare Austin car insurance companies and select the right type of coverage for your needs and budget.

Find a Trusted Choice network agent today. You may be able to get better auto coverage at a lower price when you have so many options to choose from.

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