Spinning your wheels trying to get the best auto insurance rates in Austin? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Austin knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Austin are determined by the state of Texas. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on car insurance in Austin.
What car insurance coverage is required in Austin?
To comply with Texas’s car insurance coverage requirements, Austin drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Austin drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $30,000/60,000 |
| Property damage liability coverage | $25,000 |
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Texas drivers are required to have a minimum of $30,000/$60,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $30,000 of bodily injury coverage per person, and $60,000 of bodily injury coverage in total (for all of the people injured in an accident.)
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to Austin drivers
Austin drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Personal Injury Protection (aka PIP) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, a percentage of your lost wages as a result of your injuries, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured/underinsured driver bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured/underinsured driver property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
Want to dive into the nitty-gritty of what Texas car insurance has to offer? Get the full scoop here.
How much does Lemonade Car insurance cost in Austin?
The average cost of car insurance in Austin is estimated at $1,824 (or $152 per month)*
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Austin.
Best day trips around Austin
Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Austin.
Zilker Botanical Gardens
Located in the heart of Austin, Zilker Botanical Gardens offer a moment of calm in the busy chaos of the city. It features 28 acres of gardens, pathways, streams, and koi ponds.
Some of the gardens’ highlights include the Taniguchi Japanese Gardens, the Riparian Streambed, the Hartman Prehistoric Garden, and the Mabel Davis Rose Garden. In addition, the Garden hosts events as well as educational programming for visitors.
The Lady Bird Johnson Wildflower Center
Founded in 1982 by First Lady, Lady Bird Johnson, and Helen Hayes, The Lady Bird Johnson Wildflower Center has been using native plants to restore and beautify landscapes for forty years and counting.
This beautiful 279-acre garden is about a 20-minute drive from downtown Austin. It has also expanded its mission to include large-scale research into the ecology of Central Texas, and with a strong emphasis on education and outreach.
Museum of the Weird
The Museum of the Weird in downtown Austin works tirelessly to live up to one of the city’s well-known slogans: “Keep Austin Weird”. This small museum features everything that is a little unusual and freaky (but still fun for the whole family): shrunken heads, mermaids, bigfoot mummies, giant lizards, and more.
Pedernales Falls State Park
Just about an hour drive from Austin, this 5,212-acre State Park sits along the bank of the Pedernales River. The park offers camping, hiking, mountain biking, picnicking, bird watching, swimming, and horse-back riding galore to its visitors.
If you enjoy water activities, you can go kayaking or tubing on the river. Take safety precautions though when you enter the water, especially because Texas Hill Country is prone to flash flooding.
While you’re in the area, you can also check out Johnson City nearby, which is a cute town with art galleries, museums, and more.
Other ways of getting around Austin
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
The CapMetro operates a number of public transit options throughout the Austin area—including buses and rail. Like many US cities, Austin residents who choose not to drive can get around using bikeshares and electric scooters, as well as rideshares.
Austin is a sprawling city, and as a whole isn’t considered one of the most walkable in America. But there are still some neighborhoods—like Downtown, West Campus, the University of Texas-Austin, and Central East Austin—that are easy to get around on foot, according to Walk Score.
At Lemonade Car, we reward low-mileage drivers with lower premiums. Austin drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts.
Because of that, we encourage you—whenever possible—to go out and about without your car.
How accessible are hybrid and electric vehicles in Austin?
As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.
A lot of Austin’s environmental policy focuses on the threat of industrial discharges and flood protection. However, the municipality also acknowledges the importance of pivoting away from fossil fuels. As laid out in the Austin Climate Equity Plan, the goal is for EVs to make up 40% of the total miles driven on Austin’s roads.
CapMetro is investing upwards of hundreds of millions of dollars for a gradual transition to all-electric buses. Even the Austin Independent School District plans to convert its entire fleet of buses from diesel to electric by 2035.
You can check out where your nearest EV charging stations are here.
At Lemonade Car, we support Austin drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.
Fast transportation facts about Austin
Austin isn’t just the capital city of Texas—it’s also a haven for those who love all things that move fast. Here are a few Austin-oriented transportation-centric tidbits:
The Austin Rock and Roll Car Museum
The Austin Rock and Roll Car Museum focuses on historical race cars, movie production cars, and musical history. Located just a 15-minute drive from downtown Austin, this little museum is a gem. Keep in mind before you head over, you’ll only be able to nerd out on the museum’s exhibitions on the first and third Saturday of every month from 10:00 am to 3:00 pm.
Austin Streetcars
You might not know it now, but once upon a time Austin was ruled by streetcars. For 65 years, trolleys were the main source of public transportation in Austin. Originally, the trolleys were pulled by mules, but became electrified in the late 19th century. You can read more about the history of Austin’s streetcars here.
Before we drive off into the sunset…
Austin drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on I-35!
Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.
Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car..
Let’s drive.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.
*https://www.valuepenguin.com/average-cost-of-insurance, Accessed April 2024.
