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Get Cheap Car Insurance in Downtown Austin, Austin, TX
We monitor insurance prices, helping the average driver in Downtown Austin save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Downtown Austin
The chart below shows the cheapest car insurance company in Downtown Austin for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Downtown Austin Insurer | Monthly Cost |
|---|---|
| Clearcover | $47 |
| Mile Auto | $61 |
| Progressive | $63 |
| State Farm | $68 |
Savings for Every Kind of Downtown Austin Driver
Based on our extensive insurance data, we know the average Downtown Austin driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $372 per year by choosing the right vehicle insurance company. Some Downtown Austin residents are paying out over $1,810 extra every year for auto insurance in Downtown Austin. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Austin, Austin, TX Savings / Yr. |
|---|---|
$372 |
|
$852 |
|
$751 |
|
$861 |
|
$1,310 |
|
$495 |
|
$541 |
Downtown Austin Car Insurance vs. Austin
People living in Downtown Austin pay an average of 7.36% less than the typical driver in the state. The average driver in Downtown Austin can expect to pay about $1,078 per year, or $1,810 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Downtown Austin for most people.
Car Insurance Prices by Downtown Austin Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Austin?
The map shows insurance prices in and around Downtown Austin, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $251 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,927 to a low of $1,676. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Downtown Austin.Pick the Best Car Insurance Company for You in Downtown Austin
The best car insurance provider for most drivers in Downtown Austin
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $372 over the average Downtown Austin car insurance company.
The best car insurance provider for Downtown Austin drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $852 over the competition.
The best car insurance company for Downtown Austin drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $751 better than other car insurance companies.
The best auto insurance for Downtown Austin drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $861 less each year.
The least expensive car insurance company for new and young drivers in Downtown Austin
In Downtown Austin, State Farm costs young drivers $1,310 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Austin
State Farm gave the largest car insurance discounts to married couples, averaging $495 saved each year compared to an average Downtown Austin couple's premiums.
The cheapest car insurance in Downtown Austin for drivers with bad credit
The best Downtown Austin car insurance company for customer service
Nationwide was the best company for customer service in Downtown Austin according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Austin
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Downtown Austin driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Austin, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Downtown Austin
What Influences the Cost of Car Insurance in Downtown Austin?
On average, car insurance in Downtown Austin is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Austin is 27 minutes, which is a little less than average for a driver in the city.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Austin are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Downtown Austin has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Austin is $90 per month for minimum coverage and $151 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Clarksville: Insurance costs 2.49% less
- East Cesar Chavez: Insurance costs 4.75% more
- Central East Austin: Insurance costs 2.27% less
- University Of Texas: Insurance costs 8.40% less
- Bouldin: Insurance costs 2.82% less
- West University Austin: Insurance costs 5.03% less
- Zilker: Insurance costs 2.32% more
- South River City: Insurance costs 1.88% less
- Holly: Insurance costs 4.03% more
- Windsor Road: Insurance costs 2.87% less
Neighborhoods with Similar Populations
- Alamedan Valley: Insurance costs 9.01% less
- Ocean Beach: Insurance costs 9.28% more
- Moran Prairie: Insurance costs 21.88% less
- Morris Park: Insurance costs 75.30% more
- Mount Washington: Insurance costs 38.67% less
- Mt Pleasant: Insurance costs 24.20% less
- Neighbors Southwest: Insurance costs 8.18% less
- Nevin: Insurance costs 40.44% more
- North Beach: Insurance costs 40.11% more
- North Coconut Grove: Insurance costs 69.72% more