Best cheap car insurance in Round Rock for 2022
The average annual cost of car insurance in Round Rock is $527 for Texas state minimum coverage and $1,681 for full coverage, including collision and comprehensive coverage. Geico offers the cheapest average annual minimum coverage auto insurance rates in Round Rock, according to data pulled from Quadrant Information Services, while Travelers offers the cheapest average annual full coverage premiums.
Bankrate analyzed average car insurance rates from Quadrant to find the most competitive rates in Round Rock. We also looked at other indicators of quality, such as the level of customer service you can expect and the range of optional coverages, to determine the best car insurance companies in Round Rock.
Best car insurance companies in Round Rock
After determining the average cost of car insurance in Round Rock for each of the companies writing policies there, we looked at their rating on J.D. Power’s annual auto insurance study for Texas. This influential ranking system indicates how highly each company values its customer relationships. We also looked at the range of coverage options available to customize your policy, as well as the available discounts that can lower your premium. Lastly, we reviewed each company’s website to see if they made it easy to do business online.
|Insurance company||J.D. Power auto insurance study score (Texas)||Average annual premium for minimum coverage||Average annual premium for full coverage|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
Geico has some of the cheapest car insurance in Round Rock on our list, with its average annual minimum coverage priced at more than $100 below the region’s average. Geico frequently advertises its low rates, and it is a good company to get a quote from if saving money is your top priority.
Geico does not offer many ways to customize your policy, but it does have a generous discount list. Some of these provide significant savings. If your car has airbags, for example, you may save up to 23% off your premium. According to its website, if you insure more than one car with the company, you could save up to 25%.
Learn more: Geico insurance review
Mercury is a regional insurer that does business in 11 states, including Texas. Although it is not rated by J.D. Power’s regional ranking, it does have an A- rating with the Better Business Bureau. Its website is a little sparse: you cannot, for example, file a claim online.
In addition to common add-ons such as collision and comprehensive coverage, you may also customize your Mercury auto insurance policy by including roadside assistance or ride-hailing insurance if you drive for Uber, Lyft, or another rideshare company. It offers a reasonable list of discounts to help you lower your premium.
Learn more: Mercury insurance review
Nationwide’s average annual rate for full coverage car insurance was the lowest on our list, and its rate for minimum coverage was also reasonable. It is one of the most affordable insurance companies in Round Rock, and it costs nothing to ask for a quote from the company. The company was not ranked in J.D. Power’s auto insurance study for the Texas region in 2021.
Nationwide’s optional perks are worth reviewing. It features accident forgiveness and roadside assistance as optional coverages, as well as a vanishing deductible that takes $100 off your deductible for every year you are claim-free. There is a decent list of discounts to help potentially keep your rates down, so it is worth looking into to see which savings you qualify for.
Learn more: Nationwide insurance review
As the largest auto insurer in the U.S., State Farm is one of our picks for the best car insurance companies in Round Rock. Although its rates were at the higher end among our chosen companies, they were still at or below Round Rock averages. The company’s website is one of the best we have seen, with an informational blog and all the tools you need to manage your account online.
State Farm offers plenty of coverage options, such as car rental insurance and rideshare coverage. It also provides a handful of discounts to help you save, including the Drive Safe & Save program that may earn you a discount of up to 30% if you are a careful and safe driver.
Learn more: State Farm insurance review
If you are one of the military members stationed in the Round Rock/Austin area, you might want to consider putting USAA towards the top of your list when asking for auto insurance quotes. The company sells policies only to servicemen and women, veterans and their families. It has a strong reputation for customer service, as seen in its J.D. Power score (although not officially ranked). Its website features a robust online community that can assist with insurance queries and more.
USAA’s coverage options are average: roadside assistance, rental reimbursement and a few more. It does have some unique discounts geared toward those in the military. Save 15% on your comprehensive coverage, for example, by garaging your car on base. According to its website, if you are deployed and will not be driving for a while, you can save up to 60%.
Learn more: USAA insurance review
Cheapest car insurance in Round Rock
Not surprisingly, there is an overlap between our list of the cheapest car insurance and our list of the best car insurance in Round Rock. Price is obviously one of the most important characteristics in determining the insurance companies in Round Rock that you might want to consider. Remember that the average cost of full coverage in the city is $1,681, below the overall Texas average of $1,823, but is in line with the national average, which is $1,674.
If cost is your primary consideration, we suggest you start your search with Geico and, if you are military, USAA. Nationwide may also offer you a low rate. If good, efficient customer service is what you are looking for, consider State Farm or Geico when researching your options. Mercury’s discounts make it a good choice, and if doing business online or via an app is your primary concern, State Farm should be on your radar.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Round Rock insurance requirements
Like most states, Texas requires you to carry a minimum amount of liability coverage in order to drive legally on public roads. The legal requirement is usually written 30/60/25, which means the following:
- $30,000 of bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 in property damage liability per accident
The Texas Department of Insurance recommends that you don’t stop at minimum liability but purchase as much coverage as you can afford. Suppose the other driver’s car is totaled in a multi-vehicle accident. In that case, the minimums may not cover you completely, and you would still be liable for anything over what your insurance would cover. Many insurance experts recommend purchasing 100/300/50 in liability coverage, but you should speak with a licensed insurance agent to determine the right amount of car insurance for your needs.
You may also be required to carry optional collision and comprehensive coverage if you have a car loan or lease your car. Another type of insurance to consider is uninsured motorist coverage, which protects you if you are in an accident with a driver who is not adequately insured. Insurance companies in Texas are required to offer it, and if you decide you do not want it, you must reject it in writing.
Car insurance discounts in Round Rock
To ensure you are getting the best rates on your auto insurance, ask your agent about discounts. Almost every insurer offers at least a few, and they can save you a significant portion of your premium costs if you are eligible. Here are a few of the more common ones in Round Rock.
- Driver education: Taking a state-approved driver education class can save you money if you are 50 years of age or older.
- Usage-based (telematics): Install an app on your smartphone that monitors your driving in real-time, and you can save up to 30% with some companies if you prove to be a safe and careful driver.
- Anti-theft devices: Car alarms and steering wheel locks, among other items, can save you money on your comprehensive coverage, which pays for theft.
- Good student: Young drivers with a “B” or higher average may be offered a discount. There may also be one for drivers who are attending college more than 100 miles from home.
- Bundling: Possibly the most common discount, you can typically save a significant amount for purchasing your car insurance from the same company that holds your homeowner or renter policy.
Frequently asked questions
What is the best car insurance company?
A little research can help you find the best insurance company for you. Consider the best car insurance companies that are writing policies today and ask for quotes from several of them. See who gives you the cheapest price — and the best service — and then pick one based on your consideration.
How much does car insurance in Round Rock cost?
The average cost of car insurance in Round Rock is $527 for minimum and $1,681 for full coverage. Your own premium cost will likely be different from this, because it is based on personal data including your age, where you live and the type of car you drive.
How much car insurance do I need in Round Rock?
You need at least 30/60/25 to drive legally in Texas. If you can afford it, however, most insurance experts say you should consider increasing your liability as much as possible so you are covered in the event of a serious accident. If you have a newer car, you should also consider collision and comprehensive coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.