Table of contents
How much is car insurance in Rockwall?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in Rockwall than it is in the rest of Texas.
Compared to the national average cost of auto insurance coverage, Rockwall has lower rates. The average monthly payment for the United States as a whole is about $10 more expensive than in Rockwall.
While these are the average car insurance rates for Rockwall, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
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 your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $65 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Rockwall.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Rockwall, the difference comes out to about $16 per month. As you can see in the table above, male drivers in the area typically pay $79 on average, while female drivers typically pay $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Rockwall, a driving record with a single accident will usually get you a rate around $93 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $85.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$68|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Rockwall, with drivers paying around $59 per month for auto insurance coverage.
Car owners will see rates of about $74, while truck and van owners usually pay around $72 a month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. 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)||$80|
More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Rockwall reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $25 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor that comes into play is your living situation. If you rent your home or apartment in Rockwall, expect to pay around $19 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Rockwall, TX
Recent trends in car insurance for Rockwall drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Rockwall have been steadily increasing, reaching a high of $97 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 many factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking accessibility
- Local crime rates
- Amount of drivers in the community
- Local laws
- General road safety (how many accidents each locality has)
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Rockwall?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Rockwall.
Rockwall Insurance FAQs
What factors affect car insurance quotes in Rockwall?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Rockwall different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Rockwall or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.