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Buy Car Insurance in Round Rock, Texas (Mar 2024)

Find the best car insurance rates for Round Rock, TX drivers for your needs by working with the Jerry app to compare quotes.
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Kornelia Drianovski
Editorial Intern
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Jessica Barrett, Senior Car & Insurance Editor
The average annual
car insurance
rates in Round Rock, Texas are $112 for full coverage or $43 for minimum coverage. To save on your insurance and find the best coverage options for your needs, download the
Jerry
app to compare auto insurance quotes today. 

Find affordable auto insurance in Round Rock, Texas 

While there are insurers that specialize in providing extra services to their policyholders, there will never be one insurance company that offers the cheapest rates universally.
To find the most reasonable auto insurance rates in Round Rock, TX, you can contact a local insurance agent or work with an
independent online broker
like Jerry, which is often the fastest and most straightforward way to get affordable car insurance.
Follow this process to get your profile up and running and find the auto insurance coverage you need.

1. Download the Jerry mobile app to discover local Round Rock quotes

Simply download the app, input your profile information, and you’ll receive
free quotes
from insurers in your area.
app screenshot
Set up your driver profile by filling out some basic information about you, your family members, and your vehicle.
The more specific you are during the sign-up process, the more accurate your personalized quotes will be.
While visiting an insurance agency in Round Rock is certainly a valid option, you’ll likely only gain access to a limited number of auto insurance companies and deals. As an insurance broker, Jerry partners with 55+ providers, allowing you to check rates with a large number of local Round Rock providers.

2. Compare coverages and carrier costs 

If you’ve added your personal and vehicle information to the app, you’ll automatically receive a list of quotes for varying coverage levels from a range of car insurers. Make sure to compare your available options before signing any policy.
Jerry will show you four different tiers of quotes: 
1. Basic: This includes the bare minimum liability insurance required by Texas state law
app screenshot
2. Basic + full coverage: This extends your coverage to include
comprehensive
and
collision
coverage in addition to the mandatory minimum liability coverage
3. Standard: This includes $50k/$100k/$50k liability coverage and full coverage, plus add-ons like uninsured motorist coverage and medical payments
4. Preferred: This includes $100k/$300k/$100k liability coverage and a range of add-ons like rental reimbursement and roadside assistance
Most customers in Round Rock choose Standard coverage or a
full coverage
policy with higher liability limits. If you’re leasing or financing your vehicle, your lender will require you to have full coverage. 
Take note: The quotes you see on your app may vary from the ones shown here. Rates are individual and based on factors that include your driving history, age, vehicle, credit score, and more. 

3. Input a payment method to confirm your policy 

After finding a rate and coverage level you like, hit “Confirm your rate” and add a payment method. Don’t wait too long to follow up with this step since all quotes are time-sensitive. 
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Once you get a final price on your screen, enter your payment info to buy the policy and activate your coverage.
Keep in mind: While many of Jerry’s partner providers offer same-day coverage, it will take some time to finalize your policy in the app. Most drivers are ready to go in about 1 to 3 hours.
Once you've confirmed your new policy and obtained your digital insurance cards, activate the automatic reshops feature in the app. This allows Jerry to automatically retrieve updated insurance quotes when your policy is due for renewal, when your credit score improves, or when a new local provider joins the app.

The best Round Rock car insurance companies

We asked some real Round Rock, TX policyholders to rate their car insurance providers and a few stood out from the pack.

Progressive Insurance

Years in business: 86
Jerry user rating: 4.2 stars
AM Best rating: A+ (Superior)
Average annual full coverage rate with Jerry: $1,386
Progressive offers plenty of discounts
and has great customer service ratings, making it a favorite among Round Rock drivers. If you’re looking to save on your policy, bundling your car and homeowners insurance with Progressive is a popular option.  
Read our full Progressive Insurance car insurance review
“No complaints here! They are saving me money and the customer service has been awesome. Very happy with my insurance!” —Sara, Round Rock, TX

Travelers Insurance

Years in business: 165
Jerry user rating: 4.5
AM Best rating: A++ (Superior)
Average annual full coverage rate with Jerry: $679
Travelers Insurance offers many coverage options and discounts while keeping the buying process simple for their customers. Many Texas drivers find cheap policies and consistent customer service with them.
Read our full Travelers Insurance car insurance review
“Started using Travelers last year. Their rates are reasonable (especially in the Austin area). Haven’t had to really contact them yet for anything but happy with the service so far!” —Reina, Round Rock, TX

GEICO

Years in business: 87
Jerry user rating: 3.9 stars
AM Best rating: A++
GEICO is an insurance behemoth that has a little bit of everything for most drivers. GEICO generally ranks well for insurance cost and customer satisfaction while providing many discounts to policyholders.
Read our full GEICO car insurance review
“Cheaper than everything.” —Israel, Round Rock, TX
While you might find the cheapest rate from one insurer, your neighbor might not. Weighing your options by meticulously comparing insurance quotes is the best way to find what you’re looking for.

How to reduce your car insurance rates in Round Rock, TX 

Practice defensive driving techniques in high-traffic places

Texas reports high levels of fatal car accidents due to its high population density and tourism industry. In fact, a recent Texas Department of Transportation (TxDOT) report states that a car crash occurs every 57 seconds in the state.1
In Round Rock, TX, accident rates have been rising to pre-pandemic levels.
Year
Fatal crashes
Serious crashes
Possible injury crashes
Total crashes
2022
6
41
470
2948
2021
7
45
578
2574
2020
6
28
297
2152
2019
4
48
379
2738
If you live in a high-traffic area in Round Rock, keep in mind that could be paying higher rates than more remote drivers. Insurers see residents of densely populated cities as a higher risk to insure since the overall rate of accidents and claims is elevated in that location. 
So, to avoid steep rates, keep your record as clean as possible and stay safe behind the wheel by adopting defensive driving strategies:
  • Remain attentive: Don’t text while driving and take breaks if you feel fatigued. Continuously scan the road for hazards, pedestrians, and other vehicles. 
  • Stay in your designated lane: When on the freeway, use the left lane only for passing and avoid frequent lane changes. 
  • Adhere to posted speed limits: Even if you’re in a rush, always drive within the legal speed limit. If you find yourself in a hurry often, try to leave earlier to reach your destination safely. 
  • Maintain a safe following distance: Always keep at least six seconds of space between you and the vehicle ahead, and make it even longer if you’re traveling in adverse weather conditions. 
  • Yield to emergency vehicles: If you spot flashing lights in your rearview mirror, move over. If you enter a work or school zone, decrease your speed.

Beware of extreme weather, tornadoes, and flooding

Texas is known for its storm seasons, so Round Rock drivers need to be prepared. According to an Austin, TX risk index, 75% of flood fatalities are automobile-related in the Greater Austin area.2
Here are some cases and how to minimize the risk of getting in a weather-related accident:
  • If it’s a regular thunderstorm: Leave more space between your vehicle and others’. The Texas Department of Insurance recommends that you reduce your speed by one-third in wet or slippery conditions.3
  • If you’re caught in a severe thunderstorm: Have your emergency lights on and move to the side of the road to wait out the storm if possible and safe to do so.  
  • If you spot a tornado: Never try to outdrive a tornado. Park your car, find shelter, and never hide under another vehicle or a bridge. 
Since Round Rock has a heavy rain season, make sure your tires are properly inflated to the correct pressure and that your windshield wipers work properly.

Find a trusted auto repair shop 

Whether you’re an established resident of Round Rock or new to the area, you should have a reliable auto repair shop you visit.
Consistent servicing maintains the reliability of your vehicle while reducing your chances of getting into preventable accidents. This, in turn, keeps your insurance history absent of claims. 
With the Jerry app, you can access features that help you find a trustworthy garage and give you service cost estimates:
app screenshot
The Jerry app can refer you to a reputable local mechanic.
You can also compare different price estimates for common services, such oil changes and tire rotations.

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)
Age
Average annual full coverage rates
18-21
$2876
22-25
$2053
26-34
$1221

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
  • Marital status: Single
  • Location: Round Rock, TX
  • Vehicles: 2018 Ford Focus Se, 35 miles driven daily
  • Driving record: Clean
  • Credit score: 750+
  • 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: 
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.

Meet our experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.