Round Rock’s average annual car insurance cost is $527 for Texas minimum coverage and $1681 for full coverage including collision and comprehensive. According to data from Quadrant Information Service, Geico has the lowest average annual minimum coverage for auto insurance in Round Rock. Travelers, however, offers the most affordable average annual full coverage premiums.
Bankrate looked at the average car insurance rates for Quadrant in order to determine 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.
Round Rock’s best car insurance companies
After determining the average price of Round Rock car insurance for each company writing policies there, the rating of those companies on J.D. The Texas annual auto insurance study by Power. This ranking system shows how much each company values customer relationships. We also examined the variety of coverage options that you have to personalize your policy and the discounts that may be available to lower your premium. We also looked at the websites of each company to determine if it was easy to do business online.
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 is known for its low rates and is worth a quote if you are looking to save money.
Geico does not offer many ways to customize your policy, but it does have a generous discount list. These can result in significant savings. For example, airbags in your car could save you up to 23% on your premium. According to the company’s website, you can save up to 25% if you have more than one vehicle insured with them.
Mercury Insurance is a regional insurance company that operates in 11 states, including Texas. J.D. Although Power is not rated by J.D., the Better Business Bureau has given it an A-rating. The website is not very well designed. You cannot file a claim online.
You can also add ride-hailing or roadside assistance to your Mercury auto insurance policy if you are a driver for Uber, Lyft or another ride-sharing company. It offers a reasonable list of discounts to help you lower your premium.
All over the country
Nationwide’s annual average rate for full coverage auto insurance was the lowest. It also had a reasonable rate for minimum coverage. The company is among the most affordable in Round Rock and you don’t have to pay anything to get a quote. J.D. Power’s auto insurance study in Texas for 2021.
Nationwide offers optional perks that are worth looking into. You can choose from accident forgiveness or roadside assistance. There is also a vanishing deductible that reduces your deductible by $100 for each year you are not claiming. 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.
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 rates were higher than those of other companies we considered, they were still within or below the Round Rock averages. We have never seen a better website for a company than this one. It features an informative blog as well as all the tools needed to manage your account online.
State Farm provides many coverage options including rideshare and car rental 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.
You might consider USAA if you’re a military member stationed in Round Rock/Austin. This company only sells policies to veterans, servicemen, and their families. The company has a strong reputation in customer service as demonstrated by its J.D. Although not officially ranked, it has a high Power Score. The website has a strong online community that can help with insurance questions and other matters.
USAA offers a range of coverage options, including roadside assistance and rental reimbursement. There are some special discounts for military personnel. Garaging your vehicle on base can help you save 15% on your comprehensive coverage. According to the company’s website, you can save up 60% if you are deployed but will not be driving for some time.
Round Rock has the lowest car insurance
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. The most important factor in deciding which insurance company in Round Rock you should consider is price. 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 you’re concerned about cost, Geico is the best place to start. USAA is also a good option. Nationwide might also be able to offer a lower rate. Geico or State Farm may be the best options for you if you’re looking for efficient and friendly customer service. State Farm’s discounts make it an attractive choice. If you do business online or through an app, State Farm should also be considered.
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 law requirement is typically written at 30/60/25. This means that the following:
- $30,000 bodily injury liability per individual
- $60,000 per accident for bodily injury liability
- $25,000 per accident in property damage liability
According to the Texas Department of Insurance, you should not limit your liability to minimum coverage. Instead, you should purchase as much coverage and as many options as you can afford. Let’s say the other driver’s vehicle is damaged in an accident involving multiple vehicles. The minimums may not be sufficient to cover you in this case. You would still be responsible for any excess that your insurance would cover. Insurance experts recommend that you purchase 100/300/50 liability coverage. However, it is advisable to speak with an insurance agent licensed to help you determine the right amount for your needs.
If you are leasing or loaning your car, optional collision and comprehensive coverage may be required. Uninsured motorist coverage is another type of insurance you should consider. This protects you in the event that you are involved in an accident with someone who is not sufficiently insured. It is required by Texas insurance companies. If you don’t want it, you can reject it in writing.
Round Rock car insurance discounts
Ask your agent about discounts to ensure that you get the best auto insurance rates. Nearly every insurer offers some discounts, and they may be able to lower your premiums if you’re eligible. These are some of the most common in Round Rock.
- Driver education: If you’re 50 years old or older, taking a state-approved driver training class can help you save money.
- Usage-based (telematics): Install an app on your smartphone thatmonitors 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, steering wheel locks and other items can help you save money on your comprehensive insurance, which covers theft.
- A discount may be given to good students: Drivers who have a B average or higher could receive a discount. Drivers who live more than 100 miles away from their home may be eligible for a discount.
- Bundling: This is the most popular discount. You can often save significant money by purchasing your car insurance through the same company that also holds your renter or homeowner policy.
Questions frequently asked
Which is the best auto insurance company?
You can find the right insurance company by doing some research. Consider the best car insurance companies that are writing policies today and ask for quotes from several of them. Consider which one offers the lowest price and best service, and then choose the one that is most appealing to you.
What is the cost of Round Rock car insurance?
Round Rock’s average car insurance cost is $527 for minimum coverage and $1,681 full coverage. Your premium cost will likely differ from this because it is dependent on your personal data such as age, location, and type of car.
What amount of Round Rock car insurance do you need?
You need at least 30/60/25 to drive legally in Texas. However, insurance experts recommend that you increase your liability as much possible to ensure you are protected in case of an accident. You should also consider comprehensive and collision coverage if you own a newer vehicle.