Cheapest and Best Car Insurance in Round Rock, TX (August 2024)


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Updated: October 3, 2024

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Your preferences and needs should be considered when looking for the best car insurance policy. Texas Farm Bureau offers Round Rock, Texas, the cheapest minimum and full coverage car insurance. For families with teens, Nationwide is the most cost-effective option, while Chubb is the best overall car insurance that balances top-tier service and value.

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2024

Cheapest and Best Car Insurance in Round Rock

Why Trust MoneyGeek? We analyzed 328,384 quotes, six sources and original research in Texas from 14 companies to rate the cheapest companies and develop a scoring system for Round Rock insurance providers based on ZIP codes in the city. We score them on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Round Rock, TX, as of August 2024.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Round Rock

MoneyGeek found that Texas Farm Bureau offers Round Rock drivers the most affordable minimum coverage car insurance.

  • Texas Farm Bureau: $292 per year
  • State Farm: $433 per year

In stark contrast, Dairyland has the most expensive minimum coverage policy, with an annual premium of $2,057. When there's a significant gap between the cheapest and the most expensive, comparing car insurance rates is vital to securing the best financial deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Texas Farm BureauAnnual Premium$292Monthly Premium$24
State FarmAnnual Premium$433Monthly Premium$36
MercuryAnnual Premium$442Monthly Premium$37
ProgressiveAnnual Premium$590Monthly Premium$49
AAA TexasAnnual Premium$646Monthly Premium$54
National GeneralAnnual Premium$703Monthly Premium$59
AllstateAnnual Premium$736Monthly Premium$61
ChubbAnnual Premium$758Monthly Premium$63
GEICOAnnual Premium$839Monthly Premium$70
NationwideAnnual Premium$929Monthly Premium$77
ForemostAnnual Premium$1,105Monthly Premium$92
DairylandAnnual Premium$2,057Monthly Premium$171

State Minimum Liability Requirements

For drivers in Round Rock, minimum car insurance coverage is mandated by Texas law:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $25,000 property damage liability per accident

Suppose you're carrying minimum coverage and got involved in an accident that caused $45,000 in bodily injury to one person. Your insurance would cover up to $30,000, with the remaining $15,000 coming out of your pocket. Going beyond the mandated limits can mean less worry about your finances post-accident.

Cheapest Full Coverage Car Insurance in Round Rock

MoneyGeek found that Texas Farm Bureau has the cheapest full coverage car insurance in Round Rock.

  • Texas Farm Bureau: $645 per year
  • State Farm: $953 per year

Dairyland has the most expensive full coverage policy at $3,913 annually — a difference of $3,268 from Texas Farm Bureau's rate. Due to its comprehensive protection, full coverage car insurance costs more than minimum coverage, but it's important to compare rates when choosing insurers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$645Monthly Premium$54
State FarmAnnual Premium$953Monthly Premium$79
ProgressiveAnnual Premium$1,167Monthly Premium$97
AAA TexasAnnual Premium$1,330Monthly Premium$111
AllstateAnnual Premium$1,438Monthly Premium$120
National GeneralAnnual Premium$1,446Monthly Premium$120
GEICOAnnual Premium$1,475Monthly Premium$123
MercuryAnnual Premium$1,546Monthly Premium$129
ChubbAnnual Premium$1,605Monthly Premium$134
NationwideAnnual Premium$1,659Monthly Premium$138
ForemostAnnual Premium$2,260Monthly Premium$188
DairylandAnnual Premium$3,913Monthly Premium$326

Do You Need Full Coverage in Texas?

A full coverage policy includes coverage for damage to your vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another car or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, are on a lease or have a car loan, you are required to have full coverage insurance. However, for older models, the additional expense of extensive coverage might provide little value for money. Know how much car insurance you need by balancing the benefits of comprehensive protection and the cost of higher premiums.

Cheapest Car Insurance in Round Rock After a Driving Offense

MoneyGeek found that the cheapest company for drivers with a poor driving record in Round Rock is Texas Farm Bureau:

  • Speeding Ticket: $645 per year
  • At-Fault Accident: $1,062 per year
  • DUI: $1,221 per year

Dairyland consistently ranks as the most expensive option. Its annual rates differ significantly between incidents, with the cheapest policy after a speeding ticket being $645 and $1,221 after a DUI; the difference underscores how the severity of the violation impacts insurance premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Texas Farm BureauAnnual Premium$645Monthly Premium$54
State FarmAnnual Premium$953Monthly Premium$79
AllstateAnnual Premium$1,438Monthly Premium$120
ProgressiveAnnual Premium$1,509Monthly Premium$126
GEICOAnnual Premium$1,716Monthly Premium$143
AAA TexasAnnual Premium$1,721Monthly Premium$143
ChubbAnnual Premium$1,810Monthly Premium$151
NationwideAnnual Premium$1,921Monthly Premium$160
National GeneralAnnual Premium$1,930Monthly Premium$161
MercuryAnnual Premium$2,212Monthly Premium$184
ForemostAnnual Premium$2,667Monthly Premium$222
DairylandAnnual Premium$4,885Monthly Premium$407

In cities like Round Rock, the gravity of the driving violation increases the risk insurers face, leading to higher rates. For instance, drivers with a DUI can expect an annual rate of $3,266, while those caught speeding might see around $2,651. Drivers with infractions must diligently compare insurance rates to secure the most affordable coverage.

Cheapest Car Insurance in Round Rock for Teens and Their Families

MoneyGeek found that Nationwide is the cheapest car insurance for teens and families in Round Rock.

  • Nationwide: $1,327 per year for female teens and $1,513 per year for male teens
  • State Farm: $1,731 per year for female teens and $2,093 per year for male teens

These policy rates cover two parents and a teenager. Allstate's annual premium is the most expensive, with female teens quoted at $5,945. This stark difference of $4,618 compared to Nationwide, plus teenagers being considered higher-risk drivers, highlights the need to shop to lessen family auto insurance costs.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,327Individual Plan Monthly Premium$3,285
State FarmFamily Plan Annual Premium$1,731Individual Plan Monthly Premium$2,431
GEICOFamily Plan Annual Premium$2,262Individual Plan Monthly Premium$3,131
ProgressiveFamily Plan Annual Premium$3,189Individual Plan Monthly Premium$9,505
ForemostFamily Plan Annual Premium$3,336Individual Plan Monthly Premium$9,430
AllstateFamily Plan Annual Premium$5,945Individual Plan Monthly Premium$6,914

Teen car insurance costs are lower when covered under a family policy. The average annual premium for individual teen insurance is a steep $6,491 but only $3,330 when incorporated into a family plan. Obtaining an individual policy is also challenging for teen drivers because they are deemed high-risk. Insurers prefer the shared risk and established history present in family plans.

Cheapest Car Insurance in Round Rock for Military Drivers

MoneyGeek found that Texas Farm Bureau offers the most affordable full coverage car insurance for those with military backgrounds in Round Rock.

  • Texas Farm Bureau: $644 per year
  • State Farm: $953 per year

It is worth noting that USAA comes in third place with an annual premium of $974. USAA is renowned for its exceptional service, catering to active-duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$645Monthly Premium$54
State FarmAnnual Premium$953Monthly Premium$79
USAAAnnual Premium$974Monthly Premium$81
ProgressiveAnnual Premium$1,167Monthly Premium$97
AAA TexasAnnual Premium$1,330Monthly Premium$111
AllstateAnnual Premium$1,438Monthly Premium$120
National GeneralAnnual Premium$1,446Monthly Premium$120
GEICOAnnual Premium$1,475Monthly Premium$123
MercuryAnnual Premium$1,546Monthly Premium$129
ChubbAnnual Premium$1,605Monthly Premium$134
NationwideAnnual Premium$1,659Monthly Premium$138
ForemostAnnual Premium$2,260Monthly Premium$188
DairylandAnnual Premium$3,913Monthly Premium$326

How to Compare Cheap Round Rock Car Insurance Quotes Online

Finding the best car insurance rates in Round Rock is key to cost savings, but comparing so many can take hours. MoneyGeek's car insurance calculator streamlines the comparison by targeting crucial factors such as age, driving history, credit score, coverage preferences and other details. Get your tailored rate estimate in no time.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 11, 2024

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Best Car Insurance in Round Rock: Overview

The best auto insurance depends on service quality, cost, coverage options and other factors. MoneyGeek ranks Chubb as Round Rock's top car insurer for different needs:

  • Best overall: 90 out of 100
  • Best for service: 92 out of 100
  • Best cheap: 89 out of 100

Chubb presents top-notch service and maintains quality while being cost-effective.

Overall Best Car Insurance in Round Rock

MoneyGeek found that Chubb is the overall best car insurance in Round Rock.

  • Chubb: MoneyGeek score of 90 out of 100 ($1,605 per year)
  • State Farm: MoneyGeek score of 74 out of 100 ($953 per year)

Chubb's customer satisfaction and claims contribute to its overall score, but its quality and affordability also deserve attention.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
90/ of 100

Overview

Chubb provides drivers with common coverages, such as rental car and/or travel reimbursement and original equipment manufacturer (OEM) that will help maintain a vehicle with authentic parts after an accident. Chubb also caters to various needs, as proven by its diminished value coverage, which allows customers to recoup some value lost due to an accident.

With a satisfaction score of 34 (out of 35), an affordability score of 24 (out of 30), a claims score of 20 (out of 20) and a coverage score of 7 (out of 10), Chubb is an excellent choice in car insurance.

Best Car Insurance in Round Rock for Customer Service

MoneyGeek found that Chubb is the best option in Round Rock for outstanding car insurance customer service.

  • Chubb: MoneyGeek score of 92 out of 100 ($1,605 per year)
  • Foremost: MoneyGeek score of 77 out of 100 ($2,260 per year)

Chubb stands out not only for its superior customer satisfaction and claims handling but also for its breadth of coverage. The company's high stability score also contributes to its top position.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100

Overview

Despite having common coverages like rental car and/or travel reimbursement, not offering roadside assistance is a slight negative. Another reasonable Chubb coverage is original equipment manufacturer (OEM), underscoring its commitment to quality repairs.

There are also coverage stand-outs like antique/classic car insurance, which ensures protection for vintage car aficionados, and diminished value coverage, which offers financial protection against value depreciation following an accident.

With a satisfaction score of 44 (out of 45) and a claims score of 30 (out of 30), Chubb is a reliable and responsive car insurance.

Best Cheap Car Insurance in Round Rock

MoneyGeek found that Chubb is the best cheap car insurance in Round Rock without compromising on quality.

  • Chubb: MoneyGeek score of 89 out of 100 ($758 per year)
  • Mercury: MoneyGeek score of 77 out of 100 ($442 per year)

Chubb's ability to deliver remarkable service quality alongside exceptional value for a minimum coverage makes it a leader in the space.

Company logo for Chubb
Best Cheap CompanyChubb
MoneyGeek Score:
89/ of 100

Overview

On average, Chubb policyholders enjoy an annual premium of $758 for minimum coverage. The company offers reasonable discounts, such as defensive driving, anti-theft system, bundling and good student.

Additionally, Chubb rewards drivers with a rare discount for using honing devices. There's also a rare discount for cars with anti-lock brakes, extending benefits for safety features.

The affordability score of 33 (out of 40), satisfaction score of 25 (out of 25), claims score of 20 (out of 20) and coverage score of 7 (out of 10) culminate in an excellent MoneyGeek ranking for Chubb.

Average Cost of Car Insurance in Round Rock

In Round Rock, the average cost of car insurance is $1,620, below the average price for Texas, which is $1,782. The Lone Star State's average premium is just $1 shy of the national average of $1,781.

Location is one of many factors determining car insurance rates, with others being an individual's driving record, vehicle type and coverage preferences. Insurance providers consider the frequency of claims, theft rates and laws of an area, which can vary widely. For example, Wichita Falls boasts the cheapest premium at $1,414 in Texas, while Houston ranks the most expensive at $2,177, showing a stark difference even within the state. Rural areas with lower traffic density may also have lower rates than cities.

AbileneAnnual Premium$1,484
AllenAnnual Premium$1,750
AmarilloAnnual Premium$1,790
ArlingtonAnnual Premium$1,740
AustinAnnual Premium$1,727
BeaumontAnnual Premium$1,851
BrownsvilleAnnual Premium$1,845
CarrolltonAnnual Premium$1,882
College StationAnnual Premium$1,537
Corpus ChristiAnnual Premium$1,664
DallasAnnual Premium$1,966
DentonAnnual Premium$1,669
El PasoAnnual Premium$1,603
Fort WorthAnnual Premium$1,728
FriscoAnnual Premium$1,751
GarlandAnnual Premium$1,971
Grand PrairieAnnual Premium$1,922
HoustonAnnual Premium$2,177
IrvingAnnual Premium$1,890
KilleenAnnual Premium$1,551
LaredoAnnual Premium$1,816
League CityAnnual Premium$1,835
LewisvilleAnnual Premium$1,700
LubbockAnnual Premium$1,598
McAllenAnnual Premium$1,996
McKinneyAnnual Premium$1,745
MesquiteAnnual Premium$1,960
MidlandAnnual Premium$1,532
OdessaAnnual Premium$1,658
PasadenaAnnual Premium$1,906
PearlandAnnual Premium$1,967
PlanoAnnual Premium$1,819
RichardsonAnnual Premium$1,884
Round RockAnnual Premium$1,620
San AngeloAnnual Premium$1,458
San AntonioAnnual Premium$1,791
Sugar LandAnnual Premium$1,868
The WoodlandsAnnual Premium$1,877
TylerAnnual Premium$1,635
WacoAnnual Premium$1,519
Wichita FallsAnnual Premium$1,414

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.