Austin, TX Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Austin, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Austin, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Austin, TX Auto Insurance Rates
- Austin, TX Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Austin, TX
- Multi Vehicle Insurance Savings in Austin, TX
- How Credit Score Affects Car Insurance Rates in Austin, TX
- How DUI Affects Auto Insurance Premiums in Austin, TX
- Top Auto Insurance Agents Near Austin, TX
- How Driving Violations Affect Auto Insurance Rates in Austin, TX
- Austin, TX Auto Insurance Discounts on Anti Theft Feature
- Austin, TX Auto Insurance Company Reviews
Austin, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Austin, TX with that of other cities in and around Austin.
| Austin | Barton Creek | Lost Creek | Jollyville | Rollingwood | Travis County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,348 | $2,174 | $1,935 | $2,111 | $2,953 | $2,104 |
Austin, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Austin, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Austin | $2,181 | $1,842 |
| Rollingwood | $2,174 | $1,837 |
| West Lake Hills | $2,142 | $1,810 |
| Lost Creek | $1,993 | $1,683 |
| Travis County | $1,419 | $1,199 |
| Sunset Valley | $1,231 | $1,040 |
| Barton Creek | $2,266 | $1,914 |
| Jollyville | $2,174 | $1,837 |
Austin, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Austin, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,374 |
| 20 Years | $1,732 |
| 30 Years | $1,334 |
| 40 Years | $1,284 |
| 50 Years | $1,189 |
| 60 Years | $1,205 |
| 70 Years | $1,403 |
Austin, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Austin, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,346 | $350 |
| 3 Vehicles | $3,518 | $526 |
| 4 Vehicles | $4,691 | $701 |
Savings on 2 Vehicles bundle:$350
Savings on 3 Vehicles bundle:$526
Savings on 4 Vehicles bundle:$701
Austin, TX Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Austin, TX.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Austin | $1,348 | $2,099 |
| Rollingwood | $2,953 | $4,597 |
| West Lake Hills | $2,861 | $4,454 |
| Lost Creek | $1,935 | $3,012 |
| Travis County | $2,104 | $3,275 |
| Sunset Valley | $2,434 | $3,789 |
| Barton Creek | $2,174 | $3,384 |
| Jollyville | $2,111 | $3,286 |
Austin, TX Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,157 |
| Excellent (740-799) | $1,320 |
| Good (670-739) | $1,405 |
| Average (580-669) | $1,833 |
| Poor (300-579) | $2,199 |
Austin, TX Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Fleming & Conway Agency | Allstate | 3435 Greystone Dr Ste 107, Austin, 78731 | (512) 345-0005 |
| Robert Ndegwa | State Farm | 1200 W Howard Ln Ste F, Austin, 78753-9714 | 512-837-8818 |
| Blake Simpson | Allstate | 13010 N Highway 183 Ste 218, Austin, 78750 | (512) 219-7411 |
| Jesus Gonzalez | Farmers | 5307 W Highway 290 Ste 8, Austin, 78735 | (512) 402-6860 |
| Joe Pena Jr | State Farm | 520 E Oltorf St, Austin, 78704-5639 | 512-383-1271 |
| Karen Easterling | State Farm | 2711 W Anderson Ln Ste 201, Austin, 78757-1121 | 512-454-4784 |
| Mccall Hibler & Allen Inc | Liberty Mutual Independent | 4006 N LAMAR BLVD, AUSTIN, 78756 | (512) 476-5351 |
| Louis Chavarria | Farmers | 2609 Howard Ln Ste 102, Austin, 78728 | (512) 251-4401 |
| Michael Wayne Box | Travelers | 11824 JOLLYVILLE RD STE 303, AUSTIN, 78759 | 512-302-9239 |
| Corbett D Brown Agency | Nationwide | 7700 W Highway 71 Ste 130, Austin, 78735 | (512) 523-4002 |
Austin, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$59 | $1,407 |
| Driver's Failure In Showing Documents | +$131 | $1,479 |
| Driving With An Expired Registration | +$139 | $1,487 |
| Driving At A Considerably Slow Pace | +$293 | $1,641 |
| Using A Cellphone While Driving | +$309 | $1,657 |
| Running A Red Light | +$314 | $1,662 |
| Speeding | +$330 | $1,678 |
| Driving A Vehicle Without The Required Permission | +$419 | $1,767 |
| Driving With An Expired/Suspended License | +$909 | $2,257 |
Austin, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,294 |
| Active Disabling Device | $1,294 |
| Tracking Device | $1,267 |
| Passive Disabling Device | $1,254 |
Latest Auto Insurance Reviews in Austin, TX | Back to Top
GeicoI would recommend this insurance company if you are looking for low cost insurance but still get all the coverage you need and great customer service.
GeicoMy premium is so much lower with Geico than with other companies I have received quotes from. I have low deductibles and good coverage, what I was quoted from other companies in the area.
GeicoChecked into changing to progressive because they have those commercials saying that they are the lowest...not by far. I save over $100 a month with Geico for more coverage!!
Agi Insurance GroupMetLife Auto insurance offers some of the lowest premium and deductible in the industry, that is one of the main reasons, I am with MetLife insurance company.
Agi Insurance GroupMetLife Auto insurance offers some of the lowest premium and deductible in the industry, that is one of the main reasons, I am with MetLife insurance company.
GeicoOther insurance companies are more expensive compared to GEICOs options. From time to time I have tried comparing prices but I have not found any insurers who compares on options and price/value with GEICO.
UsaaUSAA and Erie are 2 of the most popular names in insurance but there are HUGE ... Both are widely-trusted companies, but which has the discounts, services, and customer ratings ... Other Products, USAA, Erie ... their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.
State FarmState Farm is so easy to get in touch with if you have an issue. They are open 24/7 and you can always reach someone.
ProgressiveI really liked the customer service of my auto insurance provider and also its wide range of coverage and leniency in some aspects.I also like how there is an option for family plans and individual plans.
AllstateI really enjoy their comprehensive coverage plans. I know that no matter what I am insured and my car will always be just fine, no matter who is driving it. The full coverage for anyone driving really makes a difference in easing worry.
MetlifeIt may be a little higher than other insurance companies but it is worth the price because it is quality and their service is great.
ProgressiveIt is good. It is very comparable. We shopped all over town with an insurance broker & that is the best price we could find.
State FarmWhenever I call my agent or their office, everyone there is very helpful, polite and kind. They never seem annoyed with questions or the calls. they always ask how the children are and how we are doing before discussing any other business.
Root Car InsuranceI love that they have very good customer service, they are very polite and answer all of your questions and they are very affordable.