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How much is car insurance in Round Rock?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Texas, coverage in Round Rock is about $4 a month cheaper.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Round Rock is rather affordable. You can expect to pay about $19 less for your policy in Round Rock than in the rest of U.S.
These rates may be the average amount Round Rock drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Round Rock and broken down the different factors to help you understand what your policy's monthly premium will be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Round Rock Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Round Rock.
Round Rock Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The price to insure your car in Round Rock, however, is about the same for either group.
Round Rock Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. 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 $76 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Round Rock Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$60|
The cheapest vehicles to insure in Round Rock are usually SUVs, with each type typically costing about $56 per month.
Truck and van drivers will see rates of about $57 to insure their car, while car owners typically pay around $63 a month.
Your vehicle's age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Round Rock, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Round Rock Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
In Round Rock, the difference in rates based on relationship status can be as much as $18 a month.
Round Rock Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Round Rock. 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 Round Rock, TX
Recent trends in car insurance for Round Rock 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.
In Round Rock, the rates for car insurance rose from 2017-2018, before leveling out in 2019. Rates went up again, reaching a high of $65 in 2021, and finished down at $61 in 2022.
How does Round Rock compare to neighboring areas?
Why are car insurance rates in Round Rock different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Number of car accidents
- Regional crime rates
- Amount of off-street parking
- Regional regulations
- Total number of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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?
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.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Round Rock.
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Round Rock Auto Insurance FAQs
What factors affect car insurance quotes in Round Rock?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Round Rock different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Round Rock?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Round Rock?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Round Rock 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.
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