Back to top


Austin Car Insurance

The capital of Texas, Austin is the state's fourth most populous city and the 11th most populous in the United States. Located in Central Texas as part of the greater Texas Hill Country, Austin is also known as "The Live Music Capital of the World." Known for being home to one of the world's largest music festivals, it also has a focus on technology and business. The city has long, hot summers and short, mild winters. Interstate 35 runs north to south, connecting Austin to Waco and San Antonio.

When it comes to auto insurance, every state has different requirements. For drivers in Austin, you can see what coverage and coverage limits Texas requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

An Austin Allstate agent can help you understand the different insurance types available to you.

GET A QUICK, PERSONALIZED CAR INSURANCE QUOTE.

When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

Get a quote

Austin Car Insurance Requirements

Auto liability insurance is a type of car insurance coverage that's required by law in Texas, so Austin drivers must have it.

More specifically, the following liability coverages are the minimum required in Austin:

  • $30,000 bodily injury liability limit per person
  • $60,000 bodily injury liability limit per accident
  • $25,000 property damage liability

Collision1, comprehensive1 and uninsured/underinsured motorist1 coverage are not required for Austin drivers.

All coverages are subject to the coverage limits stated in your policy.

1Although Texas law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Austin Auto Insurance Discounts

It's possible to get quality coverage in Austin at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Austin drivers can find many ways to save with Allstate.

Multiple Policy Discount

Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.

New Car Discount

You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.

Teen Driver Discounts

Teens deserve car insurance that's both great on the road and easy on your budget. Just because they may be new drivers, doesn't mean you can't enjoy quality coverage at an affordable price. You can save if your Austin teen driver meets these requirements:

  • Is a single, full-time student under the age of 25 and getting good grades
  • Attends school at least 100 miles away from where the car is garaged

Learn more about these discounts and other car insurance discounts that may be available by contacting your local Austin agent today.

Proof of Insurance in Austin

If you are stopped by the police and asked to show your auto insurance card, drivers in Austin can show an electronic insurance card. Most states, including Texas, permit drivers to show an electronic proof of their insurance card on a mobile device during a traffic stop.

Related Resources

Coverages, features, and discounts subject to terms, conditions, and availability which may vary by state. Policy issuance subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2021 Allstate Insurance Company, Northbrook, IL.
ECC Monitor: OK