Cheap Auto Insurance in Round Rock, TX

Drivers looking for cheap auto insurance in Round Rock, TX can find it difficult, however, it’s not impossible. Although Texans pay more for coverage averaging more than $1,900+ per year, there are cheap car insurances available. The average American pays $1,449 per year, meaning that Texans have to get creative when it comes to finding affordable car insurance.

Insurance rates vary depending on a variety of factors. There are some factors that you can control, and there are others that are out of your control. The more you learn about these factors, the better you will be able to estimate the cost of your coverage.

When you choose the right auto insurance policy, you’ll get protection, but you shouldn’t have to pay a fortune for it. Freedom Insurance Group serves drivers, not brands. This allows us to provide the lowest rate possible while creating a custom form of protection for your vehicle. Discover how we provide more protection at a lower cost to drivers in Round Rock, Texas.

The Average Monthly Cost of Auto Insurance in Round Rock, Texas

Many factors go into the amount you’ll pay for car insurance in Round Rock, Texas. This breakdown of individual factors can help guide you to a general idea of what you can expect to pay monthly for your premium:

Average Monthly Auto Insurance by Age

Age Range	Av. Premium
Under 18	$221
18-24	$91
25-34	$53
35-44	$51
45-54	$45
55-64	$43
65+	$41

Average Monthly Auto Insurance by Vehicle

Vehicle Age	Av. Monthly Premium
Less than 1 Year	$61
2-3 Years	$67
4-5 Years	$53
6-7 Years	$50
8-10 Years	$56
11-14 Years	$59
15 Years or older	$57

Average Monthly Auto Insurance by Carrier

Rank	Company	Av. Monthly Rate
1	Progressive	$75
2	Allstate	$91
3	Travelers	$94
4	Kemper	$95
5	Bristol West	$99
6	Safeco	$107
7	Infinity	$109
8	Gainsco	$132
9	Others	$141+

Average Monthly Auto Insurance by Housing Status

Housing Status	Av. Monthly Premium
Own	$48
Rent	$60
Live with parents	$118

Average Monthly Auto Insurance by Relationship Status

Relationship	Av. Monthly Premium
Single (never married)	$60
Married	$51
Divorced	$51
Widowed	$44

Average Monthly Auto Insurance by Driving Record

Infractions	Av. Monthly Premium
1 accident	$80
Multiple accidents	$92
1 Ticket	$85
Multiple tickets	$150

Did Auto Insurance Rates Go Up in Round Rock, Texas?

Yes, cheap auto insurance in Round Rock, TX is getting harder to find due to many reasons. This includes economic trends, the personal factors of each driver, and statewide driving trends. Learn about the factors affecting the auto insurance premiums for Texans:

Population Density

Round Rock has become one of America’s fastest-growing cities adding tens of thousands of new residents to its population each year. As a part of both Williamson County and Travis County, residents are pulled to the area for its high quality of living for families, strong economic outlook, and close proximity to larger city amenities.

In Texas, urban areas grow at a rate of 84%. This is more than the national average of 80% and in terms of auto insurance, means higher premiums. This is because more people in the denser areas means drivers are at a higher risk of submitting a claim due to an accident, grand theft auto, or vandalism. Texans have their vehicle stolen more than 65,000 each year.

Higher Speed Limits In Texas

Texans are in a rush and have lots of ground to cover. When not in peak traffic hours, this becomes evident, especially when traveling to Seguin on State Highway 130. Here, the speed limit is the highest in the nation reaching 85 MPH. The Lone Star State also has the fastest overall average speed limit clocking in at 75 MPH. Because of this increase in speed also increases the risk of a severe or fatal car accident, auto insurance companies calculate higher rates for your premium.

Uninsured Motorists

A higher percentage (15%) of Texan drivers lack liability insurance than the national average. Due to a higher risk of being involved in an accident with someone without adequate coverage, Texas drivers with adequate coverage pay a higher premium.

Longer Commutes in Texas

The average commute for drivers in Round Rock, TX is nearly 28 minutes. While in line with the national average, it’s not nearly low enough to help produce the cheapest car insurance you can find. A simple trip on I-35 heading to or from Austin can help any driver understand that the area is filled with opportunities for traffic.

The more traffic you have, the more vehicles you’ll be around and increase your chance of an accident while also increasing your time on the road. This sadly means that auto insurance companies view the area negatively and increase rates as a result.

Natural Disasters

Affordable car insurance is made more difficult due to the natural disasters that occur in Texas. For drivers in Round Rock, TX, living in “Flash Flood Alley” isn’t helping. There are wildfires in the area not to mention intense thunderstorms that can bring hail and tornadoes. But even disasters in other portions of the state such as tropical storms and hurricanes can harm Texans overall looking for cheap car insurance.

Personal Factors

Several factors are used by auto insurance companies to assess your rate, including your age, your location, your driving record, the type of vehicle you drive, your coverage needs, etc. Your insurance premiums will increase the higher your risk is based on these factors.

While each brand determines your rates based on these types of personal factors, the method of calculation may vary. You’ll notice that even for the same coverage, the quotes you receive from different companies will differ.

Auto-Insurance-Cost-Factors-League-City-TX

Discounts for Round Rock, TX Car Insurance

A good car insurance policy will protect you and save you money at the same time. There are several types of car insurance discounts, and while you may not qualify for all of them, you will likely find something that suits your needs. Here are some of the most common discounts you can take advantage of to enroll in cheap auto insurance in Round Rock, TX:

Bundling Discount

Having multiple auto insurance policies bundled offers some of the best discounts. You can maximize your savings and protection by bundling your homeowners and renters insurance policies with an auto policy. If you have more than one vehicle in your household, you may qualify for a multi-policy discount. When drivers insure multiple vehicles they can save 5% and drivers that purchase multiple insurance policies through bundling can save an average of 12% when using Progressive.

Potential Savings: 1% – 17%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Billing Discount

When you enroll in automatic billing or online billing, you can get a lower bill through discounts. You can also pay less for paying your premium upfront instead of monthly. Such discounts are available through Allstate and virtually every provider in Texas.

Potential Savings: 2% – 25%

Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

New Customer Discount

If you’re new to an auto insurance brand, you may receive a discount, and the farther in the future you make the switch, the higher your discount will be. This is why it’s important to get an auto insurance quote as soon as you can when switching. Travelers is a popular brand for this discount in Round Rock, Texas. They offer as much as 10% off, though other brands may provide even more savings.

Potential Savings: 5% – 15%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

Insurance companies are all about managing risks and because some occupations are less likely to be in an accident, they offer discounts. These factors are also calculated into your auto insurance premium allowing you to save. Texans love both Safeco and Progressive for these savings.

Potential Savings: 10% – 20%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

If you keep your auto insurance policy current for at least six months, you can qualify for discounts from companies such as Progressive in Texas. Staying insured helps you avoid penalties for lapsed coverage and lowers your risk of a financial hurdle that comes from having no insurance and being involved in an accident.

Potential Savings: 5% – 25%

Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

Due to their increased risk of causing an accident, young drivers pay high insurance premiums. Getting discounts on auto insurance can be obtained by maintaining good grades (“B” average or higher). There are discounts up to 20% available to students who earn good grades. Young drivers in Round Rock, Texas can save up to 15% through this Progressive discount. You may be able to save more money with other brands depending on a variety of factors.

Potential Savings: 5% – 20%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

The best car insurance for young drivers will always come from finding the right discounts. Young drivers that go away to college that is at least 100 miles away from their vehicle in need of insurance can receive a discount. Up to 35% discounts are available with Travelers being a popular choice in Round Rock, Texas.

Potential Savings: 7% – 35%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

It is possible to save money by driving safely, which helps reduce accidents. The terms and conditions vary between brands, but most car insurance companies offer a good driver discount to drivers who don’t submit a claim in a certain period of time. You can get a Safeco discount even if you’ve had a claim or moving violation within the past five years.

Potential Savings: 10% – 30%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

Car insurance companies use a variety of different technologies to analyze and track the driving habits of their customers, including smartphone apps and devices. You can receive savings if you drive safely or drive less. In Round Rock, Texas, you can find the following programs:

Allstate’s “Drivewise”, is a telematics program.
Drivers can earn as much as 30% in savings through Safeco’s “Righttrack” program.
“Snapshot” by Progressive saves drivers an average of $145.
Travelers Insurance’s “Intellidrive”.

Potential Savings: Up to 30%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Mature Driver Discount

If you are age 55 and up, a mature driver discount may be available, however, a senior driving course may be required for qualification.

Potential Savings: 1% – 15%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Car-Insurance-Discounts-Round-Rock-TX

Cheapest Car Insurance Coverages in Round Rock, TX

Choosing the right auto insurance in Round Rock, TX, depends on your needs. In Texas, all drivers are required to carry minimum liability insurance, but everyone’s needs are different. The vehicles of drivers are susceptible to many hazards, which may require additional coverage. In the event of an accident, having your car insured provides financial protection. While minimal coverage may save you money in the short term, the rising costs of labor, parts, medical expenses, and legal fees may make you spend more after an accident without the right policies.

Since 2005, Freedom Insurance Group has been helping drivers in Round Rock find the cheapest car insurance policies that still meet their protection needs. We do so by comparing your rates among many of the best car insurance brands on the market available to Texans. Ask an agent to see how much you can save today and learn more about your coverage options:

Car-Insurance-Coverages-Round-Rock-TX

From finding our clients the cheapest comprehensive car insurance to compliment their liability coverage to gap insurance and more, we help you find the right coverage for your needs. Our agents offer cheap full coverage insurance, the bare minimum, and much more. Your needs are unique to you, and we at Freedom Insurance Group believe you deserve an insurance policy that reflects this.

Who Has the Cheapest Auto Insurance in Round Rock, Texas?

Because of the different personal factors that we’ve discussed above and the method used to assess them are different from company to company, the best car insurance rates will vary from person to person. Cheap auto insurance in Round Rock, TX is best found through comparison shopping.

Discounts can help you save and bundling is a powerful tool, but you’ll want to shop around before enrolling in your coverage. One brand may offer great savings for your neighbor while another may be right for you. Auto insurance in Round Rock, Texas doesn’t have to break the bank and the best way to pinpoint the best policy for your needs is to compare many different brands for your coverage.

Zip Codes in Round Rock, TX We Serve

78664
78665
78680
78681
78682
78683
78728

We help drivers throughout Round Rock, Texas, so if you don’t see your zip code listed, not to worry, our agents can still help you find the cheapest auto insurance available!

Cheap Car Insurance Quotes in Round Rock, TX

We at Freedom Insurance Group are here to help you navigate the many brands of car insurance available in Round Rock, TX in search of one that offers protection, is reliable, and can best suit the needs of you and your family.

By partnering with 25+ top car insurance brands, we give our clients the best options at the lowest price. Our clients save an average of 40% on their car insurance costs.

Our agents pinpoint the specific coverage needs you have and match them with affordable auto insurance policies. No matter what your need, our agents are here to help and can help you save while staying covered.

Since 2005, we’ve helped provide cheap auto insurance in Round Rock, TX that keeps drivers covered for less. Cheap auto insurance online quotes are only a few clicks away. See how much you can save and contact one of our agents today!

No matter what your auto insurance needs, we’ve got you covered. But Freedom Insurance Group offers much more than just cheap auto insurance in Round Rock, TX. Learn more about the various Texas Insurance Services provided to our clients: