EZ Insurance Agency helps you save BIG on auto, home, and commercial insurance
EZ Insurance Agency makes it easy to SAVE BIG on car insurance with the best rates in Austin, Texas. We can help you find the lowest rates on Texas Auto Insurance, Home Insurance and Health Insurance.
Get an INSTANT ONLINE QUOTEAustin drivers, as well as customers from the surrounding areas, have chosen EZ Insurance to save money on car insurance for over 20 years. You will be glad you called EZ Insurance if you are looking for cheap insurance rates, with discounts up to 35% on car insurance, as well as commercial insurance for your business or same-day SR-22 filings.
Compare Texas coverage, pricing, and savings side-by-side. Every card shows the data that matters most to Austin drivers, homeowners, and business owners.
Save up to 35%Minimum Texas liability from $29/mo. Full coverage quotes from 30+ carriers in 2 minutes.
Most PopularReplacement-cost coverage for Travis County homes. Bundle with auto and save up to 25%.
BusinessBOP, general liability, and commercial auto for Austin businesses. Certificates in 24 hours.
We're not just an insurance agency β we're your neighbors
We know Austin roads, Austin weather, and Austin drivers. We find coverage that fits your specific needs.
No long waits or confusing paperwork. We make insurance simple, fast, and hassle-free.
We shop multiple carriers to find you the lowest rates. Free quotes with no obligation.
3 locations across Austin. Call, text, or stop by. We're always ready to help.
Watch our 60-second story: 20+ years serving Austin, 30+ carriers, 4 convenient locations, and the personal service you deserve.
Avoid a ticket in the mail. The TexasSure program is in full force.
TexasSure, the vehicle insurance verification program, came about when the Texas Legislature directed the Texas Departments of Insurance, Public Safety, Motor Vehicles, and Information Resources to develop a system to reduce the number of uninsured motorists. Working together, the agencies have compiled a database that connects every registered vehicle in the state by its license plate, vehicle identification number (VIN), and liability insurance policy. That means that law enforcement officers and tax assessor-collectors can immediately access the database and verify if you are driving without insurance.
In Texas, 20% of the vehicles on our roads have no insurance coverage. That's 1 in every 5 cars and trucks. Law-abiding Texans are paying an estimated $1 billion annually in optional insurance coverage to protect themselves against uninsured and underinsured motorists.
Got insurance? Great, you're good to go and there's nothing else you need to do.
Driving without insurance? The TexasSure program will put an end to the days of uninsured motorists, drivers dropping coverage after receiving a valid insurance card, and fraudulent insurance cards. So, get insured!
Stop by any of our Austin offices for in-person service
4011 S. 1st St.
Austin, TX 78745
Just south of Ben White Blvd.
7600 N. Lamar Suite E
Austin, TX 78752
South of 183, across from Tejano Ranch
6401 S. 1st St.
Austin, TX 78745
Convenient South Austin location
If you are searching for cheap car insurance in Austin TX, you have come to the right place. EZ Insurance Agency is a locally owned, Texas-licensed insurance agency that has been helping Austin drivers, homeowners, and business owners save money on insurance for over 20 years. We are not a 1-800 call center or an online-only algorithm. We are a real, brick-and-mortar insurance agency in Austin, Texas with three convenient locations, licensed agents, and relationships with more than 30 top-rated insurance carriers – and we put that buying power to work for you on every single quote.
Whether you typed car insurance Austin, cheap auto insurance Austin, or auto insurance Austin TX into your search bar today, our promise is the same: you will get a transparent quote, an honest recommendation, and the lowest rate we can find from a carrier that actually pays claims. That is what we have built our reputation on since we opened our doors, and that is what keeps Austin families coming back year after year.
Unlike single-line agencies that only write auto or only write home, EZ Insurance Agency is a full-service insurance agency in Austin TX. That means one call, one agent, and one policy review covers your entire life. We currently write five core lines of business, plus specialty coverage through partner carriers.
Texas law requires every driver to prove financial responsibility before operating a motor vehicle, and Austin drivers face unique risks: heavy I-35 and MoPac traffic, hail-prone spring storms, and one of the highest uninsured-driver rates in the country. Our auto insurance Austin TX policies are built to handle all of that. We shop liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), rental reimbursement, and roadside coverage from 30+ carriers including Progressive, GEICO, Travelers, Nationwide, Dairyland, Bristol West, and the Auto-Owners family. Most Austin drivers who switch to us save an average of $600 per year, and our minimum-liability policies start as low as $87 per month for qualified drivers.
Austin home values have climbed sharply since 2020, and rebuilding costs have climbed with them. A standard HO-3 policy through EZ Insurance Agency covers your dwelling, other structures, personal property, liability, and additional living expenses at replacement cost. We also write HO-6 condo policies, HO-4 renters insurance, DP-1 and DP-3 landlord policies, and standalone flood insurance for properties in Travis, Hays, Williamson, and Bastrop County flood plains. Bundling your home policy with your auto policy is typically the single biggest discount available – most customers save 20 to 30 percent overall.
From food trucks on South Congress to general contractors working the Hill Country build-out, Austin small businesses trust us with their commercial lines. We write Business Owners Policies (BOP), general liability, commercial auto, workers compensation, commercial property, professional liability (E&O), cyber liability, and umbrella/excess coverage. Personal auto policies almost never cover business use, so if you or your employees drive for work – even occasionally – talk to us before your next renewal.
If you have been notified by Texas DPS that you need an SR-22 insurance Austin filing – usually after a DUI, an at-fault accident without insurance, a driving-while-license-invalid citation, or too many points – we can help. We file SR-22 certificates the same day in most cases, work with high-risk carriers that specialize in non-standard drivers, and can set you up on a non-owner SR-22 even if you do not currently own a vehicle. Texas requires you to maintain SR-22 for two years from the date of conviction, and we monitor your certificate so you never accidentally lapse.
Your U.S. auto policy stops at the border. If you are driving to San Miguel de Allende, CancΓΊn, Monterrey, or anywhere else in Mexico, you need a policy issued by a licensed Mexican insurer. EZ Insurance Agency writes Mexico auto insurance policies starting at around $10 per day for liability-only coverage, with full-coverage options for vehicles crossing the border. We email the policy in minutes, and it is accepted at every U.S. - Mexico port of entry.
There is a big difference between buying insurance from a captive agent (State Farm, Allstate, Farmers) who can only quote you one company, buying online from a direct carrier (GEICO Direct, Progressive Direct) where you never speak to a real person, and working with an independent agency like EZ Insurance. Here is how we stack up:
| What you get | EZ Insurance Agency | Captive Agent | Online Direct |
|---|---|---|---|
| Carriers shopped on every quote | 30+ | 1 | 1 |
| Licensed Texas agent you can call | Yes | Yes | No |
| Same-day SR-22 filing | Yes | Sometimes | No |
| Mexico auto insurance | Yes | No | Sometimes |
| Claims advocacy (we call the carrier for you) | Yes | Sometimes | No |
| Average customer savings | $600/yr | – | – |
| BBB rating | A+ | A+ | A or B |
| Google customer rating | 4.7β (159+ reviews) | Varies | Varies |
The bottom line: a captive agent has one menu. An online direct site has no advocate when a claim goes wrong. EZ Insurance Agency has 30+ menus, a real Texas-licensed agent on the phone, and a 4.7-star Google rating from more than 159 verified Austin customers who have stayed with us because we deliver.
The short answer: it depends on your driving record, the vehicle, your address, your coverage limits, and the discounts you qualify for. As a ballpark, here is what we see every week for Austin drivers:
The fastest way to get your real number is to call (512) 444-4445 or stop by any of our three Austin locations. Most quotes take under 10 minutes, and there is never an obligation to buy.
We are a local, brick-and-mortar insurance agency in Austin – not a call center. Stop in, sit down with a licensed agent, and walk out with proof of insurance in hand.
3601 S Congress Ave, Austin, TX 78704
Just south of Ben White Blvd. with extended office hours.
Phone: (512) 444-4445
13010 W Hwy 71, Bee Cave, TX 78738
Serving Bee Cave, Lakeway, Dripping Springs, and the FM 620 corridor.
Phone: (512) 444-4445
7600 N Lamar Blvd Suite E, Austin, TX 78752
Just south of Hwy 183, across from Tejano Ranch.
Phone: (512) 444-4445
Average car insurance in Austin runs $1,400 to $2,200 per year for a clean-record driver with full coverage. State-minimum liability policies can start as low as $87 per month. Your actual rate depends on your age, driving history, vehicle, ZIP code, and the coverage limits you choose. EZ Insurance Agency shops 30+ carriers to make sure you are not overpaying.
Texas requires an SR-22 filing after a DUI, an at-fault accident without insurance, a driving-without-license conviction, or an accumulation of points that triggers a license suspension. The state requires you to maintain SR-22 for two years from the date of conviction. EZ Insurance Agency files SR-22 the same day in most cases and monitors your certificate so it never accidentally lapses.
Texas minimums are 30/60/25 – that is $30,000 per person bodily injury, $60,000 per accident bodily injury, and $25,000 property damage. Minimums are legal, but they only cover the other driver and only up to a low limit. With Austin’s heavy traffic, hail risk, and roughly 14 percent uninsured drivers on the road, most of our customers choose 100/300 or 250/500 liability plus uninsured-motorist coverage to protect themselves.
Yes. Bundling is the single biggest discount most Austin customers can claim. Most households that combine their auto and home (or renters) policy save 20 to 30 percent on their total premium. We also stack multi-vehicle, safe-driver, good-student, paid-in-full, and paperless discounts on top of the bundle.
Yes. Your U.S. auto policy does not cover you south of the border, and Mexico legally requires liability insurance from a Mexican-licensed carrier. EZ Insurance Agency issues Mexico auto insurance policies by email in minutes, with daily, weekly, and 6-month terms available. Policies are accepted at every U.S. - Mexico port of entry.
You are not uninsurable. EZ Insurance Agency works with high-risk and non-standard carriers (Dairyland, Bristol West, Foremost, The General, and more) that specialize in drivers other agencies turn away. Whether you have a recent lapse, a Chapter 7 bankruptcy, a first-time DUI, or no prior insurance at all, we can almost always find a path to coverage.
Most customers are covered the same day they call or visit. We email your ID cards, set up your payment plan, and – if you need an SR-22 – file the certificate with Texas DPS before you leave the office. If you buy online, you can have proof of insurance in your inbox in under 15 minutes.
Three reasons. First, a real Texas-licensed agent can spot coverage gaps that an online quote engine will not flag. Second, when you have a claim, you call us and we call the carrier with you – you are not stuck on a 1-800 hold queue during the worst week of your year. Third, our 30+ carrier relationships let us price-shop in a way no single direct carrier can match, and our 4.7-star Google rating from 159+ Austin customers is the receipt.
Get a free, no-obligation quote in under 10 minutes. Call (512) 444-4445, visit any of our three Austin locations, or start an instant online quote using the button at the top of this page. EZ Insurance Agency is licensed in Texas, BBB A+ rated, and proud to be one of the most trusted independent insurance agencies in Austin for over 20 years.