Who Has the Cheapest Austin Auto Insurance Rates for Infrequent Drivers?

You’ve seen the ads from insurers like The General, Liberty Mutual, and Nationwide that make promises of the cheapest price, so you just need to choose one randomly, right?

It’s not that easy, however, as there are a whole slew of unknown aspects like your gender, if you have a tendency to get into accidents, and the safety ratings of your vehicle. This article will discuss these topics and should give you a jump start in finding the best auto insurance in Texas.

Determining which companies quote the cheapest insurance rates for infrequent drivers will involve a little more effort in order to find a policy that fits your budget.

Every insurance provider has their own formula for determining rates in each state, so we will examine the most budget-friendly insurance companies in Texas. It’s a good idea to be aware that Austin, TX insurance rates are impacted by many things that can increase the price you have to pay. Simply improving your credit, moving to a new city, or getting a DUI may generate price changes that may make certain companies more affordable than competitors.

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What’s the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,256
5 Esurance $1,365
6 California Casualty $1,424
7 State Farm $1,465
8 Mercury $1,506
9 Nationwide $1,585
10 Safe Auto $1,597
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,775
14 Home State $2,134
15 GEICO $2,156
16 Encompass $2,232
17 MetLife $2,249
18 Unitrin $2,333
19 21st Century $2,396
20 Titan $2,646
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Travelers has some of the cheapest car insurance rates in Austin at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the more affordable Austin, TX insurance companies.

In this example, if you are currently insured with Germania Mutual and switched to Travelers, you might achieve a yearly price reduction of roughly $204. Insureds with Esurance might save as much as $313 a year, and California Casualty insureds might lower prices by $372 a year.

If you want to see how much you could save, click here to start your custom quote or feel free to get quotes from the companies below.

It’s important to note that these estimates are averaged for all ages of drivers and types of vehicles and and are not figured with a specific zip code for infrequent drivers. So the car insurance company that fits you best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get car insurance quotes using your own specific driver and vehicle information.

For low mileage drivers, one of the more important factors that are looked at to determine the amount you pay for auto insurance is the neighborhood you call home. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from lower coverage costs.

The illustration below ranks the most expensive areas in Texas for infrequent drivers to purchase a policy in. Austin makes the list at #19 having an annual price of $1,610 for car insurance, which is around $134 per month.

Car insurance prices in Austin
Rank City Annual Rate
1 McAllen $1,996
2 Dallas $1,893
3 Laredo $1,889
4 Amarillo $1,858
5 Houston $1,853
6 Brownsville $1,851
7 Garland $1,796
8 Grand Prairie $1,793
9 Pasadena $1,758
10 Mesquite $1,753
11 Beaumont $1,720
12 Irving $1,719
13 Lubbock $1,716
14 San Antonio $1,671
15 Fort Worth $1,653
16 Arlington $1,642
17 Corpus Christi $1,636
18 El Paso $1,616
19 Austin $1,610
20 Plano $1,608
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Price information shown is comparative as zip code location can change premium rates noticeably.

The make and model of vehicle to be insured is a large consideration in finding the cheapest auto insurance for infrequent drivers. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The next list features car insurance rates for a selection of the most economical vehicles to insure in Texas.

Cheapest Vehicles to Insure in Austin, TX
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 4WD $988
Chevrolet Silverado LS Regular Cab 4WD $1,061
Toyota Prius $1,070
Ford Edge SEL AWD $1,122
Toyota Tacoma 2WD $1,128
Honda CR-V EX-L 4WD $1,131
Jeep Grand Cherokee Laredo 4WD $1,142
Dodge Grand Caravan Crew $1,164
Ford F-150 XLT Crew Cab 4WD $1,169
Honda Accord LX-P 4-Dr Sedan $1,184
Chevrolet Impala LTZ $1,200
Honda Odyssey EX-L W/Navigation $1,209
Chevrolet Equinox LTZ AWD $1,222
GMC Sierra SLE Regular Cab 4WD $1,229
Jeep Wrangler Sport 4WD 2-Dr $1,224
Nissan Rogue SL 2WD $1,230
GMC Sierra 3500HD SLE Extended Cab 2WD $1,244
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in your specific Austin, TX location which can impact prices greatly.

By looking at the data, you can infer that vehicles like the Ford Escape, Chevrolet Silverado, Toyota Prius, Ford Edge, and Toyota Tacoma are going to be a few of the cheapest vehicles to insure for low mileage drivers.

How to get discounts on Austin car insurance rates

Save on insurance for low mileage drivers in AustinInsurers that sell policies for infrequent drivers may additionally offer price discounts that can lower rates by as much as 35% if you qualify. Companies and their possible discounts are outlined below.

The information below illustrates the comparison of annual premium costs with and without policy discounts. The premiums assume a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, marriage, safe-driver, defensive driving course, accident-free, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for infrequent drivers is 28% or $524.

The information below highlights how deductible choice can raise or lower insurance costs when researching cheap insurance for infrequent drivers. The premiums are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

The data above shows that a 40-year-old driver could lower rates by $352 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $528 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, could drop their prices up to $870 or more by selecting a higher deductible. If you do decide to increase your deductibles, it will be necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Violations and accidents raise rates

A great way to score cheap insurance rates for low mileage drivers is to be a cautious driver and not get tickets or have accidents. The chart below shows how violations and at-fault collisions increase insurance rates for different age groups. The prices are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.

In the example above, the average cost of an auto insurance policy in Austin per year with a clean driving record and no accidents is $1,358. Get two speeding tickets and the average cost rises to $1,864, an increase of $506 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of insurance for infrequent drivers increases to an average of $3,976. That’s an increase of $2,618, or $218 per month, just for not being more responsible behind the wheel!

The agents below are a good start to help you make a decision which coverage fits your budget, since many consumers aren’t sure which coverage to buy and prefer to have some professional guidance when trying to find lower insurance rates for infrequent drivers. It can be challenging to do it yourself, and a licensed agent can bring peace of mind knowing your coverage gives you adequate protection in the event of a claim.

To find an Austin insurance agency in your neighborhood, click the button link following the list.

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