Austin Car Insurance (TX)

Austin, Texas is home to more than 690,000 people. If you are looking to make Austin your home, or you already live in Austin, you will find car insurance premiums averaging around $2,490.

Car Insurance Requirements in Austin, Texas

The state of Texas uses the Tort System for car insurance. This requires that there is a person at fault for each accident. Once the fault is determined, that person is then responsible for all damages that are the result of the accident. There are minimum requirements for auto insurance policies within the state of Texas, and they include 20/40/15 coverage, which means a minimum amount of $20,000 for every person and $40,000 for Bodily Injury Liability coverage, as well as $15,000 worth of coverage for Property Damage Liability.

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Ways to Save on Your Austin Car Insurance

Car insurance rates in Austin depend on a lot of things, including the high rate of accidents in the city. Statistics show that people are 31.3% likely to be in an accident within Austin and the immediate metropolitan area which is reflected in higher than average insurance premiums for individuals living in Austin. A large number of the accidents involve fatalities- in 2004, there were 54 car accidents with fatalities and 156 people involved in the accidents.

It is well worth your time to shop around for lower car insurance rates, since typical Austin rates are above the national average. Taking a driver's education course will save 10% on your premium over three years, getting your car insurance where you get your homeowners and/or life insurance will often get you discounted rates for multiple policies, and choosing a car that is considered safe will result in lower auto insurance premiums.

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