Round Rock, TX Car Insurance

The average cost of car insurance in Round Rock is $111 per month. Are you paying too much?

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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 Average National 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.

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 Company Average 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 50s, who pay an average of $1,169 per year. Drivers in their 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 bracket Average 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.

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 Status Average Yearly Rate
Female $1,336
Male $1,343
Single $1,343
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 $757 per year in insurance premiums.

 
ROUND ROCK CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/Violation Average 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 Tier Average Annual Rate
Very Poor $2,813
Fair $1,667
Good $1,343
Very Good $1,246
Exceptional $1,106
 

Learn more about how your credit score might impact your auto insurance rates.

Compare auto insurance rates online today.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.