Best Auto Insurance Rates in Round Rock, Texas

On average, your neighbors pay $77 a month.

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In 2015, WalletHub named Round Rock, Texas, one of the top ten fastest growing economies in the US. With thriving companies like Dell, Sears Teleserv, and Emerson calling this awesome city home, it has a lot to offer residents.

Average Round Rock Car Insurance Rates

How much is car insurance in Round Rock, TX? Texas has higher car insurance rates than most of the US.. The average cost of auto insurance in Texas is $934.22 per year. The national average price is $889.01.

Prices will vary depending on your driving record, policy limits, coverage, and zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

Round Rock, Texas offers residents the best car insurance rates. Or it does when you let QuoteWizard help you shop around. After all, you can save up to 40% on your premium.

Last year, 2,237 people used QuoteWizard to compare quotes from multiple companies, and find the cheapest auto insurance rates in Round Rock, TX.

Best Car Insurance Companies in Round Rock, TX

Here are the most common insurance companies reported by QuoteWizard users living in Round Rock, Texas last year. Only 65 were not insured when they requested a quote.

Other popular car insurance companies serving Round Rock, Texas: AIG, Allied Group, American Family, Amica Mutual, Country Financial, Erie, Hartford, and Mercury.

Top 10 Vehicles in Round Rock

These are the most common car makes and models owned by Round Rock, TX drivers who requested quotes through QuoteWizard last year.

  1. Ford F150
  2. Kia Soul
  3. Ford Mustang
  4. Honda Accord EX/LX
  5. Toyota Camry LE/XLE/SE
  6. Honda Civic LX
  7. Ford Ranger
  8. Toyota Rav4
  9. Dodge Ram 1500
  10. Honda CR-V EX
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Minimum Car Insurance Requirements in Round Rock, TX

Round Rock, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $30,000
    The maximum your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000
    The most your carrier will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000
    The total amount your insurance company will pay for property damage caused by a car accident.

Driving Conditions

Driving condition like weather and traffic congestion can influence your insurance rates.

Round Rock drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Weather

Weather in Round Rock tends to be warm and humid. Its summers are long and hot, and it has no dry season. Residents here get to enjoy around 232 sunny days every year. They also get to bask in temperatures that top 96 degrees during the season’s hottest month. Unfortunately, the area’s also prone to heavy rains and flash floods. The latter damages a lot of roads and vehicles. It also causes local car insurance rates to be higher than average.

Road Conditions

TRIP reports that Austin drivers waste as much as $706 a year on fuel, time, and car repairs due to the large number of potholes and ruts, as well as the rough street conditions. Also, 28% of the region’s major roads are in poor condition and need immediate repair. Another 62% of roadways are rated mediocre. Because Round Rock is located only 18 miles away from Austin, the two cities have similar road conditions.

Traffic Congestion

Traveling along Interstate 35 can be stressful for Round Rock residents. This highway sees a lot of traffic congestion from Austin all the way to San Antonio. According to TomTom's annual traffic index report, Austin is the 21st worst city in the US for traffic congestion. The average driver spends an extra 30 minutes per hour and 115 hours a year stuck in traffic during rush-hour commutes that last at least 60 minutes.

Moving Violations

Moving violations like speeding, failure to yield, or drunk driving will hurt your driving record and raise your rates.

Traffic Tickets

The City of Round Rock Municipal Court website allows you to pay traffic citations, tells drivers how to request and extension on tickets, and provides helpful traffic court information.

In 2014, the city’s police department issued 5,931 traffic citations.

DWI Arrests

The Round Rock Police Department arrested 10 drivers for suspicion of driving under the influence in 2014.

SR-22 DWI Insurance

If you've been convicted of a DWI and need an SR-22 form, request a quote. We will connect you with local insurance agents from top insurance companies that specialize in Round Rock DWI insurance.

Car Accident Statistics

Round Rock officials reported 8,300 car crashes in 2016. These crashes resulted in 952 injuries, 52 of them incapacitating.

DWI Crashes and Injuries

Round Rock reported 111 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 72 injuries but no fatalities.

Traffic Fatalities

Round Rock experienced six fatal collisions in 2016 resulting in seven deaths in motor vehicle crashes.

This works out to a fatality rate of 5.79 per 100,000 residents. All traffic deaths are a tragic loss, and considering Pasadena's estimated population of 120,892, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Round Rock reported 46 vehicle thefts in 2016. This is a rate of 0.40 per 1,000 residents, well below the national rate of 2.20 stolen cars per 1,000 people.

Save With Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to driver in Round Rock, TX. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling is one of the best discounts and can reduce your rates by as much as 15%
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
  4. Married or getting married soon? Some insurers offer a discount to married couples
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  7. Live in a safe zip code with low crime and good drivers that file fewer insurance claims
  8. Drivers 55 and older can qualify for the senior discount and the 55 and retired discount
  9. Get a new car with advanced safety features like electronic stability control or anti-lock brakes. If the car has anti-theft devices or a car alarm system you can save even more
  10. Shop around and compare low-cost Round Rock car insurance quotes to discover all the discounts you qualify for

Sources:

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