Best Auto Insurance Rates in Georgetown, Texas

On average, your neighbors pay $77 a month.

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Georgetown, Texas, has been known as the “Red Poppy Capital of Texas” for the past 26 years. Why? Georgetown is one of the only places in the US where red poppies reseed themselves from year to year. In honor of that, the city holds an annual Red Poppy Festival that has grown as popular as the plant itself. Something that doesn’t have to grow like a weed if you call Georgetown home: your car insurance rates.

Average Georgetown Car Insurance Rates

How much is car insurance in Georgetown, TX? Auto insurance in Georgetown can be expensive. In fact, much of Texas has higher than normal car insurance rates. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices will vary depending on your driving record and the total number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both top national companies and local agents. Comparing quotes can help you find cheap car insurance rates near Georgetown, Texas and and save up to 40% on your premium.

Last year, 1,576 people used QuoteWizard to compare auto insurance quotes in Georgetown, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Georgetown, TX

Here are the most common car insurance companies reported by QuoteWizard users living in Georgetown, Texas last year. Only 45 were not insured when they requested a quote.

Other popular car insurance companies that serve Georgetown, Texas: 21st Century, AIG, Allied Group, American Family, Amica Mutual, Country Financial, and Erie.

Top 10 Vehicles in Georgetown

These are the most common car makes and models owned by Georgetown, TX drivers who requested quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX
  3. Chevrolet C1500 Silverado
  4. Chevrolet Equinox LT
  5. Ford F150 Supercrew
  6. Lexus RX350
  7. Dodge Ram 1500
  8. Toyota Prius
  9. Kia Soul
  10. Honda CR-V EX
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Minimum Car Insurance Requirements in Georgetown, TX

Georgetown, Texas, has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total amount your insurance company will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

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Weather

Georgetown is a warm and humid city. It has long, hot summers and no dry season. Residents here get to bask in 228 sunny days (give or take a few) each year. Also, it’s not unusual for high temperatures in summer to approach 100 degrees. With all of the moisture and humidity in the air, heavy rains and flash floods can be a serious problem in this area. Thunderstorms often produce hail, some of it damaging. One upside to Georgetown’s weather: it almost never freezes or snows.

Road Conditions

TRIP reports that Austin drivers waste as much as $706 a year on fuel, time, and car repairs due to the large number of potholes and ruts, as well as the rough street conditions. Also, 28% of the region’s major roads are in poor condition and need immediate repair. Another 62% of roadways are rated mediocre. Because Georgetown is located just 30 miles away from Austin, the two cities have similar road conditions.

Traffic Congestion

Traveling along Interstate 35 can be stressful for Georgetown residents. This highway sees a lot of traffic congestion from Austin all the way to San Antonio. According to TomTom's annual traffic index report, Austin is the 21st worst city in the US for traffic congestion. The average driver spends an extra 30 minutes per hour and 115 hours a year stuck in traffic during rush-hour commutes that last at least 60 minutes.

To ease congestion in this area, the Federal Highway Administration partnered with The Lone Star Rail District to construct a light rail system that would cover 120 miles between Georgetown and San Antonio. Such a system would go a long way toward alleviating traffic on I-35.

Moving Violations

Moving violations like speeding, failure to yield, at-fault accidents, or drunk driving will give you a bad driving record and raise your rates.

Traffic Tickets

The City of Georgetown Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DWI Insurance

If you've been convicted of a DWI and need to obtain an SR-22 form, request a quote. We'll connect you with local insurance agents from top insurance companies that specialize in Georgetown DWI insurance.

Car Accident Statistics

Georgetown officials reported 953 car crashes in 2016. These crashes resulted in 279 injuries, 24 of them incapacitating.

DWI Crashes and Injuries

Georgetown reported 29 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 367 injuries and one fatality.

Traffic Fatalities

Georgetown experienced three fatal collisions in 2016 resulting in three deaths in motor vehicle crashes.

This works out to a fatality rate of 4.46 per 100,000 residents. All traffic deaths are a tragic loss, and considering Georgetown's estimated population of 67,140, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Georgetown reported 36 vehicle thefts in 2016. This is a rate of 0.57 per 1,000 residents, well below the national rate of 2.20 stolen cars per 1,000 people.

Save With Car Insurance Discounts

If you want to find the affordable car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to driver in Georgetown, TX. Get a free quote to find out which discounts you may qualify for.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. If you are 55 or older you may qualify for the senior discount or the 55 and retired discount
  3. Maintain at least a B grade point average in school to qualify for the good student discount
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  7. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  8. Bundle your auto policy. Bundling insurance policies and vehicles together can knock 15% off your premium
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare low-cost Georgetown car insurance quotes

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