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How much is car insurance in Rowlett?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Rowlett is about $7 a month more expensive than the rest of Texas.
If you're thinking of moving to Rowlett from out of state, you may still be in luck. It's about $8 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. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Rowlett residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Rowlett Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $58 more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to go back up in Rowlett.
Rowlett Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Rowlett, although women do pay slightly less on their monthly auto coverage, the price is about the same for either group.
Rowlett 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. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Rowlett, a driving record with a single accident will usually get you a rate around $89 a month. Likewise, drivers with one ticket will be looking at a rate of around $102 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Rowlett Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$71|
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 $66 per month for insurance coverage.
SUV drivers will see rates of about $74 for auto insurance coverage, while car owners usually pay around $73 a month.
You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Rowlett, the most expensive vehicles to insure are vehicles six-to-seven years old.
Rowlett Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Rowlett can be as much as $20 a month, so it's worth keeping that in mind.
Rowlett Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Rowlett. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
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 auto insurance policy.
In Rowlett, auto insurance rates had been decreasing from 2017-2018, but leveled out in 2021. Rates have been increasing since then, and recently reached a high of $81 per month in 2022.
How does Rowlett compare to neighboring areas?
Why are car insurance rates in Rowlett different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Rate of car accidents
- Amount of off-street parking
- Local laws
- Number of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Rowlett?
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.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Rowlett.
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Rowlett Auto Insurance FAQs
What factors affect car insurance quotes in Rowlett?
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, marital status, and address.
Why is the cost of car insurance in Rowlett 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 crime rates, parking situations, 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 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?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Rowlett 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.
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