Car Insurance Quotes in Austin, TX

Austin TX Car Insurance

As the capital of Texas, Austin is well-known for impressive music and alternative culture. Whether you're a local resident, a student at the University of Texas at Austin, or a visitor, it's important to get covered with the right auto insurance policy. GEICO works hard to provide competitive car insurance rates and great service through the GEICO Mobile app, local GEICO insurance agents, online or by phone. Get your free Austin car insurance quote today.

Minimum Auto Insurance Requirements in Texas

Drivers in Austin and the entire Lone Star State are required to have the following minimum coverages as part of their car insurance policy:

  • Bodily injury liability: $30,000 per person and $60,000 per accident
  • Property damage liability: $25,000
  • Personal injury protection (PIP): $2,500 unless you reject this coverage
  • Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident unless you reject this coverage
  • Uninsured motorist property damage: $25,000 and a $250 deductible unless you reject this coverage

While these are the minimum coverages Texas requires you to have, everyone's insurance needs are different.

Driving in Austin

Downtown Austin is laid out in a grid pattern, with numbered streets running east and west. The numbers get higher as you drive north from the Colorado River. Some areas in Austin tend to flood during heavy rains, so sign up for flood alerts and be careful about low water crossing signs when you drive or park your car.

Daytime parking is typically plentiful, but the streets can get congested on weekends, especially near the University of Texas campus. Garage and metered parking rates vary, but read the parking signs to avoid overcharges and tickets. Certain areas, like the popular Sixth Street Entertainment District, offer hourly parking, 24 hours a day.

Transportation Options in Austin

The Capital Metro is Austin's regional transportation provider and connects people to jobs, schools, restaurants, shops, festivals, and other great places to hang out. The Capital Metro bus system serves a population of more than 1 million with an extensive network of bus stops and routes. Another option is the MetroRail Red Line, provides service from the City of Leander to downtown Austin. The CapMetro App allows riders to buy passes and plan their trips.

If you choose to walk around town, be aware of the heat waves in Austin. Fortunately, there are several taxi companies that operate at all hours of the day. You can even opt to take one of the hundreds of pedicabs in the downtown area.

Important Places in Austin

Whether you live in Austin or are just passing through, you won't want to pass up a tour at The Texas Capital, which serves as the seat of government of Texas and is a designated National Historic Landmark.

Austin is committed to its slogan—"Keep Austin Weird"—through live music, art and culture. If you're in town in mid-March, get a wristband for the world-famous South by Southwest® (SXSW®) Conference & Festivals. Throughout the year, you can watch live performances in venues all around the city. If you would like to experience the allure of Austin, visit the Sixth Street Entertainment District located between Congress Avenue and I-35.

Another vibrant neighborhood is South Congress district (SoCo) district, which is located south from the Colorado River. SoCo offers eclectic stores, music venues, restaurants and food trucks. If the heat gets to you, hop over to Barton Springs Pool or stroll through the Blanton Museum or Art at the University of Texas. The Blanton has the largest and most comprehensive collection of art in Central Texas.

Austin, Texas Local Insurance Agents

GEICO licensed agent representatives are available 24 hours a day, 7 days a week. You can contact us through the GEICO Mobile app, by speaking to 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. A licensed GEICO representative will always be available to assist you by phone, day or night.