D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Mar 23, 2020

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Austin OverviewFacts to Know
Population (2016)947,897
Density3,769 people per square mile
Average Cost of Car Insurance$5,737.03 (annually)
Cheapest Car Insurance CompanyUSAA
Road ConditionFair
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Austin’s slogan is “Keep Austin Weird,” but it has nothing to do with the city being strange at all. It’s about keeping the city’s integrity intact, keeping its small businesses alive, and sustaining the city’s unique culture. And Austin’s culture is incredibly unique: the city’s population is made up of a diverse collection of government employees, college students, musicians, high-tech workers, and blue collar workers.

Because Austin has all these great qualities, wouldn’t it make sense that you should have a great car insurance provider to match the level of excellence of the city you live in? And look, we get it: car insurance isn’t the easiest subject to investigate. However, it’s necessary if you’re a driver.

But just because it’s a difficult subject to understand at times doesn’t mean you shouldn’t get some help when you’re figuring out which car insurance is best for you.

That’s why we’re going to help you understand car insurance in Austin, as well as the other factors that have an impact on your car insurance. In this article, we’ll cover the cost of car insurance in Austin, how gender impacts car insurance in Austin, facts about public transportation, and so much more. If you need to compare Austin’s car insurance rates to car insurance rates in Texas as whole, we’ve also got you covered.

To kick off your search for car insurance in your area, enter your ZIP code in the box above.

Table of Contents

Car Insurance Rates in Austin

Spending hours researching which insurance company is the best for your budget is time-consuming and difficult, right? And this is a shame because cost is one of the most important aspects of car insurance for many people. Imagine if all the information you needed about the cost of car insurance in Austin was all in one place.

Well, you’re in luck — we’ve compiled information about all the various factors that car insurance companies in Austin use to determine the cost of your insurance in one place. With this section, we’re going to make it easier for you to see what exactly affects your insurance rates and give you information so you can see how parts of your life affect how much you pay for insurance.

In this section, we’ll take a look how gender, age, ZIP codes, and commute rates affect your ZIP code as well as what companies provide the cheapest car insurance and what companies are regarded as the best insurance companies in Austin.

Does gender and age affect my car insurance in Austin?

As you may know, age is a massive factor for car insurance companies when they determine how much you’re going to pay for car insurance. So, we’ll let you know about some important facts about age in this section.

The median age in Austin is 33.6, so it’s relatively young. That’s great, you may say, but how much do I pay if I’m that old? And how much do I pay if I’m a different age? Well, here’s a table that can help answer those questions.

AgeAverage Rates by Age in Austin, TX
60-year-old$2,348.08
35-year-old$2,473.46
25-year-old$3,078.76
17-year-old$7,600.90
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As you can see, if you’re near Austin’s median age, you’ll pay $2,473.46 (the average rate of 35-year-olds). It’s also worth noting that the most expensive age to insure are 17-year-olds, as they pay an average rate of $7,600.90. This makes sense, considering the fact that 17-year-olds have just gotten their license and are a higher risk in the eyes of an insurance company.

On the other end of the spectrum, the cheapest age for car insurance in Austin is 60, and 60-year-olds pay $2,348.08 for insurance.

In addition to age, gender is also a major factor for car insurance companies when they determine what someone’s rate is. While some states have banned using gender as a factor to determine car insurance, it’s still legal in Texas, so it’s still legal in Austin.

Here is a small table to quickly show you the difference between what males pay and what females pay in Texas.

GenderAverage Rate by Gender in Austin, TX
Male$3,875.30
Female$3,664.25
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According to the table, you can see that, on average, males pay more for insurance than females, as males pay $3,875.30 for insurance while females pay $3,664.25.

In addition to age and gender, insurance companies also consider whether you are married or not when they determine how much you should pay for insurance. Let’s take an in-depth look at this information below.

Marital Status, Age, and GenderAverage Rate by Marital Status, Age, and Gender in Austin, TX
Married 60-year-old female$2,286.36
Married 60-year-old male$2,409.80
Married 35-year-old female$2,438.33
Married 35-year-old male$2,508.58
Single 25-year-old female$2,992.22
Single 25-year-old male$3,165.31
Single 17-year-old female$6,940.09
Single 17-year-old male$8,261.71
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Based on this data, we can see that single, 17-year-old males in Austin pay the most for car insurance (and by a lot, too), as they pay $8,261.71. The demographic that pays the least amount for insurance are married 60-year-old females, and they pay an average of $2,286.36.

Insurance companies likely charge less for married people because they view being married as a sign of stability; thus, in their eyes, a person who is married is a lower risk than someone who is not.

What are the cheapest ZIP codes in Austin?

Where you live in Austin also has a major impact on your insurance, too. We’ve listed the cost of insurance by each ZIP code in a table below.

ZIP CodeAverage Rate by Zip Codes in Austin, TX
78653$5,927.06
78701$5,631.23
78702$5,686.93
78703$5,528.13
78704$5,520.17
78705$5,630.93
78710$7,029.64
78712$6,259.11
78717$5,274.30
78719$5,999.00
78721$5,930.46
78722$5,697.56
78723$5,851.27
78724$6,087.12
78725$6,085.49
78726$5,779.22
78727$5,358.64
78728$5,248.29
78729$5,417.72
78730$5,475.65
78731$5,564.15
78732$5,469.55
78733$5,685.70
78734$5,460.57
78735$5,573.92
78736$5,735.27
78737$5,561.82
78738$5,511.16
78739$5,399.53
78741$6,208.76
78742$5,837.60
78744$6,115.49
78745$5,552.52
78746$5,715.30
78747$5,856.66
78748$5,669.34
78749$5,465.81
78750$5,567.19
78751$5,708.31
78752$5,797.42
78753$5,932.66
78754$5,826.18
78756$5,398.41
78757$5,366.46
78758$5,752.99
78759$5,351.94
78799$6,648.89
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According to this data, we can see that the three cheapest ZIP codes are 78728 ($5,248.29), 78717 ($5,274.30), and 78759 ($5,351.94). Conversely, the most expensive ZIP codes are 78712 ($6,259.11), 78799 ($6,648.89), and 78710 ($7,029.64).

It makes sense that car insurance companies charge more depending on ZIP codes, as certain ZIP codes have more claims for things like theft, vandalism, and accidents, which cost insurance companies more money.

So, if you live in a ZIP code with a higher average cost of car insurance, check out the crime and accident statistics in your neighborhood; these could be the reason for higher rates.

What’s the best car insurance company in Austin?

Researching the best car insurance company in your city often involves hard and tedious work, right? You can spend a lot of your precious time diving deeply into the web to search for the right car insurance, and, after putting in hours that you could have used on something you enjoy, you still might not even find the best insurance for your needs.

Luckily, we’ve done some thorough research ourselves, and we’re going to provide you with all the necessary information so you can make a smart decision about what car insurance is best for you.

In this section, we’re going to show you the cheapest car insurance rates by company, the best car insurance for commutes, the best car insurance for coverage level rates, and much more. Keep reading to learn about the insurance companies in Austin so you can drive cheaply and safely.

Cheapest Car Insurance Rates by Company in Austin

In this section, we’re going to show you the cheapest car insurance rates by company in the City of the Violet Crown. We’ve compiled this information in the table below.

CompaniesAverage Rate
Allstate$5,496.49
American Family$4,769.79
Geico$3,480.39
Nationwide$3,421.67
Progressive$4,343.44
State Farm$3,111.91
USAA$2,503.42
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Based on these numbers, the cheapest insurance company is USAA, and the average rate for their customers is $2,503.42. Of these cheap car companies, the most expensive company is Allstate, and their average cost is $5,496.49.

These numbers are important to know about; however, they are only averages. There are other factors that insurance companies consider that could directly affect how much you pay for your car insurance.

Keep reading to see these different factors and how these factors can make you pay more or less money for your insurance.

Best Car Insurance for Commute Rates in Austin

Insurance companies take your commute into consideration when they decide how much to charge you for insurance. We’ve listed the companies that are best for the major two types of commuting.

Companies10-mile commute/
6,000 miles annually
25-mile commute/
12,000 miles annually
Allstate$5,360.96$5,632.01
American Family$4,769.79$4,769.79
Geico$3,417.61$3,543.16
Nationwide$3,421.67$3,421.67
Progressive$4,343.44$4,343.44
State Farm$3,111.91$3,111.91
USAA$2,471.80$2,535.03
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Insurance companies typically separate commutes into two different types: 10-mile commutes and 25-mile commutes. As you can see from this table, the company that is cheapest for both 10- and 25-mile commutes is USAA, as they charge $2,471.80 for a 10-mile commute and $2,535.03 for a 25-mile commute.

The company that is most expensive for both commute types is Allstate, and they charge $5,360.96 for a 10-mile commute and $5,632.01 for a 25-mile commute.

Though there’s a difference in price for these companies, some companies charge the same for both commute distances. These companies are State Farm ($3,111.91), Nationwide ($3,421.67), Progressive ($4,343.44), and American Family ($4,769.79).

Best Car Insurance for Coverage Level Rates in Austin

Car insurance companies also consider different coverage levels when they determine how much you pay for insurance. In this table, we’ve listed how much insurance companies charge Austinites for each coverage level (high, medium, low).

CompaniesHighMediumLow
Allstate$5,676.49$5,447.41$5,365.55
American Family$5,243.21$4,607.01$4,459.14
Geico$3,689.27$3,446.28$3,305.61
Nationwide$3,296.72$3,279.29$3,689.00
Progressive$4,540.31$4,326.83$4,163.18
State Farm$3,281.28$3,106.47$2,947.99
USAA$2,605.93$2,493.42$2,410.91
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Once again, USAA is the cheapest insurance company on this list, and they charge $2,605.93 for high coverage, $2,493.42 for medium coverage, and $2,410.91 for low coverage. And, once again, the most expensive company for all categories is Allstate, as they charge $5,676.49 for high coverage, $5,447.41 for medium coverage, and $5,365.55 for low coverage.

Best Car Insurance for Credit History Rates in Austin

In addition to commute distance and coverage level, credit history is a major factor when car insurance companies determine what you pay. Here is some data to illustrate how much each car insurance company charges based on the different types of credit history (good, fair, and poor).

CompaniesGoodFairPoor
USAA$1,716.97$2,129.93$3,663.36
State Farm$2,185.97$2,743.13$4,406.65
Nationwide$2,871.14$3,299.34$4,094.54
Geico$2,022.51$3,039.37$5,379.28
Progressive$3,920.09$4,226.85$4,883.38
American Family$3,634.93$4,158.52$6,515.91
Allstate$4,387.48$5,120.72$6,981.26
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Based on this information, we can see that car insurance companies charge less if you have good credit, as they see you as less of a liability.

For example, USAA (which provides the cheapest insurance for all three categories) charges an average of $1,716.97 for good credit and $3,663.36 for poor credit. That’s nearly a $2,000 difference. Allstate, the most expensive provider for all three categories, charges $4,387.48 for good credit and $6,981.26 for poor credit, which almost a $2,500 difference.

Best Car Insurance for Driving Record Rates in Austin

Lastly, car insurance companies charge you differently based on your driving record, which absolutely makes sense. You can see how each company charges depending on your driving record in this table.

GroupClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Allstate$4,241.85$4,241.85$6,606.04$6,896.21
American Family$4,324.91$4,324.91$5,568.78$4,860.54
Geico$2,950.53$3,796.37$3,924.16$3,250.48
Nationwide$2,970.97$3,352.68$2,970.97$4,392.07
Progressive$3,789.84$4,268.48$4,894.61$4,420.83
State Farm$2,751.33$2,751.33$3,173.69$3,771.32
USAA$1,860.58$2,135.82$2,760.26$3,257.00
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The two most expensive types of records are those with accidents and DUIs, as companies see drivers with these infractions on their record as high-risk. The cheapest record is a clean record, as a driver has proven that they are responsible while driving.

The cheapest insurance option in this category is having USAA with a clean record, as you only pay $1,860.58 for insurance. The most expensive insurance possible is Allstate if you have a DUI because you’d pay $6,896.21.

What are some car insurance factors in Austin?

In addition to factors that seem like they’d be obvious considerations for insurance companies when they decide your insurance rates, there are other determinants that may seem like they have less of a direct impact on car insurance costs. However, while you may not have thought some of these elements affect your car insurance rates, they absolutely do. Keep reading to see what these elements are.

Austin Metro Report

A city’s growth and prosperity numbers play a large role in its citizens’ car insurance rates. Here are some statistics from Brookings.edu that tell you where Austin ranks for growth and prosperity.

Prosperity (12th)

  • Productivity: +1.6 percent (23rd)
  • Standard of Living: +2.1 percent (23rd)
  • Annual Average Wage: +2.5 percent (7th)

Growth (4th)

  • Jobs +3.2 percent (7th)
  • Gross Metropolitan Product (GMP): 4.9 percent (2nd)
  • Jobs at Young Firms: +6.3 percent (23rd)

It makes sense that these numbers have an impact on car insurance because they are an indicator of Austin’s economy and how it’s trending. And economies have an impact on many aspects of a city, like car insurance.

If you are unsure of some of these terms, which is understandable because most of us don’t use them every day, here are some definitions.

  • Productivity is a measure of economic efficiency which shows how effectively economic inputs are converted into output.
  • A standard of living is the level of wealth, comfort, material goods, and necessities available to a certain socioeconomic class or a certain geographic area.
  • A gross metropolitan product is a measure of economic activity within a defined metropolitan area. Lastly, jobs at young firms are jobs at companies that have recently come into existence.

Let’s compare these numbers with Austin’s neighbor San Antonio, shall we?

Prosperity (91st)

  • Productivity: -1.3 percent (97th)
  • Standard of Living: -1.2 percent (98th)
  • Annual Average Wage: +0.8 percent (62nd)

Growth (60th)

  • Jobs +2.0 percent (28th)
  • Gross Metropolitan Product (GMP): +0.7 percent (2nd)
  • Jobs at Young Firms: +3.1 percent (23rd)

As you can see, Austin’s numbers are much higher than San Antonio’s, which indicates their stronger economy.

Median Household Income in Austin

We’ve already stated that the economy has an effect on car insurance. Let’s discuss some other topics relating to the economy that affect car insurance. According to DataUSA, the median household income for Austin is $71,543, which is about $10,000 more than the United States’ median household income of $61,937 and almost $11,000 more than Texas’s median household income ($60,629).

How much of Austinites’ income goes toward car insurance? We’re glad you asked. Like we’ve said, Austin’s median household income is $71,543. If we divide the average car insurance premium in Austin, which is $5,737.03, by this number, we see that 8 percent of Austinites’ income goes toward car insurance.

This number is only for the city’s average, though.

Homeownership in Austin

Interestingly enough, car insurance companies also take homeownership into account when they determine the cost of your insurance. This is likely because, like marriage, car insurance companies likely view owning a home as a sign of stability, so, in their eyes, you’re a lower risk. Therefore, insurance is cheaper if you own a home.

Because homeownership matters to insurers, let’s take a look at the homeownership in Austin.

Based on some info from DataUSA, 44.8 percent of people in Austin own their homes, which is a slightly lower number than 2017 (45 percent). This is also lower than the national average, which is 63.9 percent.

Austin is a major city, so it makes sense that less people own homes than rent homes. For those who own homes, the median value of houses in Austin is $365,000. This is considerably higher than last year’s median value for homes, which was $332,700.

Education in Austin

In addition to homeownership, education also plays a role in how much you pay for car insurance in Austin. So, we’re going to talk about some education facts in Austin so you can have an idea about the city’s overall education level and culture.

One of the main indicators of the educational culture in a city is its universities. In Austin, the largest university is the University of Texas, as they awarded 16,610 degrees in 2017. The next largest university is the Austin Community District, and they awarded 4,388 degrees in 2017. The third-largest university in Austin is Saint Edwards, with 1,154 degrees awarded.

Some other noteworthy schools in Austin are Concordia University, Staryer University Texas, and CyberTex Institute of Technology.

Community Colleges are also an integral part of Austin’s education culture. According to Community College Review, there are 41,799 students in Austin’s top four community colleges. Le Cordon Bleu College of Culinary Arts is one of these esteemed community colleges; they have a teacher ratio of 31:1, which is lower than the state community college average of 35:1, and it has a 52 percent minority enrollment.

Le Cordon Bleu offers programs that are structured to ensure that students are exposed to a diversified education in culinary arts with the perfect blend of general education classes to broaden their awareness, knowledge, attitudes, and values. It is also is accredited by the Accrediting Council for Independent Colleges and Schools.

Another great community college is the National American University in Austin, and it serves 207 students and 8 percent of students are full-time. It’s earned its reputation as a respected community college because it’s in the top 20 percent of community colleges in Texas for diversity and highest graduate earnings (10 years post-grad).

Wage by Race and Ethnicity in Austin

Wages and jobs are other factors that car insurance companies take into consideration when they determine how much you pay for car insurance. That’s why we’re going to show you a statistical breakdown of wages in Austin.

Unfortunately, there is some disparity in wages amongst various races. Though this is very unpleasant, it exists, so we are going to show you the data on this subject to help you have a better understanding of your car insurance rates.

Here are the highest-earning ethnicities based on the statistics from DataUSA:

  1. Asian: ($66,902)
  2. White: ($54,641)
  3. Two or More Races: ($47,698)

In 2018, the highest paid race/ethnicity of Texas workers was Asian, and they made 1.22 times more than the second-highest earning ethnicity, which was white. Because we’re using these statistics to help educate you about car insurance, let’s see the percentage that each highest-earning race/ethnicity puts toward car insurance:

  1. Asian: 8.5 percent
  2. White: 10 percent
  3. Two or More Races: 12.02 percent

The highest-earning occupation for Asians and the majority of other races/ethnicities is being a manager. We’ve created a table to show how much each race/ethnicity makes in this position.

Miscellaneous Managers
by Race or Ethnicity
Average SalaryPercentage of Income
Going Toward Car Insurance
Asian$106,579.004.92%
White$103,1165.09%
Two or More Races$86,431.006.07%
Black$69,172.007.59%
Other$62,098.008.45%
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As we’ve previously stated, Asians earn the most money in this position, and the actual figure is $106,579.00, and they spend 4.92 percent of their income on car insurance. As for the next two-highest earning races/ethnicities, managers who are white earn $103,116 (5.09 percent of their income on car insurance), and managers who are two or more races earn $86,431.00 (6.07 percent of their income on car insurance).

Wage by Gender in Austin

Now that we’ve seen the discrepancy in wages for different ethnicities, let’s take a look at the difference in wages for men and women. In 2018 in Austin, men earned a salary of $67,436 in and women earned $48,835.

These numbers show that men earn 1.38 times more than their female employees. Based on these numbers, men spend 8.5 percent of their income on car insurance, and women spend 11.74 percent.

Both genders earn the highest salary if they are managers of some sort. We’ve inserted a table below that shows some numbers for each gender in this position.

Miscellaneous Managers
by Gender
Average SalaryPercentage of Income
Going Toward Car Insurance
Male$114,3334.59%
Female$76,6906.84%
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These numbers from Data USA show that men earn an average of $114,333 as managers, and females earn an average of $76,690. If we look at these salaries in terms of car insurance, male managers pay 4.59 percent of their yearly income for car insurance, and female managers pay 6.84 percent of their income for car insurance.

Poverty by Age and Gender in Austin

Like wages, poverty for individuals, as well as for a city, plays a role in car insurance rates. In this section, we’re going to take a look at the different numbers for poverty by age and gender. The overall percentage of the population in Austin that lives in poverty is 15.4 percent (138,000 out of 896,000 people). This is slightly higher than the national average, which is 13.1 percent.

The demographic that makes up the biggest portion of this poverty are females who are 18-24, and they make up 12 percent of Austin’s poverty. The demographic that makes up the second-largest portion of Austin’s poverty are females aged 25-34 (10.5 percent), and then males aged 18-24 (10.4 percent).

Poverty by Race and Ethnicity in Austin

We’ve taken a look at poverty by gender and age, so now let’s take a look at poverty by race and ethnicity. If you were wondering how these numbers are determined, the Census Bureau uses a set of money income thresholds that vary by family size and composition to decide who classifies as impoverished.

If a family’s total income is less than that family’s threshold, then that family and every person in it is considered to be living in poverty.

In Austin, people who are white make up the largest percentage of the city’s poverty, as they make up 43.9 percent of that statistic. Hispanics make up the second-largest percentage of Austin’s poverty (34 percentage), and races that are other are the third-largest percentage of Austin’s poverty (7.85 percentage).

Employment by Occupations in Austin

We’ve taken a look at poverty and wages, so now let’s see some numbers about the last subject that’s pertinent in this category: occupations.

The employment in Austin grew by 2.48 percent from 2017 to 2018, which is an increase from 551,000 employees to 565,000 employees. The most common occupations in Austin are management occupations, which make up 12.7 percent of all occupations. People in sales positions take up the second-largest amount of the workforce, as 10.4 percent of jobs in Austin are sales-related jobs.

The second-smallest number of people work in fire fighting and prevention and other protective services (.78 percent) and the smallest portion of the job field in Austin is made up of law enforcement workers. In fact, it’s so small, there isn’t even a percentage listed, but DataUSA shows us that 979 people work in this field.

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Driving in Austin

We get that it’s tough to learn all about driving in Austin in addition to learning about car insurance, but it’s absolutely necessary to learn about driving in Austin because if you know about operating a car in the City of the Violet Crown, you’ll have a better idea about car insurance in Bat City (another nickname for Austin).

Our mission is to help you learn as much about driving in Austin as possible so you can be an expert on the roads and an expert in car insurance. We’ll do this by giving you detailed information about driving in Austin in the section below that is interesting and easy to understand.

We’ll tell you what the major roads and highways are in Austin, inform you of popular trips and sites, the road conditions in the city, and much more. Keep reading to learn all about this necessary information.

What are major roads in Austin?

If you’re driving, 99 percent of the time you’ll be driving on a road, so we’re going to provide you with some essential information about the roads in Austin. First, we’re going to take a peek at the major highways in the City of the Violet Crown.

Major Highways in Austin

The two most active routes in Austin are I-35 and Loop 360. 175,000 vehicles travel across I-35 daily, and the rush hour traffic speed is usually around 20 miles per hour. Loop 360 was ranked as the 98th-most congested highway in all of the United States, and rush hour traffic caused about 155,000 annual hours of delay per mile.

Though these routes are quite active and inconvenient at the moment, Austin is making efforts to create more highways to reduce the amount of congestion on its most active highways.

Speaking of other roads that help you get around in Austin, there are 237 miles of highway in Travis County (Austin’s county). Here is a table that displays the roads that constitute this impressive total.

Interstate/HighwayLength (Miles)Toll (Yes/No)
I-3529No
Loop 122Yes
Loop 1114No
Loop 2122No
Loop 2759No
Loop 3435No
Loop 36014No
SH 45not listedYes
SH 7144No
SH 951No
SH 13032Yes
SH 1651No
Spur 691No
US 18333No
US 29040No
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We’ve also included a video of I-35, one of the active highways we just mentioned. This video will serve as a visual aid to help you further understand what driving on this highway is like.

In addition to these more practical facts, there are some interesting, fun facts about Austin’s roads. There was once a road called Hairy Man Road, and travelers who walked down it risked angering a hairy hermit, who would yell, jump down from trees, and frighten away carriages.

Today, the Hairy Man legend lives on in the annual Hairy Man Festival, which raises money for local charities and features vendors, live music, and a “hairiest man” contest.

It’s also interesting that every day, 85 new residents are added to Austin, which includes new people moving to town, births, and deaths. This number is equivalent to 70 more cars on Austin roads each day. Another fact that is both interesting and practical is that Austin plans on building a high-priority corridor in North Austin with 2016 bonds.

You can see all the roads that have tolls in the table above. According to this table, three of the major highways in Austin have tolls. However, Austin has a total of 10 toll roads. The cost of single pass-through costs of tolls varies based on how you pay, what kind of vehicle you drive, the type of road, and toll booth, but the prices range from $0.51 to $8.55.

You can find the information how much you would pay in each toll-related scenario here.

If you want to get a monthly or annual pass, you can get a TxTag. You can pre-pay your tolls on your tag and enroll in a program called AutoPay, which sets your tag up to an account so that it is replenished when it drops to a preset low balance amount. If you enroll in AutoPay, you get your TxTag stickers for free. If you’re not enrolled, you have to $7.99 for a new tag or a replacement.

Popular Road Trips/Sites

After learning about how to get around on Austin’s roads and highways, let’s look at some of the destinations that you can use those roads and highways to travel to.

#1 — The State Capitol and Visitor’s Center

Finished in 1888, the State Capitol and its 22 acres of land are where the governor and state legislators reside. Aesthetically, it’s a magnificent building, and, at 308 feet tall, it’s absolutely massive. In fact, it’s actually larger than the U.S. Capitol in D.C.

In the areas surrounding the Capitol, you can walk through a park via the tree-lined path called the Great Walk and admire the many monuments, including the Texas African American History Memorial, the Vietnam War monument, a bronze statue of a Texas Ranger, and even a miniature Statue of Liberty.

Here is a video that shows you what Austin’s state capital looks like.

If that doesn’t make you want to take a tour of Austin’s capital, then we don’t know what will.

#2 — Lady Bird Lake

Lady Bird Lake was named after the wife of President Lyndon and is actually a section of the Colorado River that covers 416 acres and has become one of the city’s top recreational spots. There are a bunch of hotels on the river, but the majority of it is open to the public. If you want to have some fun at Lady Bird Lake, there are plenty of bike pathways, bridges, statues, and music venues.

#3 — The Bat Bridge

This tourist attraction could either be one of the coolest experiences you’ll ever have or your worst nightmare. Regardless, it’s one of the most famous parts of Austin, so we feel obligated to tell you about it.

It’s called the Bat Bridge, but its formal name is the Ann W. Richards Congress Avenue Bridge. This bridge is home to the world’s largest bat colony (1.5 million), and at dusk, they fly out from under the bridge and eat mosquitoes, moths, grasshoppers, and other flying insects. There are so many of them, it can take up to 45 minutes for them to just leave their home.

Whether you’re interested in bats or not, the event is pretty amazing. You can see it happening in the video below.

That’s a truly incredible phenomenon, and it only happens in Austin.

#4 — Umlauf Sculpture Garden and Museum

Lastly, we have the Umlauf Sculpture Garden and Museum. This attraction was created for people to better understand and appreciate American sculptures. It’s in Austin’s Zilker Metropolitan Park, and the outdoor sculptures are displayed among trees, gardens, and ponds. It’s a truly gorgeous exhibit, and it’s a great way to spend a day in Austin’s mild climate.

Road Conditions in Austin

If you already want to know about what roads are in Austin and where these roads can take you, you should probably have an idea about the condition of these roads, too. We’ve organized the necessary facts about the road conditions in Austin in this table.

PoorMediocreFair GoodVehicle
Operating Costs
16%32%8%44%$507
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Austin’s roads are actually very good compared to the other roads in most other major cities. Most of Austin’s roads are in good shape (44 percent), and only 16 percent are considered poor.

The city’s average vehicle operating costs (the costs that vary with vehicle usage, including fuel, tires, maintenance, repairs, and mileage-dependent depreciation costs) for each car total $507. These are significantly lower than Austin’s neighbor San Antonio, as San Antonians’ spend an average of $710 on vehicle operating costs.

We’ve included a video that shows what Austin’s roads are like.

Next, let’s take a look at what Austin’s policies for red-light cameras and speeding cameras are. This is a controversial topic, but we’re going to explain both sides’ positions on this issue. We’ll also say what Austin’s current laws about these cameras are and what some of their past laws were.

Does Austin use speeding or red-light cameras?

Red-light running might not be the first kind of dangerous traffic accident that people think of, but it certainly poses a great risk to drivers. In 2017 alone, there were 890 people who killed in crashes as a result of red-light running. Red-light cameras are implemented to help reduce this number and to make our roads safer.

How do red-light cameras work, exactly? Well, if a vehicle enters an intersection any time after the signal light has turned red, the driver has committed a violation. Drivers who are inadvertently in an intersection when the signal changes (such as when they’re waiting to turn left) are not red-light runners.

While red-light cameras were, at one time, used in Austin, their usage has been stopped.

In addition to ending the program, Austin has decided to waive all fines that drivers incurred from red-light cameras. Even though these red-light cameras generated more than $7 million in revenue and cut the accidents related to running red lights in half, lawmakers have won their campaign to end Austin’s red-light camera program, as they claimed it was unconstitutional.

Here’s a video that talks about red-light cameras.

As for speeding cameras, Texas currently has no traffic enforcement cameras. After looking at these issues, let’s take a peek at what kind of vehicles are popular in the Live Music Capital of the World.

What type of vehicles are in Austin?

Because so many vehicles drive in a major city like Austin, it’s a good idea to know about these vehicles. And a great place to start is knowing what the most popular vehicle in Austin is, so we’re going to provide you with all the necessary information about this type of car.

Most Popular Vehicles Owned

The most popular vehicle in Austin is the Honda Fit. This makes sense, as the car is highly affordable ($16,190), and it has numerous features and perks. Here’s a video that shows you what the Honda Fit is like.

Widely regarded as one of the best cars in the subcompact class, the Honda Fit has a spacious cabin with a configurable rear seat that can give you even more spaceAdditionally, there are many helpful driver aids, too.

According to U.S. News, the Honda Fit is ranked number one for subcompact cars in 2020. The standard inside of the car includes a  5-inch infotainment screen, a USB port, Bluetooth, and a four-speaker stereo.

If you want, you can also upgrade and get a 7-inch touch screen, Apple CarPlay, Android Auto, a navigation system, a six-speaker stereo, HD Radio, satellite radio, and HondaLink, which gives you remote access to your Fit and lets you use some features from your smartphone on the touch screen.

As for safety, the Honda Fit scored a 9.2 out of 10 on U.S. New’s scorecard for safety, and it scored five out of five for The National Highway Traffic Safety Administration’s safety tests. Additionally, the Insurance Institute for Highway Safety awarded the Honda Fit its highest score in three crash tests.

In regard to the vehicle’s safety features, the Honda Fit has a rearview camera and automatic high-beam headlights. You can also purchase more safety features such as forward collision warning, a collision mitigation braking system, lane keep assist, lane departure warning, road departure mitigation, and adaptive cruise control.

The Honda Fit is also a very environmentally friendly car, as it gets 33 mpg in the city and 40 mpg on the highway. Compared to other subcompact cars, these numbers are phenomenal.

How Many Cars Per Household

Based on some information from the always-credible DataUSA, we know that the average household in Austin owns two cars. A substantial 45.2 percent of all homes own two cars, which is larger than U.S. average of 40.3 percent. The second-largest percentage of homes in Austin own one car, as 28.4 percent of homes in Austins only have a single vehicle.

Households Without a Car

While some households only have one car in Austin, there are others that own no cars. In 2015, 6.9 percent of homes in Austin didn’t own a car, and in 2016, the number dropped a bit to 6 percent. In these same years, the average vehicles owned by Austin homes were 1.65 in both 2015 and 2016.

Speed Traps in Austin

While there aren’t any red-light or speeding cameras in Austin, there are certainly speed traps. In fact, Austin is ranked by SpeedTrap.org as the second-worst city for speed traps in all of Texas, with 11 traps total. It’s a valid ranking, too, as 83 percent of people acknowledge the prevalence of speed traps in Austin.

Vehicle Theft in Austin

Like in most major cities, vehicle theft is a problem in Austin. According to the FBI’s website, there were 2,538 vehicle thefts in Austin in 2018. Below, we’ve included a new report about car theft in Austin.

But while there are vehicle thefts and crime in Austin, there are also safe neighborhoods where crimes are few and far between. According to Neighborhood Scout, the safest of all the neighborhoods is N Quinlan Park Rd / Fm 620 Rd N.

Austin, TX Annual CrimeViolentPropertyTotal
Number of Crimes3,77034,29238,062
Crime Rate
(per 1,000 residents)
3.9135.5639.47
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We can see that in Austin, there were 3,770 violent crimes committed in the past year, which equates to violent crimes happening to 3.91 people out of 1,000 people. Though violent crimes are significantly lower than property crimes in Austin, violent crimes that occur by the thousands are never good.

Your chances of becoming a victim of a violent crime in Austin are 1 in 256, which is because it’s better than the rest of Texas (the chance of becoming a victim of violent crime in the rest of Texas are 1 in 243). Austin is also safer than 8 percent of U.S. cities, which gives it a crime index of eight (out of 100).

As we’ve previously stated, there were 3,770, but there were many more property crimes. Last year in Austin, there were 34,292 property crimes, which is equal to 35.56 out 1,000 people. There were 38,062 total annual crimes in Austin, which is the same as 39.47 crimes per 1,000 people.

If you look at the number of crimes per square mile in Austin, you’ll see that there are 125 crimes per square mile, and this a lot bigger than Texas’ 27 crimes per square mile. This makes sense though, considering how spread out the rest of Texas is.

How is traffic in Austin?

All major cities have their issues with traffic, and Austin is no different. We’re going to breakdown Austin’s traffic by the numbers so you can have a clear idea about how to navigate through the Live Music Capital of the World as efficiently as possible.

Traffic Congestion in Austin

If you look at INRIX’s data, you’ll see that Austinites spent an average of 104 hours sitting in traffic in 2018, which is 2 percent lower than 2017 (108 hours). TomTom shows that the congestion percentage during Austin’s morning peak is 45 percent, and it is a much higher 68 percent during the evening peak. The overall congestion level in Austin for 2018 is 27 percent.

For highways, the percentage of congestion is 34 percent, and for non-highways, it’s 26 percent. Traffic is also not only inconvenient: it’s costly, too. On average, Austinites spend an extra $1,452 because of traffic. Traffic also adds 14 minutes of extra travel time (per thirty minutes in the mornings for Austin drivers, and an extra 20 minutes (also per thirty minutes) in the evenings.

Numbeo lets us know that Austin’s traffic index is 161.84. If you’re not sure of what traffic index is, exactly, we’ll go ahead and explain it to you. Basically, a traffic index is a composite of time spent in traffic due to job commutes, an estimation of time consumption dissatisfaction, CO2 consumption estimation in traffic, and overall inefficiencies in the traffic system.

The time index, another important number to help drivers understand traffic statistics, is an average one-way time needed to get somewhere that’s measured in minutes. In Austin, this number is 34.25 minutes.

Lastly, Austin’s inefficiency index is 222.53.

If you’re not entirely sure about what an inefficiency index is, it’s an estimation of inefficiencies in the traffic. High inefficiencies are typically caused by an excess of people driving instead of using public transportation or because of workers’ long commute times. It can also be used as a traffic component measurement in economies of scale.

Words and descriptions are great, but there’s nothing quite like a visual aid. Here’s a video of Austin’s traffic so you can see what it’s like.

Austin’s traffic might not be the greatest (probably because there’s no such thing as great traffic), but at least it’s not the worst traffic in Texas. This is great because even though Austin is a major city, the traffic isn’t unbearable.

Transportation

If we’re talking about traffic, it makes sense to talk about methods of transportation and commuting, as well. The average commute in Austin takes 22 minutes, shorter than the average commute for other American workers (25.7 minutes). It’s also worth mentioning that .984 percent of Austinites have a super commute, which is a commute longer than 90 minutes.

Of these commuters, 75.4 percent drove to work alone, 8.41 percent worked at home, and 8.04 percent carpooled. These statistics are interesting because for many cities, more people typically carpool than work from home. In Austin, it’s actually the opposite.

It’s also interesting that workers in a large city like Austin have a lower commute time than the rest of America. This is very rare, as most bigger cities have a longer commute than the rest of America because of the larger population, abundance of jobs, and a higher level of traffic congestion.

Busiest Highways

There is no shortage of busy highways in Austin, as 15 out of Texas’ 100 busiest highways are located in Austin. That’s a pain, but we’ll tell you all about them so you can be aware of them and navigate Austin more easily.

The three busiest of these highways are IH 35 from US 290 North/SS 69 to Ben White Boulevard/ SH 71 (ranks second in Texas’ busiest highways), IH 35 from Ben White Boulevard/ SH 71 to Slaughter Ln (ranks 10th in Texas’ busiest highways), and US 290/ SH 71 from RM 1826 to S MoPac Expy/ SL 1 (ranks 29th out of Texas’ busiest highways).

Texas A&M has some fantastic data about Austin’s busy highways, too, so let’s examine some of these statistics. The average commuter in Austin is delayed by 66 hours because of traffic, which places them at 14th for all cities in the United States.

If you compare this with Los Angeles, the city that is ranked number one for most hours lost in traffic, the average Los Angeles commuter has more than 50 hours in traffic delays (119 total) than an Austin commuter. That’s a pretty significant difference.

The time travel index for Austin, which is the ratio of the travel time during the peak period to the time required to make the same trip at free-flow speeds, is 1.24. This means a 20-minute trip in free-flow traffic would take a little less than 25 minutes in peak traffic for Austin drivers. If you compare this with San Antonio, Austin’s neighbor, the city’s time travel index is slightly lower than Austin’s at 1.23.

Traffic wastes gas as well as time. Austin drivers wasted 25 extra gallons of fuel on their commutes, which places them at 20th for all major cities. When compared with another major Texas city like Houston, Austin burned less fuel during congestion than Houston, which had an average of 34 extra gallons of gas wasted in traffic (this places them at seventh out of all major cities).

Note: this excess fuel consumption is measured as increased fuel consumption due to travel in congested conditions rather than free-flow conditions.

There are a few more statistics we need to look at in this section before we move on to the next one. The first is about the annual hours spent in traffic. According to Texas A&M, 2017 (the most recent year that has this data) had a total of 2,864 hours spent in traffic.

How much does this cost for Austinites? Well, to give you a rough idea of it, it costs $18.12 per hour for a person if we’re valuing their time. The technical way of valuing a person’s time is the amount a traveler would be willing to pay to save time or the amount they would accept as compensation for lost time. When you think about how much money that is for all these hours of commuting, it’s kind of scary.

Finally, as we mentioned, wasted gasoline is a major factor for commuters. To give you an idea of Austinites’ expenditure on gas, it costs $2.17 for each gallon of gasoline wasted in traffic. So, Austinites spend an extra $6,214.88 on gas because of traffic.

Due to all these statistics about traffic that details its wastefulness, it’d be amazing if there were some measures being taken to reduce traffic in Austin. Fortunately, Austin’s government is making plans to reduce traffic for the future.

How safe are Austin streets and roads?

Now that we’ve examined the highways in Austin, let’s take a look at some of the statistics about the fatalities that happen on these highways as well as other types of roads.

The table below shows the fatalities from 2013-2017 in Travis County (Austin’s county). Hopefully, by seeing them you’ll be able to learn from these tragedies and drive more safely on Austin’s roads.

Travis County20132014201520162017
Fatalities11295145120120
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According to this data, the most dangerous year for drivers in and around Austin was 2015, as 145 people died in traffic fatalities that year. The safest year was 2014, as 95 people died that year.

To give you a comparison of how these numbers stack up against other counties, we’ve listed the other counties around Travis County, and we’re going to show you the most fatalities in each county as well as what year this high amount of fatalities took place.

  • Bastrop: 37 fatalities (2016)
  • Williamson: 47 fatalities (2014)
  • Caldwell: 15 fatalities (2014)
  • Hays: 39 fatalities (2016)
  • Blanco: 9 fatalities (2014)
  • Burnet: 20 fatalities (2014)

As you can see, none of the counties even come close to the highest amount of fatalities in Austin’s county. In fact, Travis County’s lowest year for traffic fatalities is actually two times higher than Williamson’s year for the most traffic fatalities.

Now, let’s see the fatalities for Travis County drivers that were under the influence while driving. Remember: drinking and driving is never a good idea, and you should always call a cab.

Travis County20132014201520162017
Fatalities5450714457
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As you can see, the most fatalities related to DUIs in Travis County occurred in 2015, as 71 people died that year from DUI-related accidents. The year in which the least amount of DUI-related deaths occurred was 2016, with 44 deaths. And from 2013 to 2017, there were a total of 276 DUI-related deaths in Travis County.

In addition to DUI-related deaths, single-vehicle crashes have been a tragic problem in Travis County, too. We’ve created a table to give you an understanding of this problem by the numbers.

Travis County20132014201520162017
Fatalities6045746864
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Based on these numbers, we can see that the majority of this kind of fatality happened in 2015, with 74 deaths. The year with the least amount of fatalities from this kind of accident was 2014, with 45 deaths happening that year. In total, there were 311 deaths from single-vehicle crashes from 2013-2017.

Speeding tickets are more than a means to give money to the state. Speeding kills many people every year, including in Travis County. We can see the exact number of fatalities from speeding for each year in Travis County below.

Travis County20132014201520162017
Fatalities3733432830
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This table shows us that the most dangerous year for speeding was 2015, as 43 people died from speeding-related accidents that year. The year with the least amount fatalities involving speeding was 2017, with 30 deaths.

The next set of statistics we’re going to look at are those that show the number of fatalities due to roadway departures in Travis County. If you’re uncertain about what a roadway departure crash is, it’s defined as a crash which occurs after a vehicle crosses an edge line or a centerline, or otherwise leaves the traveled way.

As you can imagine, this accident is extremely dangerous, and 52 percent of all the traffic fatalities in the United States are the result of roadway departure crashes.

Here is a table that shows you the details about the types of crashes in Travis County. Certain crash types result in more fatalities than others, so that’s why we’ve listed each crash type with the number of fatalities that they caused to give you a complete idea about which crash types are the most dangerous.

Travis County20132014201520162017
Fatalities5047514756
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The most amount of deaths from roadway departure crashes in Austin County happened in 2017, and 56 people died from this type of accident that year. The years in which the least amount of deaths related to roadway departure crashes were 2014 and 2016, as 47 people died from this type of crash in those years.

Next, we have the number of fatalities that happened because of intersection-related crashes in Travis County. You’ve undoubtedly seen this type of crash when you’ve been driving along the highway, and it’s quite a grim sight. Below, we’ve listed the number of intersection-related fatalities by year from 2013 to 2017.

Travis County20132014201520162017
Fatalities2332392633
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As you can see, the year with the most fatalities from intersection-related crashes was 2015, and 39 crashes happened that year. The least amount of intersection-related fatalities happened in 2013, as 23 deaths from this type of crash happened then.

There’s a reason why the passenger seat is nicknamed the death seat: many people die as a result of sitting in the front seat. In this table, we’re going to show you how many people died while being in the passenger seat from 2013-2017.

Travis County20132014201520162017
Fatalities3539534443
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Most passengers died in 2015 while sitting in the front seat, as 53 front seat occupants died that year. In 2013, the least amount of passenger seat occupants died, and 35 people died that year.

Pedestrians are at risk in Travis County. In fact, 136 pedestrians were killed by vehicles from 2013 to 2017 in Travis County. This table shows the exact number of pedestrians that died each year during this time period.

Travis County20132014201520162017
Fatalities2612393524
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The year in which the most pedestrians died was 2015, as 39 pedestrians died that year. The safest year for pedestrians was 2014; 12 pedestrians died that year.

The last set of statistics about fatalities in Travis County that we’re going to discuss involve pedalcyclist deaths. Like pedestrians, cyclists are at risk on Travis County roads.

Travis County20132014201520162017
Fatalities21325
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We can see that 2017 was the most dangerous year for cyclists due to the fact that five cyclists died that year. Conversely, the safest year for cyclists was 2014, as a single cyclist died that year.

Of all the fatalities that happen in Austin, there are certain interstates where more fatalities occur than on other types of roads. The most dangerous interstates in Austin are I-35, I-10, I-95, I-80, and I-20; I-35 is considered the most dangerous out all of them. Make sure to be extra aware on these roads.

In addition to interstates, there are other road types that are more dangerous than others. Here is a table detailing the most dangerous road types in Travis County.

Road TypeFatalities in Travis CountyFatalities in Texas
Rural Interstate0176
Urban Interstate10402
Freeway and Expressway14260
Other41982
Minor Arterial20652
Collector Arterial17600
Local6261
Unknown110
Total1093,343
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According to these numbers, the most dangerous road type in both Travis County and Texas is Other, as 41 Austinites and 982 Texans died on this type of road.

The safest road type for Travis County is Rural Interstate, as no people died on this type of road. For the state of Texas as a whole, the safest road type is Unknown, and there were 10 fatalities on this type of road. The total numbers for fatalities on roads are 109 for Austin and 3,343 for Texas.

Finally, drivers and pedestrians in Austin must be cautious around railways, too. People forget about the danger of railways, but make no mistake: if you aren’t paying attention or being responsible driving or walking near or across a railway, the consequences could be tragic. Here is some information about railway accidents in Austin.

Highway User SpeedHighwayHighway User TypeRail Equipment TypeNon-Suicide FatalityNon-Suicide Injury
37th StAutomobileFreight Train00
0Jerry Kahlbau-Del RoAutomobileE13
5Koenig LaneAutomobileE01
30Koenig LaneAutomobileE00
5Koenig LanePick-up truckE00
UnknownLamar BlvdPedestrianE00
UnknownMLK BlvdPedestrianFreight Train00
0Private (Cates Ranch)AutomobileFreight Train00
0Stassney LanePedestrianPsgr Train10
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This table shows the types of accidents, injuries, deaths, highway on which the accident occurred, the speed at which the car was driving, whether the person was driving or walking, the year in which the accident occurred, the county in which the accident occurred, and the type of train involved in the accident.

This thorough report is designed to give you as much information possible so you can avoid future railroad accidents.As you can see from this data, the worst time and place for railway accidents in Austin was during 2012 in Travis County on the Jerry Kahlbau-Del Ro Highway, as this highway caused one death and three injuries.

Though this was 2012, railway accidents are still an issue today. Learn from the past and be a safe driver or pedestrian. You can also learn more about railway accidents by checking out this heat map.

Look, we know that these statistics aren’t the most cheerful, but it’s important to know about them so you can be more aware on the roads. If you’re more aware, there will be fewer accidents, which means fewer fatalities. So, if you know about Austin/Travis County roads and fatality statistics, you’ll make your roads a safer place.

Allstate America’s Best Drivers Report

Allstate publishes a drivers report by each major city in America so that you can see which city has the safest drivers. And because we’re talking about Austin in this article, it makes sense that we include Allstate’s report of Bat City.

According to Allstate, there is an average 7.6 years between claims in Austin, the likelihood of a claim happening in Austin compared to the rest of the country is 0.392, and there is no information for the hard braking data in the Violet Crown City. Now that we’ve seen some information about personal driving in Austin, let’s look at some useful information about ridesharing.

Ridesharing

Below, we’ve listed the different rideshare services in Austin. We’ve also selected a route from Austin-Bergstrom International Airport to Austin City Hall so you can get an idea about how much each service costs.

  • Ride Austin: $23
  • Lyft: $25
  • Uber: $26
  • Taxi: $34
  • Curb: $36
  • Carmel: $67
  • ExecuTesla

As you can see, the most affordable rideshare service is Ride Austin, and the most expensive is Carmel, as Carmel offers high-luxury vehicles like Sedans and Limos. However, ExecuTesla did not even list a price, so it’s safe to assume that their quote will be pretty high.

Lyft and Uber were on the lower-side for price, and there was only a dollar difference (Uber was the more expensive one) between the two services. So, either choice would be good for a cheaper ride.

If you’re looking for cheaper options than these, many of these rideshare services provide options like Lyft Line or Uber Pool that allow you to ride with other passengers for a reduced rate. This takes longer, but it saves money.

E-Star® Repair Shops

If you’ve been in a car accident, E-Star® Repair Shops offer some fantastic options to fix your beloved vehicle. This is because E-Star® Repair Shops not only offer great repair services, they offer world-class customer service, too. If you’ve been in an accident and need access to an E-Star® repair shop, we’ve created a table with the addresses and contact information of the top E-Star® Repair Shops in Austin.

E-Star® Repair ShopAddressContact
Caliber - Austin - Braker Lane109 E Braker Ln
Austin TX 78753
email: AustinBraker@CaliberCollision.com
P: (512) 836-3970
F: (972) 906-7164
Caliber - Austin - Highway 62012322 Highway Rr 620 N
Austin TX 78750
email: austinhighway620@CaliberCollision.com
P: (512) 331-8083
F: (972) 906-7164
Caliber - Austin - Manchaca6222 Manchaca Rd
Austin TX 78745
P: (512) 443-4862
F: (972) 906-7164
Caliber - Austin - North Lamar8735 N Lamar Blvd
Austin TX 78753
email: AustinNorthLamar@CaliberCollision.com
P: (512) 836-0163
F: (972) 906-7164
Caliber - Austin - South Lamar1804 S Lamar Blvd
Austin TX 78704
email: AustinSouthLamar@CaliberCollision.com
P: (512) 444-6411
F: (972) 906-7164
Caliber - Round Rock - Mays1809 N Mays St
Round Rock TX 78664
email: RoundRockMays@CaliberCollision.com
P: (512) 388-3020
F: (972) 906-7164
Service King Lakeway1403 Hwy 620
Lakeway TX 78734
email: ccc@serviceking.com
P: (512) 266-9846
F: (512) 266-9981
Service King North Lamar6518 North Lamar
Austin TX 78752
email: ccc@serviceking.com
P: (512) 454-0461
F: (512) 454-9870
Service King Round Rock16604 N Ih 35
Austin TX 78728
email: ccc@serviceking.com
P: (512) 246-0460
Service King South Austin7501 S I-35
Austin TX 78744
email: ccc@serviceking.com
P: (512) 442-0461
F: (512) 442-3387
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E-Star® Repair Shops constantly monitors their shops to ensure that only the best repairs and customer services are provided to its customers. They also make sure that all of their facilities are state of the art and adhere to strict environmental and EPA standards.

After you’ve filed your claim, you can choose any of the E-Star® Repair Shops that are best for you. If you’ve got any questions about any part of this process, you can always contact a friendly and dedicated claims rep.

What is the weather like in Austin?

One of the many benefits of living in Austin is enjoying the city’s amazing weather. We’ve listed some statistics about Austin’s magnificent climate below. Check them out so you can see how truly great Austin’s weather is.

Austin, TX WeatherAverages
Annual High Temperature79.8°F
Annual Low Temperature59°F
Average Temperature69.4°F
Average Annual Precipitation - Rainfall:34.25 inches
Average Annual Snowfall-
Average Annual Sunshine 228 days
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According to these numbers, the annual high temperature in Austin is 79.8°F and the city’s low is 59°F, which proves how mild Austin’s weather is. The average weather for the year is 69.4°F, and the average rainfall is 34.25 inches.

Another precipitation statistic that many of you will likely enjoy is that Austin has no average for annual snowfall.

Lastly, Austin has an exceptionally high number of days with sun, as there is an average of 228 days of sun in Austin.But Austin’s weather isn’t all perfect. Austin has a lot of natural disasters. In fact, Austin’s county (Travis County) had 13 more natural disasters than the U.S.’s average of 13. Here is a list that shows you the different types of natural disasters that Austinites were subjected to:

  • Fires: 11
  • Storms: 9
  • Floods: 8
  • Hurricanes: 6
  • Tornadoes: 4
  • Winds: 2

Because of the high rates of natural disasters in Austin, it’s imperative that you get coverage that protects you from natural disasters. In Austin, it would be wise to get purchase fire insurance, flood insurance, and hurricane insurance.

You can also cover yourself from all these disasters and all other possible damages that aren’t collision-related if you purchase comprehensive insurance. Though many insurers let you buy protection from individual disasters, it can actually cost just as much to get comprehensive coverage for all possible damages.

Is public transit available in Austin?

The main provider for public transportation in Austin is called Capital Metro. In Austin, there is a train line called the MetroRail that runs from downtown Austin to the city’s northern suburbs, but the primary way to get around in Austin if you want to use public transportation is by bus. If you want a list to see the different kinds of buses you can take in Austin, check out this list:

  • MetroRapid: Frequent service that crosses the heart of the city.
  • High Frequency Network: Local buses that connect the city with service every 15-20 minutes.
  • MetroExpress: Commuter Express buses serving suburban Park and Rides.
  • MetroAirport: Service to Austin Bergstrom International Airport every 30 minutes.
  • MetroBus: Network of Local buses that connect neighborhoods, downtown, UT and the Capitol Complex.
  • Night Owls: Late-night buses that connect downtown to surrounding neighborhoods.

These are all great services, but what about the prices? Well, you’re in luck. We’ve got those numbers for you, too. Look below to see our table that details the prices of each service.

Fare TypeCost
Single Ride$1.25
Single Ride, Reduced$0.60
Day Pass$2.50
Day Pass, Reduced$1.25
7-Day Pass$11.25
31-Day Pass$41.25
31-Day Pass, Reduced$20.60
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You may see a category entitled reduced rate. This is the rate for seniors 65 and older medicare cardholders, active-duty military personnel, and riders with disabilities. In addition to local service fares, Austin also has a set of fares for commuters. These fairs include all the local services plus MetroExpress Routes and MetroRail trains.

Another great part of Austin’s commuting services is that kids are allowed to ride for free. The only rules for this amazing discount are that the children must be under 18, K-12 students needed to have a student ID, and kids 10 and under need some who is 12 or older to travel with them on these services.

Are other Alternate Transportation available in Austin?

If you want to try a new, trendy way of getting around town, you can use a service like Lime or Bird. Lime is a dockless bike service in Austin. Lime was brought to Austin to help Austinites get around their city quickly and efficiently while also reducing the city’s carbon footprint.

As for the cost of renting a bike, Lime charges a fixed rate to unlock a vehicle and then charges per minute as you ride. Rates and promotions can vary by city, day of the week, and time of day.

Lime also provides another great form of transportation: electric scooters. In Austin, Lime scooters have a presence, and there have been new safety laws implemented regarding these scooters to lower the rate of injuries caused by them. Lime electric scooters cost a dollar to unlock and then cost 15 cents per minute after you’ve started riding.

Bird is another electric scooter service in Austin. They provide a similar service to Lime (dockless scooters that you can rent by the minute), and they cost the same at one dollar to unlock the scooter and fifteen cents for every minute you ride it.

Is parking easy in Austin?

Street parking in Austin has gone up in price recently, as it went up from $1.20 to $2 to park in downtown Austin. Parking in Austin can be a bit of a pain considering it has a population of almost a million people. In fact, 30 percent of congestion in Austin can be attributed to drivers looking for parking, and the occupancy rate for on-street parking during the day in downtown Austin is around 100 percent.

For coin metered parking, it’s also $2 per hour in downtown Austin. We’ve got some good news about this, though. You no longer need to find those annoying small coins in the bottoms of your pockets because Austin offers other payment alternatives for those who want to park in the Live Music Capital of the World.

Many parking meters and parking garages are going cashless these days, so it’d probably be a good idea to bring your debit card or credit card to pay for parking.

In the future, we may not even need our cards at all because there are now apps that allow you to pay for parking in Austin directly from your phone. Some of these apps include Parkmobile, Pay by Phone Parking, and Austin’s very own Park ATX.

Austin hasn’t forgotten about those of you with electric cars, either. Given the fact that Austin is one of America’s greenest cities, it’s no surprise that there are numerous electric charging stations to choose from. Here is a map that shows all of the city’s stations.

Charging in Austin is also cheap, as it only costs $4.17 per month to charge at any one of the 800 plus plug-in stations in this green city.

As for parking decks, there are plenty of options to choose from in Austin. You can also use Parkopedia to make finding these options a breeze. The costs of parking decks various in Austin, but according to Parkopedia, the cheapest parking option was $7 for two hours and the most expensive was $25 for two hours. There were also many parking decks that ranged from the $10-$18 range.

If you want to park at Austin’s airport, Austin-Bergstrom International Airport, it will cost you three dollars per hour or $27 per day for valet parking. These are the two most common types of parking one chooses at the Austin-Bergstrom International Airport, but they also offer many additional parking options. Click here to check them out.

How is the air quality in Austin?

Air quality can have a big impact on one’s quality of life in their city. It’s also clearly related to driving, so we think it’s necessary to cover this topic in our article. In order to present this information as efficiently as possible, we’ve compiled the statistics about Austin’s air quality in the table below.

Air Quality in Austin-
Round Rock, TX
201920182017
Days with Air Quality Index304365366
Good Days213262280
Moderate Days899985
Days Unhealthy for Sensitive Groups241
Days Unhealthy---
Days Very Unhealthy---
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According to these numbers, we can see that there have been fewer and fewer good days for air quality as the years have gone on in Austin. In 2017, there were 280 good days, 262 in 2018 and 213 in 2019. Fortunately, there were also less unhealthy days in 2019.

However, there were also fewer days tested for air quality in 2019, but the percentage of unhealthy days was still lower in 2019 (.65 percent) than in 2018 (1.1 percent).

We understand that driving is necessary for many people in Austin. But, if possible, it’s better to carpool or use public transportation. If this is not an option, it’s best to try to reduce the usage of cars that consume a lot of fuel and have high tailpipe and greenhouse gas emissions.

This is because cars emit many harmful substances like carbon monoxide, hydrocarbons (a toxic compound of hydrogen and carbon), cause nitrogen and oxygen to react with each other and form nitrogen oxides, and they release particulate matter, which is bad for people’s lungs.

In Austin, there are plenty of opportunities to reduce these emissions that harm our lungs and the environment, as there is a great public transportation system and numerous charging stations. And, in addition to creating a healthier city, it will reduce the cost and stress of parking.

Military/Veterans

We understand that our veterans and service people have sacrificed an incalculable amount for our country. This is why we’ve dedicated this section to discussing car insurance for our brave military members.

Below, we’re going to show you some statistics about those who have served in the military and are from Austin, reveal what military bases are near and around Austin, help you find the best military discounts are, and talk about USAA in Bat City.

The majority of Austinites who have served in the military served in the Gulf War (2001-present), as 12,068 citizens from Austin served in that war. The next two wars with the highest amount of Austin veterans are the Vietnam War, with 10,203 veterans, and the Gulf War (1990s), with 7,214 veterans.

As for military bases, Camp Mabry, which is the third-oldest military installation in Texas, is just northwest of downtown Austin. Camp Mabry also houses the 36th Infantry Division of the Texas National Guard and the 136th Regional Training Institute. In addition to this, it’s a historic Texas landmark, and it contains a Texas Military Forces Museum.

Now, it’s time to look at some facts about car insurance for those who were in the military. The company that provides the largest discount for military members is Geico, as they give those in the military a 15 percent discount.

Let’s also take a look how USAA compares with other car insurance companies in Austin when it comes to giving discounts. USAA is known for giving the military great discounts, but seeing their numbers compared with other insurance companies’ numbers gives you a good idea about exactly how well they stack up against the competition.

CompanyAverage Annual PremiumHigher/Lower ($)Higher/Lower (%)
Allstate$5,485.44$1,442.1635.67%
American Family$4,848.72$805.4419.92%
Geico$3,263.28-$780.00-19.29%
Nationwide$3,867.55-$175.73-4.35%
Progressive$4,664.69$621.4115.37%
State Farm$2,879.94-$1,163.34-28.77%
USAA$2,487.89-$1,555.39-38.47%
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As one can see, USAA is the cheapest car insurance for veterans, as veterans pay an average annual premium of $2,487.89, which is a massive $1,555.39 (38.47 percent) less than the national average of car insurance for veterans ($5,485.44). If you served your country, it would make sense to go with USAA if you want the cheapest rates.

Unique City Laws

Each city has its own unique driving laws that its citizens must abide by, and we get that these laws can be confusing and hard to keep track of. That’s why we’re going to provide some of the most essential information about laws that are specific to Austin so you have a good idea about how to drive legally in The Live Music Capital of the World.

In the section below, we’re going to look at some of the laws in Austin that deal with hands-free cellphone usage while driving, food trucks, tiny homes, and parking laws

According to AustinTexas.gov, Austin is a hands-free city. If you want to use your phone while you drive, you can use Bluetooth, headphones, or an affixed GPS system. Please use one of these devices because if you just use your cellphone as it is while you drive, you may incur a fine of up to $500.

Austin’s hands-free laws are a bit different from Texas, as the state’s law only bans texting and driving. Given the fact Austin is such a vibrant city, it makes sense that there are many great food truck options in Austin. But just because these trucks serve food doesn’t mean that they are above the law. In fact, there are special laws to which food trucks must adhere if they want to operate in Austin.

If you wish to operate a food truck in Austin, you must operate under a valid City of Austin and/or Travis County Mobile Vending permit in accordance with all the rules and regulations of Public Health. Additionally, you must obtain permit fees (which cost an average of around $1,132), and you can’t operate within 20 feet of a structure or 50 feet of a residential building.

Another phenomenon in Austin that has a unique set of laws is that of tiny homes. Tiny homes are small houses that are meant to be affordable and offer one comfort in a small space. If you want to own or build a tiny house in Austin, here are some important laws about them:

  • Tiny houses can be built on standard lots
  • They can be built up to 1,100 square feet
  • Only one parking space is required, and none within a quarter of a mile of an Imagine Austin corridor that has a CapMetro line

Finally, let’s look at some information about parking. We know that we’ve already gone over parking, but let’s get into the specific laws about parking in Austin so that you don’t have any issues. It is illegal to park the wrong way in Austin. Doing so will result in a $91-$195 ticket.

As for reserving parking spots in Austin, you can reserve parking spots online for personal parking, and you can get a permit if you want to reserve parking for a special event or construction.

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Austin Car Insurance FAQs

We get that while a lot of information was covered in this article, there might not be everything that you need to know about driving or living in Austin. That’s why we’ve added this section of frequently asked questions so that we can fill in any gaps that you might have been curious about.

These FAQs include additional questions and answers about living in Austin, car insurance in Austin, and other information that is helpful to Austinites or tourists who are just visiting City Of The Violet Crown.

Is it expensive to live in Austin?

If you want to live comfortably in Austin, you probably need to make around $55,000 a year. This is because the price for living comfortably in Austin has risen about $20,000 from 2017-2018. The average rent for a one-bedroom apartment is $13,788, utilities are $2,496, and healthcare costs almost $4,800. So, yes, it is pretty expensive to live in Austin because it’s a popular city.

Where’s the airport?

Austin has an airport that offers both domestic and international flights. The airport, which is called Austin-Bergstrom International Airport, is located at 3600 Presidential Blvd, Austin, TX 78719. To tie this FAQ in with the rideshare service section we had earlier, it’s 11.3 miles from downtown Austin.

What is the racial makeup of Austin?

Austin is actually a pretty diverse city. We’ve compiled the data for the racial makeup of Austin, and we’ve placed right here for you to see. The majority of  Austin is is white, as 68.3 percent (48.7 percent Non-Hispanic Whites) of its population is this race.

However, there are many minorities, too. Austin is also 35.1 percent Hispanic or Latino (29.1 percent Mexican, 0.5 percent Puerto Rican, 0.4 percent Cuban, 5.1 percent Other), 8.1 percent African American, 6.3 percent Asian (1.9 percent Indian, 1.5 percent Chinese, 1.0 percent Vietnamese, 0.7 percent Korean, 0.3 percent Filipino, 0.2 percent Japanese, 0.8 percent Other), 0.9 percent American Indian 0.1 percent Native Hawaiian or Other Pacific Islander.

What’s the coldest/hottest month in Austin?

Austin’s coldest month is January, as the average temperature for this month is 40.0°F. Conversely, the hottest month is August, with an average temperature of 95.6°F.

Does Austin, Texas, have four seasons?

In short, no it doesn’t. In fact, nowhere in Texas has four seasons. There are, however, scenes from Spring and Autumn, long hot summers, and variable winters.

What are the worst neighborhoods in Austin?

While Austin has some good and safe spots, it’s a city, so there are areas of crime, too. Here is a list of the ten worst neighborhoods in Austin:

  1. Montopolis
  2. Martin Luther King-Hwy 183
  3. Saint Johns
  4. East Congress
  5. McKinney
  6. MLK
  7. North Burnett
  8. Parker Lane
  9. Johnston Terrace
  10. Georgian Acres

Did we miss anything? Which section was most helpful for you? Please let us know, and hopefully, you have a better idea of car insurance so you can drive with the best coverage for you.

To find great rates in your area, use our FREE tool below.

References:

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