Auto insurance
Multi-carrier quotes across Travis, Williamson and Hays, including SR-22 filings and rideshare endorsements for Austin drivers.
Travis · Williamson · Hays
An Austin agency that shows you where the numbers come from.
Austin is not one insurance market — Williamson County prices roughly $60–$90 a year below Travis for the same coverage. We publish the Texas Department of Insurance data for your county, then place you with a carrier that actually wants your profile.
3 counties covered
31 carriers compared
22k+ TX quotes analysed
Local 737 number
The local problem
Austin drivers are quoted on a state average that does not apply to them
Texas minimum coverage is 30/60/25. What you actually pay depends on your county, your vehicle, your record and your credit-based insurance score. Here is what the Texas Department of Insurance comparison tool returns for the three counties we work in.
| 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 |
Illustrative averages from public TDI filings, not quotes. Your premium depends on your own record, vehicle and carrier. Read the full Austin auto insurance guide →
What we write
Coverage for Austin households and businesses
Home & renters
Austin hail exposure and roof age drive most of the premium here. We check actual cash value vs replacement cost before you sign.
Commercial
General liability, BOP and commercial auto for Austin trades, restaurants, and the contractors working the growth corridor.
How it works
Three steps, and you keep the relationship
Tell us the vehicle or the property
Year, make, model, garaging ZIP and your current coverage. Two minutes on the phone is enough to price it properly.
We compare across carriers
Independent agency means we are not tied to one carrier. We check the markets that write your profile rather than the ones that advertise most.
You choose, we handle the paperwork
SR-22 filing, lender requirements, proof of coverage — handled. If a claim comes up, you call us, not a call centre.
Questions
What Austin clients ask first
Is Austin insurance more expensive than the rest of Texas?
Travis County runs modestly above the statewide median at every coverage level, and Williamson County runs below it. The gap between counties is real but smaller than the gap between carriers for the same driver.
Do I need SR-22?
Only if a court or DPS requires it after certain violations. It is a filing requirement, not a coverage type. We file it electronically and tell you exactly how long it has to stay in force.
Will you shop my home and auto together?
Yes. Most Austin carriers discount the bundle, but the discount is sometimes smaller than the difference between two separate carriers. We check both ways.
Do you write commercial policies for small businesses?
Yes — general liability, BOP and commercial auto. Austin contractors and restaurants are the most common.
Does Texas use credit-based insurance scoring?
Yes. It is often one of the largest single factors in an auto premium, and we will tell you what tier you are in before you buy.
Get an Austin quote from someone local
Call the 737 number and you reach a licensed agent, not a lead broker. Or email us and we will reply the same business day.