Research discounts
Car insurance discounts
are a great way to reduce your overall premium cost. Here’s a list of common discounts in Round Rock that your provider might offer:Bundling: You can save by bundling your home insurance with your auto insurance policy.
Safe driver discounts: Enrolling in a telematics program that monitors your driving habits could result in discounts of up to 30% on your car insurance.
Payment incentives: Paying your annual premium in full or electronically could lead to significant savings.
Other driver benefits: If your teen excels academically or you're a member of specific organizations, you may qualify for discounts on your insurance rates.
Protect your vehicle against theft
The National Insurance Crime Bureau (NICB) considers Round Rock, TX a crime hot spot when it comes to vehicular theft. In fact, the Austin-Round Rock-Georgetown area reported 6582 vehicle thefts in 2021 alone.
To keep yourself safe from auto theft, consider the following NICB-recommended
tips: Implement simple safety measures: Stay aware of your surroundings, ensure your doors are locked, and avoid leaving your keys in the car.
Choose well-lit and busy parking locations: Opt for areas visible to both pedestrians and surveillance cameras.
Incorporate a GPS tracking system: Enhance the chances of swift recovery in case of theft by installing technology that aids authorities in locating your vehicle.
Install an anti-theft system: Invest in a trustworthy car alarm system equipped with features like motion sensors and loud sirens.
Conceal valuables from view: Keep personal items in the trunk or take them with you to deter theft.
Share a policy with your teen or young driver
Next to those with DUIs or multiple violations on their records, teen drivers
pay some of the highest car insurance rates. As you age and gain driving experience, your rates will decrease. In the meantime, to keep costs low, parents should consider adding young household members to their existing policies.
Sharing a policy also comes with the added perk of qualifying for more car insurance discounts.
Average car insurance rates by age (18-34)
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Methodology
All quotes shown in this article are real auto insurance quotes obtained through the Jerry app for the following profile:
Drivers: 33-year-old female
Vehicles: 2018 Ford Focus Se, 35 miles driven daily
Homeowner status: Homeowner
All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle.
Minimum coverage refers to policies with the following coverage limits:
$60,000 of bodily injury liability per accident
Full coverage refers to policies that contain at least the minimum liability, plus personal injury protection (PIP)
, uninsured/underinsured motorist coverage
, and comprehensive
and collision
insurance with deductibles of either $500 or $1,000. Sources
FAQs
Who has the cheapest car insurance in Texas?
There is never a single “cheapest” insurer anywhere. The cost of your premium depends on your personal information, vehicle, selected coverage levels, claims history, and other factors.
How much is car insurance in Texas per month?
On average, you’ll pay $53 per month for a minimum coverage policy and $130 for full coverage.
How can I lower my car insurance in Texas?
To lower the cost of car insurance in Texas, sign up for discounts, preserve a good driving history, or raise your deductible. However, the fastest and easiest strategy to cut down your insurance costs is to compare rates between different providers.
What do I need to provide to get car insurance in Texas?
To get car insurance in Texas, you need to provide your personal information, including your name, address, and driver’s license number. You also need to provide details about your vehicle(s), including makes, models, and VINs.
What are the different types of car insurance in Texas?
In Texas, the minimum car insurance requirements include $30,000 of bodily injury liability (BIL) per person, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability (PDL).
Additional coverage options like personal injury protection, uninsured/underinsured motorist coverage, collision, and comprehensive coverage are available for added protection based on individual needs.
Does Allstate or State Farm have cheaper insurance?
While your quotes with both car insurance companies will depend on your driver profile, on average, State Farm tends to offer more affordable insurance coverage than Allstate.