Compare Rates and Save on Auto Insurance

widget-location-pin

Texas Farm Bureau Group is Round Rock's cheapest minimum and full coverage car insurance carrier. The insurer is also the most affordable for military drivers and those with a traffic offense. Nationwide has the cheapest coverage for teen drivers. The ideal car insurance provider in Round Rock will depend on your needs and driving background.

Texas Farm Bureau Group is the best overall and the best cheap insurer, while Chubb is the best for customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceRound Rock
2023

Cheapest and Best Car Insurance in Round Rock, TX

Cheapest Minimum Liability Car Insurance in Round Rock

The following insurers provide the most affordable minimum coverage auto insurance for Round Rock drivers out of 12 providers:

  • Texas Farm Bureau Group: $292 per year
  • State Farm: $327 per year

At the state level, State Farm has an estimated average cost of $300, which is the cheapest for auto insurance in Texas and slightly higher than the average rate for the most affordable coverage in Round Rock. Meanwhile, Texas Farm Bureau Group is the second cheapest in the state. Rates may vary greatly depending on where you live.

Dairyland offers the most costly minimum coverage with an average annual cost of $1,042 yearly.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$255

$21

Texas Farm Bureau

$292

$24

State Farm

$304

$25

State Farm

$327

$27

Texas Farm Bureau

$369

$31

Allstate

$370

$31

Allstate

$380

$32

Mercury

$399

$33

State Farm

$400

$33

Mercury

$433

$36

Nationwide

$448

$37

Allstate

$464

$39

AAA Texas

$468

$39

Nationwide

$469

$39

AAA Texas

$500

$42

Mercury

$515

$43

Texas Farm Bureau

$534

$45

Progressive

$551

$46

Progressive

$564

$47

GEICO

$567

$47

Chubb

$578

$48

GEICO

$594

$49

AAA Texas

$600

$50

State Farm

$611

$51

Nationwide

$624

$52

Chubb

$635

$53

Texas Farm Bureau

$645

$54

GEICO

$649

$54

Progressive

$661

$55

State Farm

$671

$56

Foremost

$698

$58

National General

$738

$61

Allstate

$746

$62

Nationwide

$758

$63

National General

$762

$63

Texas Farm Bureau

$784

$65

Foremost

$809

$67

Allstate

$811

$68

Mercury

$823

$69

State Farm

$866

$72

Mercury

$871

$73

Nationwide

$916

$76

National General

$938

$78

GEICO

$941

$78

GEICO

$954

$79

Foremost

$956

$80

AAA Texas

$964

$80

AAA Texas

$966

$81

Dairyland

$1,011

$84

Dairyland

$1,042

$87

Allstate

$1,088

$91

Nationwide

$1,096

$91

Chubb

$1,113

$93

GEICO

$1,116

$93

Mercury

$1,124

$94

Chubb

$1,169

$97

Dairyland

$1,237

$103

AAA Texas

$1,262

$105

Progressive

$1,280

$107

Progressive

$1,326

$111

Chubb

$1,344

$112

Foremost

$1,438

$120

National General

$1,482

$123

Foremost

$1,524

$127

National General

$1,618

$135

Progressive

$1,657

$138

Dairyland

$1,746

$146

National General

$1,820

$152

Foremost

$1,915

$160

Dairyland

$1,938

$162

Chubb

$2,099

$175

Dairyland

$2,383

$199

A minimum coverage auto insurance policy in Round Rock should consist of bodily injury and property damage liability protection, according to Texas law. The following are the minimum limits:

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

These numbers mean your insurer will pay a maximum of $30,000 for each person injured in an accident while in the other party’s car, up to $60,000 for the entire accident. If liability costs exceed these limits, you must make the payments, including covering the costs out of pocket.

Cheapest Full Coverage Car Insurance in Round Rock

The following companies offer the most affordable full coverage auto insurance in Round Rock:

  • Texas Farm Bureau Group: $645 per year
  • State Farm: $671 per year

State Farm is the most affordable insurer in Texas for full coverage, costing an average yearly rate of $711. That is about $66 more than Round Rock’s cheapest average cost. Where you live can contribute to a difference in car insurance rates.

Full coverage auto insurance from Dairyland is the highest priced in the city, with drivers paying about $1,938 yearly.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$255

$21

Texas Farm Bureau

$292

$24

State Farm

$304

$25

State Farm

$327

$27

Texas Farm Bureau

$369

$31

Allstate

$370

$31

Allstate

$380

$32

Mercury

$399

$33

State Farm

$400

$33

Mercury

$433

$36

Nationwide

$448

$37

Allstate

$464

$39

AAA Texas

$468

$39

Nationwide

$469

$39

AAA Texas

$500

$42

Mercury

$515

$43

Texas Farm Bureau

$534

$45

Progressive

$551

$46

Progressive

$564

$47

GEICO

$567

$47

Chubb

$578

$48

GEICO

$594

$49

AAA Texas

$600

$50

State Farm

$611

$51

Nationwide

$624

$52

Chubb

$635

$53

Texas Farm Bureau

$645

$54

GEICO

$649

$54

Progressive

$661

$55

State Farm

$671

$56

Foremost

$698

$58

National General

$738

$61

Allstate

$746

$62

Nationwide

$758

$63

National General

$762

$63

Texas Farm Bureau

$784

$65

Foremost

$809

$67

Allstate

$811

$68

Mercury

$823

$69

State Farm

$866

$72

Mercury

$871

$73

Nationwide

$916

$76

National General

$938

$78

GEICO

$941

$78

GEICO

$954

$79

Foremost

$956

$80

AAA Texas

$964

$80

AAA Texas

$966

$81

Dairyland

$1,011

$84

Dairyland

$1,042

$87

Allstate

$1,088

$91

Nationwide

$1,096

$91

Chubb

$1,113

$93

GEICO

$1,116

$93

Mercury

$1,124

$94

Chubb

$1,169

$97

Dairyland

$1,237

$103

AAA Texas

$1,262

$105

Progressive

$1,280

$107

Progressive

$1,326

$111

Chubb

$1,344

$112

Foremost

$1,438

$120

National General

$1,482

$123

Foremost

$1,524

$127

National General

$1,618

$135

Progressive

$1,657

$138

Dairyland

$1,746

$146

National General

$1,820

$152

Foremost

$1,915

$160

Dairyland

$1,938

$162

Chubb

$2,099

$175

Dairyland

$2,383

$199

A full-coverage auto insurance policy offers additional protection through comprehensive and collision coverage.

  • Comprehensive insurance: When your car gets totaled or damaged from a fire, vandalism, theft or weather-related incident, comprehensive insurance pays for its repair or replacement, excluding the deductible amount.
  • Collision insurance: If your car collides with an object, such as another car, tree, motorcycle or guardrail, regardless of who is at fault, collision coverage pays to replace or repair it, excluding the deductible amount.

A full coverage policy is worth it for newer car models, but if you have an older vehicle, paying premiums higher than the car's value may not make sense.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Round Rock.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Round Rock After a Driving Offense

Of the 11 companies we rated for Round Rock drivers with a traffic offense on their records, Texas Farm Bureau is the cheapest provider for different violations.

  • Speeding ticket: Texas Farm Bureau Group ($645 per year)
  • At-fault accident: Texas Farm Bureau Group ($1,062 per year)
  • DUI: Texas Farm Bureau Group ($1,221 per year)

Dairyland has the highest price for a speeding ticket, charging a yearly average of $2,377 after a ticket. Chubb charges the highest at $2,632 after a DUI and Foremost charges the highest at $3,266 after an at-fault accident.

Even the most affordable auto insurance plans will charge drivers with offenses higher rates than safe drivers.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$255

$21

Texas Farm Bureau

$292

$24

State Farm

$304

$25

State Farm

$327

$27

Texas Farm Bureau

$369

$31

Allstate

$370

$31

Allstate

$380

$32

State Farm

$392

$33

State Farm

$400

$33

State Farm

$417

$35

Texas Farm Bureau

$462

$39

Allstate

$464

$39

Texas Farm Bureau

$498

$41

State Farm

$498

$42

Nationwide

$527

$44

Texas Farm Bureau

$534

$45

Nationwide

$548

$46

Texas Farm Bureau

$551

$46

Mercury

$556

$46

Mercury

$568

$47

Progressive

$607

$51

State Farm

$609

$51

State Farm

$611

$51

Chubb

$624

$52

AAA Texas

$630

$53

Texas Farm Bureau

$632

$53

Allstate

$633

$53

State Farm

$633

$53

Texas Farm Bureau

$637

$53

GEICO

$643

$54

Texas Farm Bureau

$645

$54

Allstate

$651

$54

Progressive

$657

$55

Mercury

$662

$55

Progressive

$662

$55

State Farm

$671

$56

AAA Texas

$673

$56

GEICO

$675

$56

Allstate

$677

$56

Mercury

$678

$57

Chubb

$685

$57

Mercury

$690

$57

Allstate

$695

$58

GEICO

$702

$59

AAA Texas

$707

$59

Nationwide

$710

$59

State Farm

$715

$60

Mercury

$715

$60

Progressive

$719

$60

Progressive

$729

$61

Nationwide

$733

$61

AAA Texas

$743

$62

Allstate

$746

$62

AAA Texas

$756

$63

Nationwide

$760

$63

State Farm

$769

$64

GEICO

$781

$65

Texas Farm Bureau

$784

$65

Foremost

$785

$65

Progressive

$787

$66

AAA Texas

$793

$66

Allstate

$794

$66

AAA Texas

$807

$67

Allstate

$811

$68

Texas Farm Bureau

$824

$69

State Farm

$834

$69

GEICO

$838

$70

Mercury

$838

$70

National General

$838

$70

Foremost

$845

$70

Allstate

$849

$71

National General

$850

$71

GEICO

$856

$71

Progressive

$861

$72

Chubb

$863

$72

National General

$865

$72

State Farm

$866

$72

National General

$884

$74

Nationwide

$905

$75

AAA Texas

$907

$76

Nationwide

$910

$76

Foremost

$918

$77

Texas Farm Bureau

$919

$77

Nationwide

$933

$78

Chubb

$948

$79

Progressive

$951

$79

AAA Texas

$952

$79

Mercury

$991

$83

Nationwide

$991

$83

Foremost

$994

$83

Progressive

$998

$83

GEICO

$999

$83

GEICO

$1,001

$83

Texas Farm Bureau

$1,019

$85

Dairyland

$1,028

$86

Foremost

$1,048

$87

State Farm

$1,049

$87

Dairyland

$1,058

$88

Nationwide

$1,060

$88

National General

$1,062

$89

Texas Farm Bureau

$1,062

$89

National General

$1,065

$89

Nationwide

$1,082

$90

Mercury

$1,084

$90

Allstate

$1,088

$91

GEICO

$1,092

$91

Foremost

$1,107

$92

GEICO

$1,108

$92

GEICO

$1,112

$93

Chubb

$1,128

$94

Mercury

$1,131

$94

National General

$1,157

$96

State Farm

$1,161

$97

Mercury

$1,188

$99

Chubb

$1,203

$100

National General

$1,211

$101

Allstate

$1,218

$102

Texas Farm Bureau

$1,221

$102

State Farm

$1,226

$102

GEICO

$1,234

$103

Nationwide

$1,240

$103

Chubb

$1,240

$103

Nationwide

$1,255

$105

Dairyland

$1,257

$105

Chubb

$1,263

$105

AAA Texas

$1,267

$106

AAA Texas

$1,273

$106

Allstate

$1,287

$107

Mercury

$1,292

$108

Texas Farm Bureau

$1,302

$108

Allstate

$1,302

$108

Nationwide

$1,340

$112

GEICO

$1,342

$112

Dairyland

$1,343

$112

Allstate

$1,369

$114

GEICO

$1,372

$114

National General

$1,386

$116

AAA Texas

$1,407

$117

AAA Texas

$1,417

$118

Mercury

$1,421

$118

Dairyland

$1,438

$120

State Farm

$1,441

$120

Mercury

$1,442

$120

Chubb

$1,453

$121

AAA Texas

$1,470

$123

AAA Texas

$1,481

$123

GEICO

$1,492

$124

Progressive

$1,495

$125

Dairyland

$1,495

$125

Mercury

$1,499

$125

Progressive

$1,520

$127

Texas Farm Bureau

$1,525

$127

Dairyland

$1,533

$128

Nationwide

$1,541

$128

Progressive

$1,623

$135

Nationwide

$1,627

$136

Dairyland

$1,630

$136

Foremost

$1,639

$137

Progressive

$1,653

$138

AAA Texas

$1,663

$139

Chubb

$1,664

$139

GEICO

$1,683

$140

Nationwide

$1,700

$142

Mercury

$1,702

$142

Foremost

$1,720

$143

National General

$1,721

$143

Chubb

$1,747

$146

Allstate

$1,748

$146

GEICO

$1,750

$146

Foremost

$1,751

$146

Foremost

$1,757

$146

GEICO

$1,761

$147

Dairyland

$1,764

$147

Dairyland

$1,775

$148

National General

$1,838

$153

Allstate

$1,841

$153

Progressive

$1,842

$153

AAA Texas

$1,851

$154

Foremost

$1,888

$157

National General

$1,930

$161

AAA Texas

$1,934

$161

National General

$1,944

$162

Dairyland

$1,956

$163

Progressive

$1,970

$164

Chubb

$2,011

$168

Nationwide

$2,015

$168

Foremost

$2,050

$171

National General

$2,061

$172

Progressive

$2,067

$172

Mercury

$2,092

$174

Mercury

$2,110

$176

Foremost

$2,122

$177

Foremost

$2,148

$179

Progressive

$2,150

$179

Chubb

$2,179

$182

Foremost

$2,240

$187

Chubb

$2,269

$189

National General

$2,287

$191

Chubb

$2,288

$191

National General

$2,370

$198

Dairyland

$2,377

$198

Dairyland

$2,396

$200

Dairyland

$2,404

$200

Progressive

$2,450

$204

National General

$2,581

$215

National General

$2,628

$219

Chubb

$2,632

$219

Dairyland

$2,688

$224

Dairyland

$2,710

$226

Dairyland

$2,835

$236

Dairyland

$3,022

$252

Chubb

$3,140

$262

Foremost

$3,266

$272

Foremost

$3,781

$315

Foremost

$3,874

$323

Chubb

$4,113

$343

Insurance costs tend to rise substantially after a driving violation. How much more you pay will depend on the extent of the violation. In Round Rock, you can expect your rates to increase by about $222 per year after a speeding ticket and $489 yearly after a DUI. You can still find the cheapest auto insurance with a bad driving record by comparing rates from multiple insurers.

Cheapest Car Insurance in Round Rock for Teens and Their Families

The following are our top picks for the cheapest full coverage auto insurance policy in Round Rock if you are a teen driver on a family plan:

  • 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

Male teenagers are considered riskier to insure and pay higher premiums than female teens. The most expensive insurer in Round Rock is Allstate, with teen females paying an average of $5,945 and males paying $6,996. The gender difference in costs tapers off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$615

$2,913

State Farm

$717

$3,394

State Farm

$735

$3,962

State Farm

$772

$3,656

Nationwide

$871

$1,944

Nationwide

$881

$2,091

Nationwide

$920

$2,609

Nationwide

$975

$2,996

Nationwide

$980

$2,188

Nationwide

$995

$2,442

State Farm

$1,028

$3,499

Nationwide

$1,033

$2,306

Nationwide

$1,041

$2,472

Nationwide

$1,051

$2,795

Nationwide

$1,104

$2,621

State Farm

$1,126

$4,195

State Farm

$1,154

$3,929

State Farm

$1,219

$4,846

Nationwide

$1,237

$4,252

Nationwide

$1,262

$4,998

State Farm

$1,270

$4,322

Nationwide

$1,290

$3,658

Nationwide

$1,327

$5,404

State Farm

$1,351

$5,786

Nationwide

$1,356

$5,370

State Farm

$1,375

$5,123

Nationwide

$1,399

$5,438

State Farm

$1,411

$5,334

Nationwide

$1,438

$6,326

Nationwide

$1,453

$4,463

Allstate

$1,509

$2,010

Nationwide

$1,513

$6,844

GEICO

$1,534

$2,844

Nationwide

$1,546

$6,801

GEICO

$1,550

$3,432

GEICO

$1,553

$2,740

State Farm

$1,554

$6,569

GEICO

$1,571

$2,914

GEICO

$1,575

$2,778

GEICO

$1,586

$3,429

GEICO

$1,609

$3,132

Allstate

$1,624

$2,072

GEICO

$1,641

$3,042

GEICO

$1,643

$3,141

GEICO

$1,662

$2,931

State Farm

$1,679

$7,311

State Farm

$1,692

$6,394

State Farm

$1,727

$7,300

State Farm

$1,731

$8,083

Progressive

$1,808

$2,798

GEICO

$1,820

$4,596

Allstate

$1,829

$2,438

GEICO

$1,836

$4,066

Allstate

$1,859

$2,861

Progressive

$1,879

$4,585

State Farm

$1,880

$8,211

Progressive

$1,881

$2,768

GEICO

$1,890

$4,680

GEICO

$1,919

$4,150

Allstate

$1,951

$2,599

GEICO

$1,975

$5,498

Progressive

$2,043

$4,964

GEICO

$2,057

$5,653

State Farm

$2,087

$9,114

State Farm

$2,093

$10,104

Allstate

$2,134

$2,721

Foremost

$2,142

$3,521

Progressive

$2,145

$3,156

Allstate

$2,180

$3,329

Progressive

$2,190

$3,390

GEICO

$2,202

$6,130

Foremost

$2,202

$3,029

Allstate

$2,204

$3,245

Progressive

$2,247

$6,224

GEICO

$2,262

$7,265

Progressive

$2,264

$3,973

Progressive

$2,299

$4,296

Foremost

$2,308

$3,175

Progressive

$2,309

$5,634

Foremost

$2,318

$3,332

GEICO

$2,330

$6,401

Progressive

$2,330

$3,429

Foremost

$2,339

$3,217

Allstate

$2,351

$2,998

Foremost

$2,367

$4,008

Foremost

$2,392

$3,180

GEICO

$2,394

$7,679

Progressive

$2,423

$3,750

Progressive

$2,544

$7,104

Foremost

$2,571

$3,418

Allstate

$2,576

$3,792

Foremost

$2,619

$3,768

Progressive

$2,664

$6,472

Foremost

$2,681

$3,564

Foremost

$2,827

$9,400

Progressive

$2,854

$12,774

Foremost

$2,908

$9,526

Allstate

$2,929

$5,254

Foremost

$2,947

$9,798

Allstate

$3,018

$4,444

Foremost

$3,059

$10,022

Foremost

$3,136

$6,122

Foremost

$3,167

$6,201

Progressive

$3,177

$14,337

Progressive

$3,189

$14,891

Foremost

$3,336

$14,081

Progressive

$3,387

$15,159

Allstate

$3,456

$6,220

Foremost

$3,471

$5,879

Foremost

$3,475

$14,609

Progressive

$3,509

$16,437

Foremost

$3,539

$5,817

Allstate

$3,566

$5,249

Progressive

$3,707

$16,729

Allstate

$4,484

$6,332

Allstate

$5,272

$7,459

Allstate

$5,490

$7,753

Allstate

$5,945

$11,102

Allstate

$6,455

$9,133

Allstate

$6,996

$13,105

Teenage drivers will likely pay higher premiums if they get their own car insurance policy. Adding a teenage driver to a family plan is generally more cost-effective. In Round Rock, for instance, an individual auto insurance plan for a male teen costs about $7,077 or more per year. Meanwhile, a family plan costs only about $3,810. That’s a difference of $3,267 or 46%.

Evaluating auto insurance quotes from several providers ensures you’ll secure the most affordable coverage for teens and save.

Cheapest Car Insurance in Round Rock for Military Drivers

The most affordable full coverage auto insurance policies in Round Rock if you have a military background are from the following companies:

  • Texas Farm Bureau Group: $645 per year
  • State Farm: $671 per year

USAA is the third cheapest in the city, at $806 per year. Its policies are tailored to military members and their families. If you need the most affordable auto insurance for military drivers, Texas Farm Bureau Group ($292) and State Farm ($327) are also the cheapest for minimum coverage policies.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$255

$21

Texas Farm Bureau

$292

$24

State Farm

$304

$25

State Farm

$327

$27

USAA

$361

$30

Texas Farm Bureau

$369

$31

Allstate

$370

$31

Allstate

$380

$32

USAA

$386

$32

Mercury

$399

$33

State Farm

$400

$33

Mercury

$433

$36

USAA

$434

$36

Nationwide

$448

$37

Allstate

$464

$39

AAA Texas

$468

$39

Nationwide

$469

$39

AAA Texas

$500

$42

Mercury

$515

$43

Texas Farm Bureau

$534

$45

Progressive

$551

$46

Progressive

$564

$47

GEICO

$567

$47

Chubb

$578

$48

GEICO

$594

$49

AAA Texas

$600

$50

State Farm

$611

$51

Nationwide

$624

$52

Chubb

$635

$53

Texas Farm Bureau

$645

$54

GEICO

$649

$54

Progressive

$661

$55

State Farm

$671

$56

Foremost

$698

$58

National General

$738

$61

Allstate

$746

$62

Nationwide

$758

$63

National General

$762

$63

Texas Farm Bureau

$784

$65

USAA

$792

$66

USAA

$806

$67

Foremost

$809

$67

Allstate

$811

$68

Mercury

$823

$69

State Farm

$866

$72

Mercury

$871

$73

Nationwide

$916

$76

National General

$938

$78

GEICO

$941

$78

GEICO

$954

$79

Foremost

$956

$80

AAA Texas

$964

$80

AAA Texas

$966

$81

USAA

$980

$82

Dairyland

$1,011

$84

Dairyland

$1,042

$87

Allstate

$1,088

$91

Nationwide

$1,096

$91

Chubb

$1,113

$93

GEICO

$1,116

$93

Mercury

$1,124

$94

Chubb

$1,169

$97

Dairyland

$1,237

$103

AAA Texas

$1,262

$105

Progressive

$1,280

$107

Progressive

$1,326

$111

Chubb

$1,344

$112

Foremost

$1,438

$120

National General

$1,482

$123

Foremost

$1,524

$127

National General

$1,618

$135

Progressive

$1,657

$138

Dairyland

$1,746

$146

National General

$1,820

$152

Foremost

$1,915

$160

Dairyland

$1,938

$162

Chubb

$2,099

$175

Dairyland

$2,383

$199

How to Compare Cheap Round Rock Car Insurance Quotes Online

You can determine the cheapest car insurance in Round Rock by comparing quotes from different providers. To obtain an online quote, you will need to provide a lot of personal information and the process can take 15 or longer.

MoneyGeek's car insurance calculator can give you a quick rate estimate with just your age, driving record, vehicle type and desired coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Texas
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA
AAA

Best Car Insurance in Round Rock: Summary

The best auto insurance policy for your needs will vary depending on how you prioritize factors like customer service, coverage availability and cost.

The following are the top insurers for a full coverage policy across different categories:

  • Best overall: Texas Farm Bureau Group (MoneyGeek score 81 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Texas Farm Bureau Group (MoneyGeek score 81 out of 100)

USAA offers the best coverage for drivers with a military background. The insurer scored 81 out of 100 but does not offer policies to non-military members.

Meanwhile, Texas Farm Bureau also offers the best auto insurance in Texas, with a MoneyGeek score of 79 out of 100. Average ratings for each insurer may vary based on how we alter the weightings for each category. Affordability may also vary based on your location.

Best Overall Car Insurance in Round Rock

The following insurers ranked best overall in Round Rock for a full coverage policy:

  • Texas Farm Bureau Group: MoneyGeek score 81 out of 100 ($645 per year)
  • State Farm: MoneyGeek score 75 out of 100 ($671 per year)

Texas Farm Bureau Group received a perfect affordability rating and the second-best score for customer service. However, it ranked below average for claims management.

USAA ranked best for individuals with a military connection, scoring 81 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Highest affordability rating out of 11 insurers

Second-best option for customer satisfaction

cons

Below-average claims rating

Very few add-on coverages

COMPANY HIGHLIGHTS

Texas Farm Bureau Group ranks as the overall best auto insurance company in Round Rock with high customer satisfaction and affordability scores. However, it lacks most of the common add-on coverage options, including accident forgiveness, gap insurance, deductible modification and new car replacement coverage.

The company’s rental reimbursement coverage pays to rent a car while your vehicle is repaired after a covered loss. You can get this coverage at an additional cost if your policy includes comprehensive and collision coverage.

Texas Farm Bureau also has roadside assistance to cover costs associated with electrical or mechanical failures resulting from non-collision incidents. The coverage includes towing services, delivery of fuel, flat tire repair and locksmith services, up to $120. In addition, the insurer offers rideshare insurance for policyholders who work for a ridesharing company.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Round Rock for Customer Service

MoneyGeek did not consider affordability when rating insurers for the best customer service. We found the following companies offer the best full coverage policies for Round Rock drivers who value customer service over cost:

  • Chubb: MoneyGeek score 76 out of 100 ($1,344 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,438per year)

Chubb has the highest claims management rating, earning the best customer service provider title in Round Rock. The insurer also offers the third-best customer satisfaction. Its policies are on the costlier side, indicating that customers pay more for better customer service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked top for claims management

Good customer satisfaction score

Has OEM parts and diminished value coverage

cons

Does not offer roadside assistance, accident forgiveness, gap insurance and deductible modification coverage

COMPANY HIGHLIGHTS

Chubb tops our list of the best auto insurance in Round Rock for customer service. The insurer had outstanding claims management and ranked well according to J.D. Power and NAIC’s customer satisfaction ratings.

Although most insurers do not offer additional coverage for original parts, you will find it at Chubb. The company pays to use original equipment manufacturer (OEM) parts if your car needs repairs after a covered incident. Using OEM parts helps ensure your systems continue to perform well in case of an accident.

With Chubb’s Agreed Value Coverage, you agree on your car’s value when the policy is written. If your car is stolen or totaled, Chubb will pay you this amount, which can save you thousands. The insurer also provides Rental Car Reimbursement Coverage, which enables most policyholders to rent a vehicle similar to their own. The coverage pays up to $5,000 with no daily limits.

Best Cheap Car Insurance in Round Rock

MoneyGeek ranked policies that meet the minimum coverage auto insurance requirements in Texas. The following are the best: a

  • Texas Farm Bureau Group: MoneyGeek score 81 out of 100 ($292 per year)
  • State Farm: MoneyGeek score 76 out of 100 ($327 per year)

A minimum coverage policy is the most inexpensive but may not protect you fully against liability claims. Liability-only policies also lack collision and comprehensive insurance, which cover damages to your vehicle after an accident.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

An affordable minimum coverage policy costs $292 per year

High customer satisfaction rating

Bundling, multiple car and anti-theft system discounts

cons

Subpar claims management score

No airbag, paperless, defensive driving, pay-in-full and distant student discounts

COMPANY HIGHLIGHTS

Texas Farm Bureau Group has the cheapest auto insurance in Round Rock, costing about $292 yearly for a minimum coverage policy. It ranks well for customer satisfaction and offers the most popular discounts to ensure you save more on your premiums.

This insurer may lower costs if you combine your car insurance with your home, renters or AG policy. Rates are also lower if you insure multiple cars, remain claims-free or have a student driver with good grades on your policy.

Apart from the common discounts, Texas Farm Bureau Group offers lower rates if you have an anti-theft system or other safety device installed in your car. Drivers under 25 who complete a driver training course also qualify for lowered costs.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Round Rock

The average yearly cost of auto insurance in Round Rock is $1,098, about $103 lower than the average car insurance cost for Texas as of October 2022. You also pay an average of $167 less than the national average of $1,265. These rates represent a full coverage policy with bodily injury liability limits of $100,000 per accident, to a maximum of $300,000 per person and $100,000 property damage liability per person. Actual rates may differ depending on various factors, including where you live.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.