Compare the Cheapest Car Insurance Quotes in Round Rock

The average cost of car insurance in Round Rock is $1,138 per year, which is cheaper than the state average. MoneyGeek analyzed the cheapest providers based on coverage amount and the driver’s profile. Farmers offers the cheapest car insurance at an average annual cost of $750. We also researched the best companies balancing affordability and service.

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Last Updated: 5/16/2022
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Farmers is the overall cheapest provider in Round Rock. For a state minimum policy, Farmers charges the cheapest annual rate. State Farm has the cheapest rates for drivers with a speeding violation.

If you are in a military family, USAA might be your best option.

MoneyGeek rated the best insurer that balances cost and customer service and found that GEICO is the best option.

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The Cheapest and Best Car Insurance in Round Rock

The Cheapest Car Insurance Companies in Round Rock

On average, the most affordable options for drivers looking for a full coverage policy in Round Rock are:

  • Farmers: $750 per year
  • State Farm: $806 per year

If you have a military background or are part of a military family, you could be eligible for USAA. It is the second cheapest car insurance company at roughly $788 per year.

Farmers offers the most affordable rates and is approximately 183% less expensive than the city’s most expensive car insurance company, The General. A full-coverage policy includes liability, comprehensive and collision insurance in addition to any optional coverages. Your prices may change depending on how much liability insurance you select.

Cheapest Car Insurance in Round Rock
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $750
  • 2.
    USAA
    $788
  • 3.
    State Farm
    $806
  • 4.
    GEICO
    $863
  • 5.
    Nationwide
    $1,009
  • 6.
    AAA
    $1,018
  • 7.
    Esurance
    $1,058
  • 8.
    Allstate
    $1,082
  • 9.
    Mercury
    $1,245
  • 10.
    MetLife
    $1,428
  • 11.
    The General
    $2,123

MoneyGeek’s analysis is based on collected average rates for a 40-year-old male driver in Round Rock with a full coverage policy, in accordance with our methodology.

A full coverage policy is more expensive than liability-only coverage or a policy that only meets the state’s minimum requirements because it includes comprehensive and collision insurance. Having these provides more financial protection to the policyholder in the event of an accident.

  • Comprehensive Insurance: Makes payments for the repair or replacement of your vehicle if it gets damaged due to a non-accident incident.
  • Collision Insurance: Covers fees for the repair or replacement of your vehicle if it gets damaged in an accident in an at-fault accident.

If you have an older car, your best option might be to buy liability-only insurance or the state minimum to get the cheapest rates. This will help you avoid paying more in premiums than your car is worth.

Compare Car Insurance Rates in Round Rock

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Round Rock for Minimum Coverage

State minimum policies offer the cheapest car insurance because they do not include comprehensive and collision coverages. This means the policyholder is at greater financial risk in the event of an accident.

On average, the most affordable options for drivers in Round Rock are:

  • Farmers: $378 per year
  • State Farm: $435 per year

If you have a military background or are part of a military family, you could be eligible for USAA, which is the second cheapest car insurance company at roughly $383 per year.

Farmers offers the most affordable prices and is $685 cheaper on average than a similar coverage with the city’s most expensive car insurance company, The General. Although minimum coverage is generally the cheapest option, it may not cover all of your expenses after an accident.

To see how costs change depending on liability coverage, toggle the table below.

Cheapest Minimum Liability Car Insurance in Round Rock
State Minimum

While the minimum car insurance in Texas is the cheapest insurance you can buy in Round Rock, it also offers the least protection. It only includes 30/60/25 in liability limits and $2,500 for personal injury protection.

This cheaper option may help you save on your monthly bill. However, it may cause you to pay more should an accident occur. For example, if you are at fault for $75,000 in medical bills after an accident and you only have $60,000 in bodily injury liability insurance per accident, then you would have to pay $15,000 out of pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Round Rock if You Have Driving Violations

A driving violation can increase your premiums. On average, the top insurers in Round Rock with the cheapest rates for drivers with violations are:

  • Cheapest after a ticket: State Farm at $806 per year
  • Cheapest after an at-fault accident: State Farm at $975 per year
  • Cheapest after a DUI: Esurance at $1,058 per year

Someone with a poor driving history can improve their records over time and get cheaper insurance. In the meantime, it makes sense to shop around and find out which company gives the best deal.

Cheapest Car Insurance in Round Rock With a Violation
Speeding Ticket

Average Cost of Car Insurance in Round Rock

Round Rock$1,138
Texas$1,316
U.S.$1,424

The average annual cost of car insurance in Round Rock is $1,138, which is lower than both the state and national average annual premium rates. Drivers in Round Rock enjoy insurance rates that are around 13.5% cheaper than the average annual cost of car insurance in Texas and about 20.1% below the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Round Rock

Insurers rely on several factors when determining your car insurance quotes, such as the driver’s age and gender, the make and model of the vehicle, insurance coverage level and ZIP code.

Make sure you shop around and compare quotes from multiple providers because this is the best way for you to check which insurer charges the cheapest premiums. We also recommend that you ask for a personalized quote as your circumstances change.

Compare Car Insurance Rates in Round Rock

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Round Rock

MoneyGeek ranked the best insurance companies in Round Rock if you want a balance between affordability and service quality.

Our analysis revealed that the best insurers are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA received the highest ratings and is the best choice for military personnel and their families.

We calculated these scores based on several data points, including J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code also has an impact on how much your premium costs in Texas. This is because insurance providers typically factor in the number of uninsured drivers, accidents and incidents of car theft in the area to evaluate how risky it is to cover you.

However, in Round Rock, differences in average premiums based on ZIP code are not significant. The lowest rates are given to drivers from ZIP code 78664. They could pay $8 less than someone from ZIP code 78681, the most expensive location in the city.

  • Zip Code
    State Minimumper year
  • 78664
    $1,134
  • 78681
    $1,142

Factors That Impact Insurance Costs in Round Rock

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Round Rock. How Round Rock ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities257th/300
handcuffs2 icon
Most Car Thefts66th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall172nd/300
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Most Rainy Days185th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Round Rock are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.