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Search by Quote ID → Search by Date of BirthMercury Car Insurance in Austin
Living in Austin means enjoying the vibrant culture, lively music scene, and all the outdoor adventures Central Texas has to offer. But with all the excitement, it’s important to ensure you’re protected on the road.
Mercury is here to provide you with high-quality car insurance in Austin that fits your needs and budget. Plus, with our competitive rates and money-saving discounts—like safe driver, low mileage, and bundling discounts—you can drive confidently knowing you have the right protection at an affordable price.
Why Choose Mercury for Austin Car Insurance?
- Local knowledge and expertise: Our Austin agents understand the city’s driving conditions—from I-35 traffic to Hill Country roads—and are ready to provide expert guidance tailored to your needs.
- Affordable, quality coverage: Mercury is committed to offering low-cost Austin car insurance without sacrificing protection. Save even more with discounts like multi-car savings (up to 14%), paid-in-full discounts (up to 12%), and automatic payment discounts (3%).
- Exceptional customer service: With 24/7 claims support, Mercury ensures you get the help you need, whether it’s a quick question or assistance after an accident.
- Customized coverage: Your policy should fit your lifestyle. Mercury offers options like roadside assistance for long drives, rental car coverage while your vehicle is being repaired, and comprehensive protection against Austin’s unpredictable weather and theft risks.
What Car Insurance is Required in Austin, TX?
Texas law requires drivers to have a minimum level of auto insurance. This minimum is commonly known as 30/60/25 liability coverage, and it includes the following:
- Bodily injury liability: $30,000 per person and $60,000 per accident.
- Property damage liability: $25,000 for damage to another person’s property.
Bodily injury liability covers medical expenses and lost wages for other drivers and passengers if you’re at fault in an accident, while property damage liability pays for damage you cause to other people’s vehicles or property.
Optional Austin Car Insurance
While Texas requires a minimum level of car insurance, it’s a good idea to consider additional coverage options for peace of mind. Luckily, Mercury offers a variety of optional coverages to help you stay fully protected on the road in Austin.
- Collision protection: If you’re involved in an accident — whether it’s a fender bender on I-35 or a more serious incident — collision protection helps cover the cost of repairing or replacing your vehicle, regardless of who’s at fault.
- Comprehensive coverage: Austin’s unpredictable weather and the risk of car theft can cause damage beyond just accidents. Comprehensive coverage protects your vehicle from non-collision incidents like hailstorms, vandalism, or theft, ensuring you’re covered for a wide range of potential issues.
- Uninsured/underinsured motorist coverage: If you’re hit by someone without insurance or with insufficient coverage, this option will step in to cover your costs, from vehicle damage to medical bills.
- Medical payments coverage: This helps cover medical expenses for you and your passengers, no matter who was at fault.
- Personal injury protection (PIP): PIP goes beyond covering just medical bills. It also helps with lost wages, rehabilitation costs, and even necessary services like child care or housekeeping if you’re unable to manage them due to injuries from an accident.
What Does Austin Insurance Not Cover?
While auto insurance in Austin can provide great protection, there are certain situations it may not cover:
- Routine maintenance and wear and tear: Your auto insurance won’t cover normal vehicle maintenance, such as oil changes, brake replacements, or worn-out tires.
- Intentional damage: If your vehicle is damaged intentionally — whether by you or someone you authorize — your insurance policy won’t cover those costs. Insurance is designed to protect against accidents and unforeseen events, not intentional harm.
- Using your car for business: Standard auto insurance may not cover accidents or damage if you’re using your car for business purposes, such as making deliveries or driving for Uber or Lyft. For these situations, you may need business auto insurance or rideshare coverage.
- Personal belongings: If your personal items, such as a laptop, phone, or other valuables, are stolen from your vehicle or damaged in an accident, your auto insurance won’t cover the cost of replacing them. You’ll need homeowners or renters insurance for protection.
How to Get Car Insurance in Austin, Texas
Finding the best car insurance doesn’t have to be a hassle. Visit our Texas Insurance Agents page to find an agent near you. Compare quotes to find the right coverage that fits your needs and budget, and drive confidently through Austin knowing you’re getting the best deal with Mercury.
How to Get Cheap Car Insurance in Austin, TX
At Mercury, we believe quality car insurance shouldn’t break the bank. Here are a few ways to save money while getting great coverage in Austin:
Get Austin Discounts
Take a look at some of the discounts you can take advantage of:
- Multi-car discount: Save up to 14% when you insure multiple vehicles with Mercury.
- Multi-policy discount: Bundle your home and auto insurance and save up to 14%.
- Paid-in-full discount: Pay your premium upfront and get up to 12% off.
- Automatic payment discount: Set up automatic payments from your bank account and receive a 3% discount.
- Good student discount: Full-time students under 23 with a GPA of 3.0 or higher can save 10% on their policy.
- E-signature discount: Sign all your documents electronically and receive a 3% discount.
These are just a few of our auto insurance discounts. Contact a local insurance agent to learn more about how you can save even more.
Save with Bundling
Looking for more ways to save? You can bundle your auto insurance with other policies like homeowners or renters insurance and get a multi-policy discount. When you combine your coverage, you can enjoy additional savings while keeping all your insurance needs under one roof.
Top Rated Auto Insurance in Austin, TX
Mercury is committed to providing affordable, high-quality car insurance to drivers in Austin. With a reputation for exceptional customer service, competitive rates, and reliable coverage, it’s no surprise that so many Texans trust Mercury for their auto insurance needs.
Check out our customer reviews to learn more about what makes us a top-rated insurance provider in Austin.
Excellent company
from Mercury Customer
Little D in Waco
I have referred this company to several other people and they are now customers. Very good company all the way around!
I will definitely be adding other vehicles
from Mercury Customer
just3dayz in Granbury
I use it for my auto insurance and I was really surprised on how good of a price that I got saved me a lot of money from my old insurer. I will definitely be added a few more vehicles, my Harley, and looking into changing my homeowners over to it.
Better price w/ better coverage...couldn’t be more satisfied
from Mercury Customer
Gngr in Canyon Lake
Has been seamless and easy to setup.
Learn More About Car Insurance and Get Auto Tips
Curious about how car insurance works? Check out our latest blog posts for insights and tips:
When Does Car Insurance Go Down? A Guide to Lowering Your Rates
Why Reviewing Insurance Policies Annually Makes Sense and Saves You Money
How to Protect Your Vehicle from Hail Damage in Texas