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How much is car insurance in Rockwall?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Rockwall are about $5 a month more expensive than the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Rockwall is rather affordable. Car insurance rates for the U.S. as a whole are, on average, $11 more expensive than the rates you'd pay in Rockwall.
Although these are the average rates for auto insurance in Rockwall, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $59 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Rockwall.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Rockwall, where women pay around $13 less per month than men. As illustrated in the table above, male drivers in the area pay about $75 on average, while female drivers pay around $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Rockwall with a single accident will pay around $90 a month. In addition, drivers with one ticket can expect to pay around $92 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$66|
In terms of affordable coverage, the cheapest vehicles to insure in Rockwall are usually SUVs, at $58 per month.
Car owners will see rates of about $70, while truck and van owners by and large pay around $76 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Rockwall, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Rockwall is no exception, with the difference totaling to around $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Rockwall, expect to pay around $13 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Rockwall, TX
Recent trends in car insurance for Rockwall drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Rockwall, car insurance rates have been steadily increasing, reaching a high of $79 in 2021.
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 coverage, car insurance companies will review several factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Road Safety (total number of local car accidents)
- Number of drivers
- Local laws
- Crime rates
- Off-street parking access
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies providing coverage in Rockwall.
Rockwall Insurance FAQs
What factors affect car insurance quotes in Rockwall?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Rockwall different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Rockwall or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.