1. Automotive
  2. Car Insurance
  3. Austin Car Insurance

Best Car Insurance in Austin, TX

Author picture
Written by

Own a car in Texas? Then you’re required to buy auto insurance. At minimum, a policy protects you financially by paying for another driver’s car repairs and medical bills if you cause an accident. We put together a list of the best car insurance in Austin so you can start contacting companies for free, personalized quotes and get covered.

Why trust ConsumerAffairs?
  • Our recommendations are based on what reviewers say.
  • 4,243,139 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

Top 13 Austin Car Insurance Companies

  • Best Rated
  • Most Reviewed
  • Highest Rated
Austin skyline

Driving in Austin, TX

Car insurance in Austin is a necessity. Not only is it legally required in Texas, but the city also has a high frequency of accidents, hazardous weather conditions and an always-present possibility of theft or vandalism.

  • Crashes in Austin: Around 250,000 people were injured in car crashes in Texas in 2018, and more than 14,000 of these accidents resulted in a serious injury. There were also more than 15,000 vehicle accidents in Austin. If you are responsible for an accident, your liability insurance helps pay for another driver’s car repairs and medical bills, and collision coverage pays for your own car’s damage.
  • Road conditions in Austin: Certain weather hazards in Austin increase the risks of driving. Flooding is a concern year-round. Austin is also subject to threats from wildfires, hail, tornados and hurricanes. All of these factors make roads more dangerous and cause vehicle damage. That’s why many Austin vehicle owners purchase comprehensive car insurance policies that cover weather damage.
  • Vehicle theft in Austin: According to the Austin Police Department, there were 2,538 auto thefts in Austin in 2018 — a 22% increase from 2017. The most commonly stolen vehicles were Ford F-150s, Chevy Silverados, Toyota Camrys and Honda motorcycles. Consider purchasing comprehensive coverage as part of your policy so your car’s value is covered if it's stolen. Comprehensive coverage also pays for repairs after a break-in.

Average car insurance cost in Austin, TX

Auto insurance in Austin costs anywhere from $500 to more than $2,000 annually. One factor that affects the cost of premiums is the area where you live. Below is a table with example policy costs for a 30-year-old woman living in different Austin areas.

Austin areaComprehensiveLiabilityState Minimum
Austin - 78701$1,324$525$500
Bee Cave - 78738$1,310$516$493
Buda - 78610$1,317$500$476
Cedar Park - 78613$1,297$496$474
Pflugerville - 78660$1,367$546$520
Round Rock - 78664$1,304$509$487

According to the Texas Department of Insurance, other factors that affect the cost of auto insurance are:

  • Age: Men younger than 25 and women younger than 21 have the highest rates. Rates decrease as people reach middle age, then increase after age 70.
  • Driving record and claims history: Expect higher rates if you have been in multiple accidents or received tickets.
  • Where you keep your car: Generally, vehicle owners who live near downtown Austin pay more than those who live outside the city.
  • Type of car: Luxury cars are more expensive to insure, in part because they cost more to repair.
  • How you use the car: If you use your car for business or drive to and from work, you may pay higher rates.
  • Your credit score: Some companies take credit scores into account when determining auto insurance premiums.

What is the minimum car insurance coverage in Texas?

At minimum, if you own a car in Texas, you must carry liability coverage with at least the following limits:

  • $30,000 for injury to one person in an accident
  • $60,000 for all injuries in an accident
  • $25,000 for property damage for one accident

Many drivers purchase additional liability coverage and other types of car insurance.

Austin car insurance alternatives

If you can’t find an insurer willing to cover you, you can purchase basic coverage through the Texas Automobile Insurance Plan Association (TAIPA). You can get TAIPA coverage if two car insurance companies turn you down. Talk to an insurance agent if you are interested in TAIPA coverage.

Austin auto insurance FAQ

How do I find SR-22 insurance in Austin?
Certain drivers are required to file an SR-22, or Financial Responsibility Insurance Certificate, with the Texas Department of Public Safety. Most car insurance companies on our list issue SR-22 certificates.
Why is car insurance so expensive in Texas?
Texas’ population density, road traffic, high number of accidents, high speed limits and expensive vehicles are just some of the reasons the state’s car insurance premiums are among the most expensive in the U.S.
How can I get car insurance discounts in Austin?
Before you get a car insurance quote in Austin, ask what discounts you may be eligible for. Companies commonly provide auto insurance discounts if you:
  • Insure multiple cars
  • Bundle car insurance with other types of coverage, such as homeowners insurance
  • Have a good driving record with no claims
  • Pay an annual premium upfront
  • Have no lapse in coverage
  • Take a driving education course

Not sure how to choose?

Get buying tips about Car Insurance in Austin delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter!

    Austin car insurance company information

    Ai United Insurance

    Ai United Insurance is an independent agency that offers auto insurance, motorcycle insurance and SR-22 insurance. Submit a quote request form on its website for a free, no-obligation review of your current policy or call to get help finding coverage. Ai United Insurance has multiple locations in Austin.

    • Address: 2314 E. Seventh St., Ste. B, Austin, TX 78702; Multiple locations
    • Phone: (512) 482-0444
    • Hours: M - F: 9am - 7pm; Sat: 10am - 5pm
    • Website: getaiu.com
    A-MAX Auto Insurance Austin

    A-MAX Auto Insurance shops for prices and coverage options from more than 20 different insurance carriers. It offers cheap car insurance and motorcycle insurance and helps file SR-22s with the state. Speak with an agent over live chat on A-MAX’s website, call or stop by one of its locations in Austin.

    • Address: 1923 E. Seventh St., Ste. 190, Austin, TX 78702; Multiple locations
    • Phone: (800) 921-2629
    • Hours: M - F: 9am - 7pm; Sat: 10am - 5pm
    • Website: amaxinsurance.com
    EZ Insurance Agency Austin

    EZ Insurance Agency helps customers find the cheapest car insurance in Austin by comparing policies from more than 30 different companies. Customers can get discounts of up to 35%. The company also does same-day SR-22 filings. EZ Insurance Agency has five Austin locations.

    • Address: 4402 S. Congress Ave., Ste. 102, Austin, TX 78745; Multiple locations
    • Phone: (512) 444-4445
    • Hours: M - F: 9am - 6pm; Sat: 10am - 2pm
    • Website: ezinsuranceagency.com
    Remco Car Insurance Austin

    Remco Insurance has more than 30 years of experience in the insurance industry. The company helps clients find the right auto insurance coverage from top carriers. SR-22 assistance is available. Contact the company for a free, no-obligation, personalized quote. Remco Insurance has more than 10 locations in Austin.

    • Address: 2200 E. Seventh St., Austin, TX 78702; Multiple locations
    • Phone: (800) 282-2000
    • Hours: M - F: 9am - 7pm; Sat - Sun: 10am - 5pm
    • Website: remco.com/austin
    Direct Auto Insurance Austin

    Direct Auto Insurance offers affordable insurance for all drivers. The company has low monthly payments and multiple discounts. Agents can help with all types of coverages and SR-22 filings. Contact Direct Auto Insurance by phone or email. You can also stop by any of its locations in Austin.

    • Address: 1931 E. Oltorf St., Austin, TX 78741; Multiple locations
    • Phone: (512) 354-8978
    • Hours: M - F: 9:30am - 6pm; Sat: 10am - 4pm
    • Website: local.directauto.com/texas/austin
    Stanley Insurance Agency Austin

    Stanley Insurance Agency provides free insurance quotes from more than 30 companies for cars, motorcycles, commercial vehicles and motor homes. Customers can get a fast quote online or call either of two Austin locations. Stanley Insurance Agency has been in business in Austin since 1983.

    • Address: 512 W. Stassney Lane, Ste. 113, Austin, TX 78745; Multiple locations
    • Phone: (512) 445-5555
    • Hours: M - F: 9am - 7pm; Sat: 10am - 3pm
    • Website: keepingaustininsured.com
    CapCity Insurance Services

    CapCity Insurance Services’ independent agents compare rates from leading insurers and match clients with the right coverage, regardless of their driving history. Customers can make changes to their policy directly on the company website. Call or fill out a form online for a free car insurance quote.

    • Address: 4360 S. Congress Ave., Ste. 109, Austin, TX 78745
    • Phone: (512) 222-8805
    • Hours: M - F: 9am - 6pm; Sat: 9am - 2pm
    • Website: capcityaustin.com
    All Save Auto Insurance

    All Save Auto Insurance is an independent insurance agency that guarantees the best customer service and pricing in Austin. It offers liability-only and full-coverage policies with immediate coverage. Clients can manage their policies and make payments online. Go to All Save Auto Insurance’s website to use its fast online quote system.

    • Address: 11800 N. Lamar Blvd., Ste. 5-1, Austin, TX 78753
    • Phone: (512) 835-2097
    • Hours: Call for hours
    • Website: allsaveautoinsurance.com
    Watkins Insurance Group

    Watkins Insurance Group is an independent insurance agency based in Austin with 14,000 customers throughout Texas. It provides clients of all budgets with car insurance quotes, 24/7 customer service, personalized web portals and direct access to an insurance advisor.

    • Address: 3834 Spicewood Springs Road, Ste. 100, Austin, TX 78759
    • Phone: (512) 452-8877
    • Hours: M - F: 8am - 5pm
    • Website: watkinsinsurancegroup.com/specialties/personal-insurance/auto

    Want your company to be on this guide?

    Yes, continue