Cheap Car Insurance in Round Rock, TX
Everything You Need to Know About Auto Insurance in Texas
Round Rock is a great place to call home, with a population of approximately 126,000 residents. It is known for being home to the Dell Technologies headquarters, and offers a blend of family-friendly atmosphere, history, and a vibrant downtown scene. Whether you’re exploring the Brushy Creek Lake Park or enjoying a game at the Dell Diamond stadium, Round Rock showcases a blend of modern amenities and small-town charm.
When you’re enjoying the local parks, exploring the outlets, or dining at one of the city’s many restaurants, having the appropriate vehicle coverage provides peace of mind. Freeway Insurance assists you in finding the best rates and discounts for your car insurance in Texas, ensuring that you can fully enjoy all that Round Rock has to offer without worrying about the unexpected. Keep reading to discover the keys to protecting yourself and what matters most on the road.
How Much Does Car Insurance Cost in Round Rock, Texas?
When you’re searching for car insurance in Rockport, you’ll notice that the average cost for basic liability auto coverage is around $45 per month. That’s $7 below the national average of $52 and $2 less than the average in Texas, which is $47.
If you decide to go for full coverage car insurance in this area, you can expect to pay around $147 per month. That’s $22 less than the Texas average of $169 and $21 less than the national average of $168.
What Does Full vs. Minimum Mean?
Understanding car insurance coverage can be complicated, but we’re here to help simplify it for you. Full coverage gives you increased protection across a variety of scenarios, safeguarding both you and your vehicle against liability, collisions, and comprehensive incidents. This encompasses a wide range of potential events that may occur on or off the road, such as vandalism while parked, falling objects, theft, or weather-related damage, providing you with enhanced peace of mind.
Minimum coverage, on the other hand, is the most basic auto insurance plan available, providing only state-required liability coverage. It typically has more limitations and may not cover certain expenses, such as repairs for your own car, and includes coverage solely for injuries and damages to third parties.
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Affordable Car Insurance Rates Comparison by Cities in Texas
The next table shows the typical premiums for individuals in Round Rock compared to other locations in Texas.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Round Rock | $147 | $45 |
| McAllen | $180 | $72 |
| Grand Prairie | $175 | $52 |
| San Antonio | $167 | $51 |
| McKinney | $158 | $46 |
Affordable Round Rock Car Insurance Rates by Zip Code
Your zip code can actually impact how much you pay for your insurance premiums. Carriers take multiple factors into account when setting your rates, including crime rates, population density, weather, and climate within your location. So, keep it in mind when on the hunt for your car coverage.
Here’s a chart showing the average amount drivers in Round Rock pay by zip code.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 78664 | $147 | $45 |
| 78665 | $147 | $45 |
| 78681 | $151 | $46 |
| 78728 | $149 | $47 |
Low-Cost Car Insurance Rates by Age in Round Rock
Car insurance for younger drivers can be more expensive compared to older age groups. The reason behind that is teens and young drivers tend to file more claims which makes them a higher risk for carriers. This ultimately results in higher premiums for them.
The chart below displays the average monthly premiums in Round Rock by age group. Take a look to see where you fit.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $651 | $227 |
| 20s | $331 | $108 |
| 30s | $147 | $45 |
| 40s | $137 | $43 |
| 50s | $129 | $42 |
| 60s | $125 | $40 |
| 70s | $145 | $50 |
We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.
Driving Conditions in Round Rock
How Many Fatal Accidents Happen in Round Rock?
In Round Rock, thousands of crashes occur every year, underscoring the importance of learning how to avoid the most common car accidents to prevent your insurance premiums from being impacted. To better grasp the severity of this situation, consider the statistics shared by the Texas Department of Transportation. In 2020, there were a total of 2,146 crashes, resulting in 6 fatalities. The following year, in 2021, the number of crashes rose to 2,569, with 7 proving fatal. In 2022, the number of crashes further increased to 2,954, resulting in 6 fatalities.
How Are the Road Infrastructure and Bridges in Round Rock?
Currently, the bridges, streets, and other infrastructure in Round Rock are undergoing construction as part of the Transportation Master Plan. This plan outlines various projects scheduled over a 10-year period aimed at reaching optimal conditions. These initiatives involve repaving, widening streets, building bridges, creating dedicated lanes for cyclists and pedestrians, and implementing other significant improvements.
Recently, the city celebrated the opening of a new section of Kenney Fort Boulevard, a six-lane divided arterial roadway project carried out in collaboration with Williamson County. This project is set to be completed by 2026.
Minimum Car Insurance Requirements in Round Rock
When it comes to liability auto insurance in Texas, Round Rock follows the same requirements as the rest of the Lone Star State. Essentially, all Texas auto plans must include:
- A minimum of $30,000 per person and $60,000 per incident for bodily injury and death liability insurance
- A minimum of $25,000 per incident for property damage liability coverage
What Are the Penalties for Driving Without Insurance in Round Rock, Texas?
Have you ever wondered what happens if you are pulled over and fail to show proof of car insurance? In Texas, driving without valid auto coverage is a serious offense that can result in steep fines and penalties.
The consequences for first-time offenders include:
- Fees up to $350.
- An annual driver’s license surcharge of $250 for three years.
Repeat offenders face harsher penalties:
- Fines up to $1,000 per offense.
- Additional annual surcharges of $250 on the driver’s license for three years for each subsequent violation.
- Possible vehicle impoundment with retrieval fees.
- Up to six months in jail if involved in an accident.
To avoid these problems, ensure your auto plan meets or exceeds state requirements. This not only provides necessary coverage but also allows you to drive confidently within the legal bounds.
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Factors Allowed in Round Rock Car Insurance Rates
In addition to your age, city and zip code, many factors affect car insurance rates. Carriers also consider:
- Your marital status: Being married can sometimes mean lower rates because statistically, married folks tend to have fewer accidents.
- Driving history: Keep a clean slate on the road, and you might just see your rates drop.
- Vehicle type: Insuring a sedan is usually cheaper than an SUV.
- Deductible amount: Opting for a higher deductible could mean paying lower premiums, while a lower deductible might result in higher premiums.
- Your job: If your job involves a lot of driving, your rates could be affected, so they keep an eye on that too.
What Happens if I Damage Property?
In Texas, if you accidentally damage someone else’s property with your car, you are required to take financial responsibility for repairing or replacing the damaged property. Whether it’s a vehicle, a tree, a traffic light, or even a building, your liability insurance can assist in covering the costs up to a certain limit. It’s crucial to keep this in mind to be prepared for any unexpected expenses that may arise in the event of an accident.
If you also want to protect your own vehicle in addition to safeguarding others’ property, then obtaining full coverage insurance is
What Are the Best Discounts for Car Insurance in Round Rock, TX?
Whether you’re a young driver or have a few bumps in your driving record, there are plenty of ways to lower your car insurance.
Most carriers offer various types of auto insurance discounts that can help you save money if you qualify, including:
Bundling or Multi-Policy Insurance Discount: To reduce your overall costs, insure multiple assets with the same carrier, such as auto and renters insurance.
Safe Driver Discount:Keep a clean driving record and enjoy lower insurance rates as a reward for safe driving.
Good Student Discount:Students with good grades can qualify for discounted auto insurance rates.
Upfront Payment Discount: Paying your annual premium in full costs less than monthly payments.
Defensive Driver Course Discount: Completing a defensive driver class can enhance your skills and save you money on premiums.
In addition, you can also get an anti-theft auto insurance discount if you have certain safety features in your vehicle.
Be sure to check with your carrier to determine the discounts you qualify for, so that they can apply those savings to your next invoice. Drive safely and enjoy the extra savings!
Get an Online Quote for Car Insurance in Round Rock Today!
Embrace a worry-free journey in Round Rock with the best car insurance from Freeway. Our policies meet Texas requirements and offer extensive protection wherever you travel. Obtain a free insurance quote online, call us at 800-777-5620 or visit our conveniently located office in Texas to speak personally with our helpful agents. Drive with confidence and make the most of every moment on the road!