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Why Pay More ?
Austin is a city full of fun and cool things to see! It's known for places like the Texas Capitol, a big, important building where important decisions are made. And there's Zilker Park, a big park with a river where you can play and have a great time. Austin also has a big, beautiful lake where you can go for a swim. It's a city where music is everywhere, and you can find many live music shows.
People in Austin love being active and outdoors. You can ride bikes along the Lady Bird Lake Trail or take a dip in Barton Springs Pool to cool off. And there is a big, fun festival called SXSW every year!
With so many people in Austin, many cars are on the roads. That's why having car insurance is really important. It helps keep you and your car safe.
Did you know nearly 95% of workers in Texas use a car, truck, or van to get to their jobs? Most people drive, so having the right reliable auto coverage in Austin is the smart choice. At Cinco Auto Insurance Insurance, we're here to make sure you have the best protection while you explore all the wonderful things Austin has to offer!
Quick Facts About the Auto Insurance in Austin:
- According to the U.S. Census Bureau, about 80% of Austin's population commutes to work by car.
- Austin is known for its traffic. It's one of the top cities in the U.S. for traffic congestion.
How much does Auto Insurance in Austin Cost?
We looked at many insurance companies in Austin and found that basic insurance usually costs about $104 monthly, which is $1,246 yearly. If you want better coverage, it's around $165 monthly, up to about $1,985 annually.
But remember, the cost of insurance can change in different Texas cities. Things like how many people live there, how many accidents happen, and the rules they have can make prices higher or lower.
Car Insurance in Austin Costs by Zip Code:
Your cost of vehicle insurance in Austin may vary depending on where you live. There may be more cars in some neighborhoods, which might increase the cost of insurance. Also, insurance prices may increase if there are more accidents or thefts in a certain location. Therefore, the cost of your auto insurance might vary depending on the precise zip code you belong to in Austin. Being aware of this can help in choosing good coverage options.
| Zip Code | Average Monthly Quote (Liability) |
| 78741 | $105 |
| 78753 | $76 |
| 78745 | $68 |
| 78744 | $85 |
| 78758 | $83 |
| 78748 | $78 |
| 78704 | $72 |
| 78729 | $96 |
| 78759 | $133 |
| 78728 | $109 |
| 78754 | $86 |
| 78727 | $102 |
| 78717 | $92 |
| 78724 | $90 |
| 78723 | $75 |
| 78747 | $69 |
| 78702 | $80 |
| 78726 | $104 |
| 78752 | $110 |
| 78750 | $91 |
Car Insurance Rates by Age in Austin:
Your age matters when it comes to insurance costs in Austin. If you're just starting to drive, it's pricier because there's a higher chance of accidents. But if you're older and have more experience, insurance is less expensive because there's less chance of accidents or traffic issues.
At CINCO Auto Insurance, we believe everyone should have insurance they can pay for, regardless of their situation. We have conversations with our customers to find a price that works for them. In Texas, here are the average monthly rates for different age groups:
Driving Conditions in Austin:
How many accidents happen in Austin every year?
In 2021, there were 12,433 accidents on the roads in Austin. According to a report from Allstate, Austin is considered one of the cities with a higher likelihood of accidents in America. They looked at data from 200 big cities, and Austin was ranked 159th, which isn't a very good rating for road safety.
How bad are the roads in Austin?
However, it's not entirely the fault of Austin's residents for these unsafe roads. Some of the most dangerous parts of highways in Texas are right here in Austin - this means drivers and people walking near the roads might be in danger if drivers aren't being extra careful and following all the safety rules. For these reasons, it is important to purchase reliable car insurance in Austin.
Minimum Car Insurance Requirements in Austin:
In Texas, you need to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25" plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident.
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in Austin:
The easiest way to save money is by opting for discounts. CINCO Auto Insurance offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. A few major discounts we provide to make our insurance the most Affordable auto insurance in Austin are listed below.
| Military discounts | Renewal Discounts | Continuous insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
| Occupational discounts | Paperless Billing | Vehicle Safety Ratings and Features |
| First Responders | Affiliation Discounts | Low Mileage Discounts |
| Mature, retired, or senior discount | User-Based | Telematics-Based |
Penalties for Traffic Violations/Offenses in Austin:
If you were driving around 10 miles per hour faster than the speed limit, the average fine in Texas is approximately $223. But if you were going even faster, say 15 miles per hour over the limit, it might be about $255. And if you were really zooming, like 20 miles per hour over, the fine could be around $291.
If it's your first time breaking this regulation, you might have to pay fines between $175 and $350. But if you do it again, the penalty could go up to between $350 and $1000. These are rough figures; the actual fine could be beyond this range as well. Remember, following speed limits is absolutely necessary to keep everyone safe on the roads.
Here is a list of some common traffic violations and the increase in insurance prices they bring.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in Austin:
Austin has several great places to visit, as the city hosts many amenities. You can check out libraries like the Central Library or the Public Library. There's also the Twin Oaks Branch and more. Plus, there are over 250 parks where you can relax and have fun outdoors.
If you need help with taxes, you can go to the Travis County Tax Offices. They have Southwest, Southeast, and Main locations. They're there to help you with property taxes.
Also, there are some places for the Department of Motor Vehicles (DMV), like the TxDMV Austin Regional Service Center and the Texas Department of Public Safety. You can go to these places to renew your driver's license, register your vehicle, or get special license plates. They're set up in nearby spots to make it easy for you.
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| Name | Address | Contact Number | Official Website |
| Texas Department of Motor Vehicles | 1001 E Parmer Ln Ste A Austin, TX 78753 | 1 512-719-6900 | Link |
| Texas Department of Public Safety - Driver License Office | Austin, TX 78660 | 1 512-486-2800 | Link |
| Texas Department of Public Safety | 6425 S IH-35 Ste 180 Austin, TX 78744 | 1 512-444-5241 | Link |
| Texas Department Of Public Safety | 1070 Westinghouse Rd Georgetown, TX 78626 | 1 512-930-2910 | Link |
Get a Quote for Car Insurance in Austin Right Away!
Taking on the role of a careful driver extends beyond just driving; it involves an ongoing dedication to your and your vehicle's safety. At CINCO Auto Insurance , we understand the importance of safeguarding your vehicle.
Let CINCO Auto Insurance Agency be your guiding be your guiding light toward a reliable car insurance policy. Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com .