What Texas requires, and what Austin drivers buy
Texas sets a legal minimum of 30/60/25: $30,000 per injured person,
$60,000 per accident, $25,000 property damage. Most Austin drivers carrying a lien are
required by their lender to hold 100/300/100 instead, and most independent agents will
recommend uninsured/underinsured motorist coverage on top — Austin has a high uninsured rate.
County medians
The Texas Department of Insurance’s HelpInsure tool collects real filed rates for a
standardised driver and vehicle profile. Across 87 quotes per county and 31 carriers, this is
the median annual premium by coverage level:
| County | 30/60/25 (minimum) | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travis (Austin) | $859 | $859 | $1,029 |
| Williamson (Round Rock / Cedar Park) | $803 | $806 | $966 |
| Hays (Kyle / San Marcos) | $821 | $840 | $1,026 |
Two things stand out. First, Williamson County prices roughly $56–$63 a year
below Travis at every coverage level — the same driver, the same car, a different
county. Second, the jump from minimum coverage to 100/300/100 is only about
$170 a year in Travis, which buys roughly three times the liability
protection. That is usually the best value on the page.
What actually moves an Austin premium
- Credit-based insurance score. Texas permits it, and it is frequently the single largest factor after your record.
- Your record. One at-fault accident can move a Texas premium 40–60%.
- Garaging ZIP. Central Austin, Round Rock and Kyle are priced differently even within the same county.
- Vehicle. Repair cost and theft rate matter more than sticker price.
- Rideshare. If you drive for Uber or Lyft, your personal policy almost certainly excludes the commercial use. You need a rideshare endorsement or a commercial policy.
SR-22 in Texas
An SR-22 is not a type of insurance. It is a certificate your carrier files with the Texas
Department of Public Safety proving you carry the required minimum, usually for two years
after certain violations. Let it lapse and DPS can suspend the registration. We file it
electronically and tell you the exact end date.
How to get a real number
These are illustrative averages, not quotes. Call (737) 265-7967
with your vehicle, garaging ZIP and current coverage and we will price it across the carriers
that actually write your profile.