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Best Cheap Auto Insurance in Austin 78746

Want cheaper auto insurance in Austin, Texas without sacrificing coverage and service? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and quality service all while helping you learn more about your city.

Austin — the capital of Texas — is known for Longhorn football, live music and food. The area was first home to Native American tribes, such as Tonkawas, Comanches and Lipan Apaches who camped and hunted there before the Spanish set up a temporary mission in the late 1700s. By the 1830s, Anglo-American settlers arrived and named the surrounding area Waterloo.

The town was chosen in 1839 to become the capital of the newly created Republic of Texas and as it grew, Waterloo was renamed after “the father of Texas,” Stephen F. Austin. By the 1880s, Austin had grown into a major city in Texas. Today, Austin is among the top 15 most populous city in the United States.

Austin’s slogan, “The Live Music Capital of the World” highlights the cities eccentricity and diversity. Austin hosts various concerts and music festivals and draws many types of musicians to the city. Additionally, Austin also hosts various film festivals, including SXSW Film Festival and the Austin Film Festival.

The University of Texas calls Austin home. The football stadium, Darrell K. Royal-Texas Memorial Stadium, is the second-largest sports stadium in Texas, seating more than 100,000 fans. Though Austin has no professional sports teams, they have minor league baseball, basketball and hockey teams.

Austin Driving Conditions

According to Texas Department of Transportation, Austin has the worst traffic in Texas. Interstate 35 — which runs near downtown between U.S. Route 290 and Texas State Highway 71 —w as listed as the most congested road in the state.

Austin has temperate weather with 300 days of sunshine a year. In the late summer and fall, Texas may be affected by hurricanes. During the winter months, Austin gets an occasional snow and/or ice storm, causing the roads to freeze over. Rainstorms in the spring and fall can produce hail.

Texas Driver’s Licence

As a legal resident of Texas, you’ll need to obtain a Texas driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are not required to take a knowledge or skills exam.

Seat Belt Laws

The Texas Click It or Ticket law requires all adult passengers in vehicles to wear a seat belt. Children younger than 8 must ride in a child-safety seat or booster seat unless they are 4 feet and 9 inches tall. A seat belt violation can result in fines ranging from $25 to $250, plus court costs.

Cell Phone & Texting Laws

Enacted in 2015, Austin adopted a hands-free ordinance that prohibits drivers from using any electronic hand-held devices, including cell phones.

Texas has no statewide law banning the use of cell phones in vehicles. However, various local municipalities prohibit or limit the use of cell phones while driving.

Currently, Texas has no law prohibiting texting while driving. However, various local municipalities have laws that prohibit or limit the use of texting.

Odd Laws

In Austin, it’s illegal to put one’s eye on the market with the intention of selling it.

If a horse and buggy is the preferred vehicle of choice, it cannot be driven through the town square.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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  • My family has been a client of Mr. Evins and State Farm for over 15 years and always get the best service when we contact his office. The staff is well-trained, friendly, and very responsive to our needs. The claims we filed were handled quickly and professionally. We refer all our friends to Mr. Evins!

  • We have had Larry Evins as our agent for 12 years and have always received great service from his office. Mr. Evins is a great agent and his staff is both friendly and knowledgeable. The claims we have had were handled quickly and we have always felt we were treated fairly. After hearing horror stories from other people about their insurance companies, we always refer them to Larry Evins and State Farm!

  • Kirk Ingels has been my insurance for many years. Kirk and his staff are very knowledge about insurance, are professional and very friendly and helpful. I can call them anytime with questions about my auto or home insurance and they are quick to respond. Kirk and his staff keeps us informed on the lastest insurance updates. What I really like about him and his staff is that they take time to listen to you about any concerns you may have. I would highly recommend the Kirk Ingels office as your State Farm Agent.

  • The previous insurance company that I was with had wonderful customer service, up until the agent I was working with left the company. So I began shopping around for prices, and remembered that several years ago I had spoken with Heather at Kirk's office. She had been wonderful, very helpful and prompt in her responses. So I decided to give her a call. Not only were their prices lower (for the same coverage), Heather was just as kind, helpful and promt as I remembered. Since switching over my insurance to her office (home, renters, and auto) I have also had the pleasure of working with Christie who has been equally helpful. I feel the staff at Kirk's office is willing and able to go above and beyond to take care of my needs; I have been nothing but happy with their service.