Austin drivers need reliable car insurance to stay protected on Texas roads. Whether you live in Austin, commute daily, or attend the University of Texas, GEICO offers affordable auto insurance Austin residents can count on. Compare car insurance coverage options, get competitive rates, and manage your policy easily through the GEICO Mobile app, local agents, online, or by phone. Get your free Austin car insurance quote today.
Texas law requires Austin drivers to carry the following minimum car insurance coverages*:
| Coverage Type | Coverage Limit Details |
|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident |
| Property Damage Liability | $25,000 |
| Personal Injury Protection (PIP)* | $2,500 |
| Uninsured Motorist Bodily Injury* | $30,000 per person / $60,000 per accident |
| Uninsured Motorist Property Damage* | $25,000 with a $250 deductible |
While these are the minimum car insurance coverages Texas requires you to have, everyone's insurance needs are different.
* Please note that personal injury protection and uninsured motorist coverages may be rejected in writing.
While liability coverage is required by Texas law and serves as a solid foundation for a car insurance policy, many Austin drivers choose to secure more well-rounded protection. GEICO offers a variety of optional add-ons so drivers can include everything they need to feel adequately protected while owning a vehicle, such as:
Beyond these more common add-ons, GEICO also offers specialty coverage—including rental reimbursement to help cover car rental costs, Emergency Roadside Service for towing and roadside assistance, and Mechanical Breakdown Insurance for certain vehicle repair expenses.
GEICO offers Austin drivers many car insurance discounts to help them secure the coverage they need at an affordable price, including:
Insurers evaluate a wide range of variables to determine your car insurance premium, and the impact of each can vary by location and risk profile. Some of these rating factors may fall outside your immediate control, while others can be improved over time to help lower your costs.
Key considerations often include:
Car insurance rates in Austin, Texas, are influenced by many factors outside of a driver's personal characteristics, such as the city's rapid population growth and high traffic density. Rates are also influenced by Austin's frequent severe weather events, such as hailstorms and flooding, because they can lead to more claims.
GEICO offers convenient online and mobile self-service tools through GEICO.com and the GEICO Mobile app. You can also contact us by speaking with one of GEICO’s local Austin, TX insurance agents, online, or by phone. GEICO can help you save and enjoy all the benefits of being a policyholder. You may also visit our Texas car insurance page to get more information on auto insurance laws, teen driving laws, and the Texas Good Student Discount.