Cheapest and Best Car Insurance Companies in Round Rock, TX


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Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Round Rock, TX

Why Trust MoneyGeek? We obtain auto insurance information and data from the Texas Department of Insurance and Quadrant Information Services. Our rankings are also based on quotes sourced from different companies.

328,384Quotes Analyzed
 
14Companies Compared

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.

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$327Monthly Premium$27
AllstateAnnual Premium$370Monthly Premium$31
MercuryAnnual Premium$399Monthly Premium$33
AAA TexasAnnual Premium$468Monthly Premium$39
NationwideAnnual Premium$469Monthly Premium$39
ProgressiveAnnual Premium$551Monthly Premium$46
GEICOAnnual Premium$567Monthly Premium$47

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.

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$671Monthly Premium$56
AllstateAnnual Premium$811Monthly Premium$68
MercuryAnnual Premium$823Monthly Premium$69
NationwideAnnual Premium$916Monthly Premium$76
GEICOAnnual Premium$954Monthly Premium$79
AAA TexasAnnual Premium$964Monthly Premium$80
ProgressiveAnnual Premium$1,326Monthly Premium$111

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.

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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.

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$671Monthly Premium$56
AllstateAnnual Premium$811Monthly Premium$68
NationwideAnnual Premium$1,060Monthly Premium$88
GEICOAnnual Premium$1,108Monthly Premium$92
MercuryAnnual Premium$1,188Monthly Premium$99
AAA TexasAnnual Premium$1,267Monthly Premium$106
ChubbAnnual Premium$1,453Monthly Premium$121

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,327Individual Plan Monthly Premium$5,404
State FarmFamily Plan Annual Premium$1,731Individual Plan Monthly Premium$8,083
GEICOFamily Plan Annual Premium$2,262Individual Plan Monthly Premium$7,265
ProgressiveFamily Plan Annual Premium$3,189Individual Plan Monthly Premium$14,891
ForemostFamily Plan Annual Premium$3,336Individual Plan Monthly Premium$14,081
AllstateFamily Plan Annual Premium$5,945Individual Plan Monthly Premium$11,102

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.

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$671Monthly Premium$56
USAAAnnual Premium$806Monthly Premium$67
AllstateAnnual Premium$811Monthly Premium$68
MercuryAnnual Premium$823Monthly Premium$69
NationwideAnnual Premium$916Monthly Premium$76
GEICOAnnual Premium$954Monthly Premium$79
AAA TexasAnnual Premium$964Monthly Premium$80

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.

Car Insurance Calculator

MoneyGeeks'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:

Jul 15, 2024

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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

checkmark

Highest affordability rating out of 11 insurers

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Second-best option for customer satisfaction

cons

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Below-average claims rating

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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

checkmark

Ranked top for claims management

checkmark

Good customer satisfaction score

checkmark

Has OEM parts and diminished value coverage

cons

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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

checkmark

An affordable minimum coverage policy costs $292 per year

checkmark

High customer satisfaction rating

checkmark

Bundling, multiple car and anti-theft system discounts

cons

close

Subpar claims management score

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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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.