Cheap Car Insurance Austin, TX

Looking for cheap auto insurance in Austin, TX? With Agencia de Seguros de Accesso, LLC (A Abana), we can help you find auto insurance that fits your needs and budget. Whether you’re a new driver, moving to Texas, looking for commercial auto insurance, or need an SR-22, our agents can assist you with your insurance journey.

We specialize in helping residents access affordable car insurance for Austin drivers, so you can locate insurance rates that can work for you!

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Why Austin car insurance quotes vary

Every Austin driver’s rate may be different than the next. To get your quote, you typically will need to input:

• Driver info and license status
• Vehicle make and model
• Your Austin ZIP

With A Abana, you can get same-day proof of coverage, with agents that you can communicate with in English or in Spanish.

Factors that affect car insurance rates in Austin

Your premium is typically determined by a combination of factors, which may include:

• ZIP code
• Age
• Driving history
• Vehicle type and safety features
• Coverage level
• Prior insurance or lapse in coverage

How much does car insurance cost in Austin, TX?

Car insurance quotes in Austin may range from driver to driver. Here’s a brief breakdown on how much car insurance may cost in the city:

How pricing works

• Minimum vs. full coverage: If you opt for a full coverage auto insurance policy over the state mandated minimum, your insurance rate will typically be pricier.
• Deductibles: Choosing higher deductibles may mean lower monthly costs on your auto insurance.
• Payment plans: Paying your premium in full may grant you a discount.
• Discounts: Our carriers can offer discounts for maintaining a safe driving history, bundling multiple vehicles on one policy, and taking a defensive driving course.
• Telematics: Asking about usage-based discounts may help you lower your premium.

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What is the minimum car insurance coverage required in Austin, Texas?

Most states require drivers to purchase a level of auto insurance to legally operate a vehicle. Texas requires all drivers to carry liability insurance. These limits are as follows:

• $30,000 for injury per person
• $60,000 total per accident
• $25,000 for property damage

Purchasing minimum coverage may meet state requirements, but it may only help cover damage you cause to someone else’s vehicle after an accident. If you’re looking for a policy that can help pay for damages to your own vehicle, you may want a full coverage auto insurance policy.

Full coverage typically means the combination of liability, comprehensive, and collision coverage, which can help pay for specific damages to your vehicle after a covered accident.

Collision vs. comprehensive in Austin

So, what is the difference between collision and comprehensive coverage? Here’s how they differ:

• Collision coverage: This can help pay for damage to your vehicle after an accident, regardless of who’s at fault.
• Comprehensive coverage: This can help pay for damage to your vehicle from non-collision incidents like theft, hail, vandalism, or falling objects.

Austin drivers may have to deal with severe weather, tight street parking, and busy highways, which may make having both coverages crucial to you. Talk to an A Abana agent about helping you customize a policy that works for your situation.

Uninsured/Underinsured Motorist coverage (UM/UIM)

Unfortunately, you may be driving around Austin and have an accident with a driver who has little or no insurance. This is why uninsured/underinsured motorist coverage (UM/UIM) may come in handy. This type of insurance can help pay for your injuries and vehicle damage if you’re hit by an at-fault uninsured driver. You may want to match your UM/UIM limits with your liability limits when adding this coverage to your policy.

Need an SR-22? We can help you file it today!

If you need to reinstate your license after a suspension or DUI, you may be ordered by a court to file for an SR-22. Our agents can assist you with obtaining SR-22 insurance in Austin TX, including non-owner SR-22 if you don’t own a car.

We can help you file electronically with the state, often the same day you buy your policy. Just remember, your filing may not be active until your policy is issued and paid.

Nearby Austin areas we serve

If you don’t live in Austin, we proudly can help drivers in cities and towns nearby, including:

• Round Rock
• Pflugerville
• Cedar Park
• Georgetown
• Kyle
• San Marcos
• Buda
• Leander

Head to our website to see all of our Texas locations!

FAQs

What are the Texas minimums in Austin?

30/60/25 is the state required minimum limits for liability insurance.

How much does car insurance cost in Austin?

It can vary from driver to driver. If you’re looking for cheap car insurance in Austin, TX, A Abana can compare quotes from 20+ carriers to help you find a rate that works for you.

How fast can I get proof or an SR-22?

You may be able to get proof of insurance or an SR-22 the same day you file.

Do you accept foreign or temporary licenses?

Yes. We work with carriers that can accept international and temporary Texas licenses.

Ready to get covered today?

Looking to update your insurance? Searching for cheap car insurance in Austin, TX but don’t know where to start? A Abana can help you find car insurance coverage that aligns with your needs. You can stop by one of our local offices, call us at 1-214-764-8868, or head to our website for a free personalized quote. Our experienced, Spanish-bilingual agents can assist you with locating a low down payment policy that works for your budget!

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Disclaimer:

This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.