Rowlett, TX Car Insurance

On average, Rowlett drivers pay a monthly average rate of around $71 for their car insurance. To learn more about policy rates and coverage in the Rowlett area, continue reading our guide below.
What should residents of Rowlett expect to pay for their car insurance? How does Rowlett compare to the surrounding area and the rest of Texas? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Rowlett?

Area Average Monthly Car Insurance Premium
Rowlett$71
TX$65
United States$81

As you can tell from the chart above, the cost of coverage in Rowlett is about $6 a month more expensive than the rest of Texas.

On the other hand, car insurance rates in Rowlett are often favorable when viewed against the rest of the country. It's about $10 cheaper than the national average to insure your vehicle in Rowlett.

Although these are the average car insurance rates in Rowlett, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down average rates for Rowlett to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$112
25-34$63
35-44$63
45-54$54
55-64$52
65+$56

Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Rowlett.

Average Car Insurance Rates by Gender

Gender Average
Male$73
Female$70

In general, women pay slightly less for car insurance than men. In Rowlett, although women do pay a bit less on their monthly auto coverage, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$82
Multiple Accidents$109
1 Ticket$94
Multiple Tickets$109

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. Drivers in Rowlett with one accident will pay around $82 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $94 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$70
4-5 Years$61
6-7 Years$80
8-10 Years$75
11-14 Years$74
15 Years or Older$68

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Rowlett, with drivers paying around $67 per month for auto insurance coverage.

Cars and SUVs, however, usually cost about $72 for auto insurance.

Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Rowlett are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$79
Married$60
Divorced$57
Widowed$56

On average, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Rowlett can be as much as $19 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$69
Live with parents$111

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $9 a month more than homeowners in Rowlett. Those who live with their parents, however, can expect to pay a lot more.

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 overall costs.

Car Insurance Companies in Rowlett, TX

Recent trends in car insurance for Rowlett drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

Car insurance rates in Rowlett declined from 2017-2018, before leveling out in 2019. They finished down in 2022, at $64 a month

How does Rowlett compare to neighboring areas?

Why are car insurance rates in Rowlett different from other areas?

There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Off-street parking availability
  • Crime
  • Total number of drivers in the area
  • Road Safety (frequency of local car accidents)
  • Local laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Rowlett?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Rowlett.

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Rowlett Insurance FAQs

What factors affect car insurance quotes in Rowlett?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Rowlett different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Rowlett?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Rowlett?

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. 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 Rowlett 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?

Find your best rate in just a few minutes