Auto Insurance in Austin, TX
Compare, shop and customize quotes from top-rated insurance carriers.
Coverage That Travels With You
There is no shortage of places to go and things to see in Austin, TX, as the state capital is one of the most remarkable and unique cities in the entire state. Over the years, the population in Austin has climbed, thanks to the cultural diversity, live music venues, outstanding food and local community. As you travel through the city, whether visiting one of the many public parks or heading to the office, VIU by HUB provides the most comprehensive car insurance in Austin TX.
The busy streets of Austin can turn into a complex tangle of cars, trucks, pedestrians and more. Though local travelers are used to the congestion and traffic, you can’t always predict what the other drivers will do, especially when tourists are trying to find their way to Sixth Street or the Congress Avenue Bridge. For the best in automotive insurance, the agents at Hub are here to help.
Who Needs Car Insurance in Austin TX?
Texas law requires drives to carry proof of financial responsibility and security to cover the costs of any accident they are involved in. Most often, drivers will purchase auto insurance for this need. Without this proof of financial responsibility and liability insurance, a driver could face penalties that include fines, suspension of driving privileges and vehicle impoundment. There is also a minimum of coverage required for car insurance in Austin TX. Drivers must maintain:
- $25,000 for property damage in any single accident
- $60,000 for death or bodily injury for two or more people in any single accident
- $30,000 for bodily harm or death to one person in any single accident.
Our VIU by HUB agents are local members of the community and understand the legal requirements of car insurance. However, they also know that a minimum policy may not be in your best financial interest. Car accidents are unpredictable, and in the resulting expenses, it is better to have comprehensive insurance than too little.
What Are the Policy Options for Car Insurance in Austin TX?
When living in Austin, you want to spend your money at the eateries, the entertainment venues or the dozens of specialty and retail shops. You don’t want your hard-earned money going to pay for damages or medical bills that arise from a fender bender on State Highway 45. With an auto policy from VIU by HUB, you get the right coverage at a price you can afford, saving you from the financial risks of a car accident.
Even though Texas has outlined minimum coverage options, our VIU by HUB experts will evaluate whether or not these limits will be adequate for your potential risks. They will also discuss things like deductibles, worldwide liability coverage, towing and labor, glass coverage and uninsured or underinsured motorist coverage. Liability coverage will only repair the vehicle of the other party involved in the accident and address their medical bills, but if you only carry the Texas minimums, you are leaving yourself at risk for paying out of pocket if the other car is totaled or it is a multi-vehicle accident. Consider the following policy options:
- Collision coverage to repair (or potentially replace) your vehicle if an accident occurs
- Medical payments coverage that takes care of both the driver and any passengers medical bills
- Comprehensive coverage to step in if the car is damaged by flood, fire, vandalism or is stolen
- Underinsured coverage to go into effect if the at-fault party didn’t have any (or enough) insurance
- Towing and labor coverage to assist with the costs of towing charges or the labor for minor assistance
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Auto insurance in Texas by city
Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.
- Cedar Park
- College Station
- El Paso
- Flower Mound
- Fort Worth
- Grand Prairie
- New Braunfels
- North Richland Hills
- Round Rock
- San Angelo
- San Antonio
- San Marcos
- Sugar Land
- The Woodlands