Austin Auto Insurance Rates, Quotes, Agents & Reviews in TX

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.

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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 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

Geico
I 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.
Geico
My 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.
Geico
Checked 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 Group
MetLife 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 Group
MetLife 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.
Geico
Other 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.
Usaa
USAA 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 Farm
State 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.
Progressive
I 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.
Allstate
I 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.
Metlife
It may be a little higher than other insurance companies but it is worth the price because it is quality and their service is great.
Progressive
It is good. It is very comparable. We shopped all over town with an insurance broker & that is the best price we could find.
State Farm
Whenever 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 Insurance
I love that they have very good customer service, they are very polite and answer all of your questions and they are very affordable.