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.
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
- Company100/300/100per year
- 1.$750
- 2.$788
- 3.$806
- 4.$863
- 5.$1,009
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.

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
- CompanyState Minimumper year
- 1.$378
- 2.$383
- 3.$435
- 4.$498
- 5.$517
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$806
- 2.$884
- 3.$980
- 4.$1,010
- 5.$1,058
Average Cost of Car Insurance in Round Rock
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.

The Best Car Insurance Companies in Round Rock
Using a composite measure of average premiums, customer satisfaction and claims ratings from multiple carriers, MoneyGeek handpicked the top-rated car insurance companies in Round Rock, Texas.
We found that the best insurance providers in the city are:
- State Farm: MoneyGeek score of 94 out of 100
- Farmers: MoneyGeek score of 92 out of 100
We excluded USAA from this analysis because only military personnel and their families can purchase its policies. But, if you are eligible, we highly recommend that you consider this insurer. USAA received a MoneyGeek score of 94 out of 100, making it the second-best auto insurance company in Round Rock.

Scoring highly on affordability, claims and stability, State Farm is MoneyGeek’s top choice for the best car insurance company in Round Rock. A full coverage policy costs $806 yearly on average with the option to include unique rideshare insurance.
Freelance transport workers will find much value from State Farm’s rideshare insurance. Although this add-on coverage comes at an average cost of up to 15%–25% of your premium, it also provides you with adequate protection by ensuring that your personal auto policy remains in effect while you’re driving for a TNC. With this supplement included in your policy, you’re guaranteed to receive medical, emergency roadside assistance and rental car reimbursement. State Farm also offers common coverages such as roadside assistance and rental car and/or travel reimbursement.
Read MoneyGeek's State Farm auto Insurance Review
Clinching the top spot for affordability, Farmers is MoneyGeek’s runner-up in Round Rock. It offers full coverage policies at a low average annual price of $750, with the option for several rare add-ons, including original equipment manufacturer (OEM) coverage.
Farmers’ OEM coverage shoulders the cost of using factory-original parts in covered repairs, provided that your car is 10 years old or newer. If you buy glass deductible modification coverage, you could reduce the comprehensive deductible to $100 if the loss is restricted to glass. You may also purchase Farmers’ custom parts add-on coverage through your comprehensive and collision coverage to protect aftermarket equipment like infotainment systems and custom wheels.
Read MoneyGeek's Farmers auto Insurance Review







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 CodeState 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.
About Mark Fitzpatrick
