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How much is car insurance in Round Rock?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $4 a month cheaper to insure your vehicle in Round Rock than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Round Rock. It's around $20 less to insure your vehicle compared to the average rate for the United States as a whole.
Bear in mind that while these are the average car insurance rates for Round Rock, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't sweat it however, we've broken down average rates for Round Rock residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates start to rise again in Round Rock.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. Male and female drivers in Round Rock, however, both pay the same monthly amount for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Round Rock, a driving record with a single accident will usually get you a rate around $79 a month. In addition, drivers with a single ticket on their record can expect to pay around $119 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$58|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Round Rock, with drivers paying around $56 per month for auto insurance coverage.
Car owners, on the other hand, by and large pay around $61 per month, while SUV drivers can expect to pay about $58 a month for insurance coverage.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Round Rock, for example, are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The cost of auto insurance in Round Rock reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Round Rock. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Round Rock, TX
Recent trends in car insurance for Round Rock drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance coverage in Round Rock dropped from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $55 per month
How does Round Rock compare to neighboring areas?
Why are car insurance rates in Round Rock different from other areas?
Car insurance companies look at a lot of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (frequency of car accidents)
- Number of drivers in the area
- Local laws
- Off-street parking availability
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Round Rock?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Round Rock.
Round Rock Insurance FAQs
What factors affect car insurance quotes in Round Rock?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Round Rock different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Round Rock?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Round Rock?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Round Rock or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.