Round Rock Car Insurance

The Zebra
May 30, 2018

Car Insurance in Round Rock

Round Rock premiums are 6% less than Texas' average, which is why the city is known for its inexpensive premiums, so it is especially important to save while insuring a vehicle in Round Rock. Let’s take a look at how to save on car insurance in Round Rock.

  • City Average: $1,700
  • State Average: $1,810
  • National Average: $1,427

Round Rock Car Insurance by Age

With average rates of $5,471, teenage drivers pay the most in car insurance premiums. When Round Rock drivers hit their 20s, therefore moving out of the teenage age range, they pay $3,408 less in premiums, which is the most change you'll see between any age group. When drivers turn 60, they will experience a rate increase related to their age for the first time. Looking across all age groups, drivers in their 50s tend to have the smallest payments. Their rates usually average $1,451 per year. However, those in their 60s ($1,516) have premiums that aren't much higher.

  • Teenagers: $5,471
  • 20s: $2,063
  • 30s: $1,675
  • 40s: $1,621
  • 50s: $1,451
  • 60s: $1,516
  • 70s: $1,887

Round Rock Car Insurance by Credit Rating

Improving your credit can save you a good amount of money. Those in the top credit tier (800-850) save an average of 52% every year on premiums compared to those in the bottom tier (300-579). In terms of percent change, the largest benefit of better credit comes from upgrading from Very Good (740-799) to Exceptional (800-850), by which drivers can save nearly 20% per year.

  • Very Poor: $2,957
  • Fair: $2,504
  • Good: $2,080
  • Very Good: $1,757
  • Exceptional: $1,409

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Round Rock Car Insurance by Accident or Violation History

Do you have a history of accidents or violations? That can cost you in terms of premiums. Normally, a DUI in Round Rock will cost you 41% more in car insurance premiums versus the city average ($1,700). Reckless driving will also push your premiums up, with average rates of $2,353, which are 38% higher than the city average. No one plans on being in an accident, but stuff happens, so be aware of what one can do to your rates. Being at-fault in an accident costs drivers an extra 50% per year in premiums compared to the city average.

  • DUI: $2,405
  • Reckless Driving: $2,353
  • At-fault Accident (damages less than $1000): $2,546
  • At-fault Accident (damages greater than $2000): $2,546
  • Speeding Ticket (16-20 mph over speed limit): $1,767

Round Rock Car Insurance by Gender and Marital Status

A lot of driver attributes, including gender and marital status, can influence car insurance premiums in Round Rock. Believe it or not, marital status has a substantial impact on premiums. You can save roughly 10% per year if you're married as opposed to single. Rates for those who are widowed are also significantly cheaper than rates for those who are single. Premiums are barely more costly for men. Men generally pay $17 more than women every year for insurance.

  • Female: $1,683
  • Male: $1,700
  • Single: $1,700
  • Married: $1,531
  • Divorced: $1,700
  • Widowed: $1,538