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How much is car insurance in Rockwall?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Rockwall will typically run you about $7 a month more than in the rest of Texas.
On the flip side, the expected monthly payments for an auto insurance policy in Rockwall are below the national average. It's around $8 less to insure your vehicle compared to the average rate for the United States as a whole.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down the average rate for Rockwall residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Rockwall Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Rockwall.
Rockwall Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in Rockwall totals about $17 per month. Based on the chart above, you can see that female drivers pay around $63 on average, while male drivers typically pay $80 each month.
Rockwall Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Rockwall with a single accident on their record is about $94 a month. Likewise, drivers with one ticket will be looking at a rate of around $88 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Rockwall Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$70|
The most affordable vehicles to insure in Rockwall are usually SUVs, which run about $59 per month.
Cars, trucks, and vans, on the other hand, usually cost about $75 for insurance coverage.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Rockwall are vehicles six-to-seven years old.
Rockwall Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Rockwall, the difference in rates based on relationship status can be as much as $23 a month.
Rockwall Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Rockwall. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Rockwall, TX
Recent trends in car insurance for Rockwall drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Rockwall had been increasing from 2017-2018, before steadying out in 2019. Rates rose again recently, hitting a high of $93 in 2022.
How does Rockwall compare to neighboring areas?
Why are car insurance rates in Rockwall different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Local laws
- Rate of crime
- Amount of drivers
- General road safety (how many accidents each locality has)
- Amount of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Rockwall?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering coverage in Rockwall.
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Rockwall Auto Insurance FAQs
What factors affect car insurance quotes in Rockwall?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Rockwall different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Rockwall?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Rockwall?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Rockwall or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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