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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 the best coverage options in the state’s capital so you can drive confidently while knowing you have the right protection at an affordable rate.
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.
Get a Quote
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:
- Safe driver discount: If you have a clean driving record, you may be eligible for a discount.
- Low-mileage discount: Commuting downtown or spending more time in Austin’s walkable areas? We offer discounts for drivers who put fewer miles on their vehicles.
- Good student discount: Students at the University of Texas and other local schools can take advantage of this discount by maintaining good grades.
- Eco-friendly discount: Own a hybrid or electric vehicle? Mercury rewards environmentally conscious drivers with lower rates.
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.
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.
Austin Car Insurance FAQs
How much is car insurance in Austin, TX?
According to Bankrate, the average cost of car insurance in Austin is around $2,270 per year for full coverage, and $670 per year for minimum coverage.
What city in Texas has the highest insurance rates?
According to Bankrate, Hutchins has the highest insurance rate, with an average annual premium of $2,763. Houston is a close second with an average annual premium of $2,762.
Do you need proof of insurance to buy a car in Austin?
Yes, you need proof of insurance to drive your new car off the lot in Texas. Mercury makes it easy to get coverage quickly, so you can get behind the wheel with confidence.
How to find the cheapest car insurance in Austin?
To find the cheapest car insurance, consider shopping around, bundling your policies, and taking advantage of Mercury’s discounts for safe driving, low mileage, and more. Mercury offers customized plans designed to suit your budget.
What products does Mercury offer in Austin?
Mercury offers several products to Austin residents, including:
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:
Car Registration 101: Everything You Need to Know Before You Hit the Road
Drive Smart: Essential Tips for Buying a Car, Auto Insurance and Saving Big
How to Protect Your Car From Sun Damage and Hot Weather
What are the Cheapest Cars to Insure?