Round Rock, TX Car Insurance

How much does car insurance cost in Round Rock?


The typical Round Rock driver pays $1,343 per year for car insurance. That's cheaper than the average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to Round Rock car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


AUTO INSURANCE COSTS: ROUND ROCK VS. STATE AND US AVERAGES
Round Rock Average (yearly)Texas AverageNational Average
$1,343$1,415$1,548

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Round Rock auto insurance rates by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, USAA offers Round Rock's most affordable premiums. We've gathered the best cheap car insurance companies in Round Rock below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


ROUND ROCK AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
USAA$1,130
GEICO$1,134
State Farm$1,257
Allstate$2,277

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Round Rock

The age group that enjoys the lowest auto insurance rates in Round Rock are drivers in their age_50s, who pay an average of $1,169per year. Those in their age_60s don't pay significantly more ($1,212).

Teen drivers pay Round Rock's most expensive auto insurance rates. When drivers hit their 20s in Round Rock and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Round Rock is $1,709. That's the biggest gap in premiums between any pair of age brackets.


ROUND ROCK CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teens$3,460
20s$1,751
30s$1,322
40s$1,289
50s$1,169
60s$1,212
70s$1,499

Learn more about the impact of age on auto insurance rates.



Round Rock auto insurance rates by marital status and gender


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Round Rock pay $89 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Round Rock, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Round Rock, the gap in average auto insurance premiums between genders is $7 per year, with male drivers paying more than female drivers.


INSURANCE RATES IN ROUND ROCK BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,336
Male$1,343
Single$1,254
Married$1,254
Divorced$1,343
Widowed$1,223

Read more about the relationships between gender, marital status and insurance rates.



Round Rock car insurance costs by citation and accident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Round Rock drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $740 per year versus the city average. A ticket for speeding results in a $111 rate hike, on average, while a DUI violation costs $757per year in insurance premiums.


ROUND ROCK CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Annual Rate
DWI/DUI$2,100
Reckless Driving$2,083
At-fault Accident (damages < $1,000)$1,715
At-fault Accident (damages greater than $2,000)$2,042
Speeding Ticket (16-20 mph over speed limit)$1,454

Get more info on how a bad driving history can impact your car insurance costs.



Round Rock car insurance rates by credit level


It's no secret credit score is closely correlated with auto insurance rates. Round Rock drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their auto insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Round Rock, improving your credit to "Fair" corresponds with a $1,146 decrease in annual car insurance rates.


ROUND ROCK CAR INSURANCE PREMIUMS BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$2,813
Fair$1,667
Good$1,343
Very Good$1,246
Exceptional$1,106

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.