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Cheap Car Insurance in Round Rock

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Insurance Agents in Round Rock, TX and Near by

Agents by ZIP code:
  • 0 mi
    Kim Dowdy Insurance Agency
    109 E Main St, Round Rock, TX 78664
    (512) 310-5880
  • 0 mi
    Robert Cardenas
    110 S Lampasas St Ste 1, Round Rock, TX 78664
    (512) 255-5520
  • 0 mi
    Hugo Martinez Jr
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 569-0043
  • 0 mi
    Karen Pryce
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 872-6155
  • 0 mi
    Matthew Rodgers
    206 W Main St Ste 108, Round Rock, TX 78664
    (940) 704-7822
  • 0 mi
    David Sheehan
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 812-3000
  • 0 mi
    James Pursell
    206 W Main St Ste 104, Round Rock, TX 78664
    (512) 255-5555
  • 0 mi
    Karson Rogers
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 529-6704
  • 0 mi
    Kayla Williams Dinardo
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 825-1498
  • 0 mi
    Tammy Kamrud
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 705-6223
  • 0 mi
    William Haynes
    206 W Main St Ste 108, Round Rock, TX 78664
    (512) 635-7025
  • 0 mi
    CECO Insurance
    304 W Main St, Round Rock, TX 78664
    (512) 358-6137
  • 0 mi
    Brookshire Insurance Agency
    306 W Main St, Round Rock, TX 78664
    (512) 218-0262
  • 0 mi
    Warren Sanders Insurance
    400 W Main St Ste 213, Round Rock, TX 78664
    (512) 459-9200
  • 0 mi
    Jerry Morris
    896 Summit St Ste 107, Round Rock, TX 78664
    (512) 960-2566
  • 0 mi
    Juarez Professional Services
    1000 Heritage Circle, Round Rock, TX 78664
    (512) 238-3184
  • 0 mi
    Vernon Fristoe Insurance Agency
    1000 Heritage Center Cir, Round Rock, TX 78664
    (713) 697-0000
  • 0 mi
    Jerry Gentry Insurance Agency
    1000 Heritage Center Cir, Round Rock, TX 78664
    (512) 246-8300
  • 0 mi
    Contractors Insurance Services
    905 N I-35 Ste 101a, Round Rock, TX 78664
    (512) 248-9111
  • 0 mi
    MetLife Auto & Home - Round Rock
    1104 S Mays St Ste 217, Round Rock, TX 78664
    (512) 820-0088
  • 0 mi
    Best Buy Insurance
    1015 S Mays St Ste 102, Round Rock, TX 78664
    (512) 828-4000
  • 0 mi
    Jim Howell
    109 W Palm Valley Blvd, Round Rock, TX 78664
    (512) 255-4120
  • 0 mi
    Calvert Insurance & Financial Services
    107 W Palm Valley Blvd, Round Rock, TX 78664
    (512) 341-7283
  • 0 mi
    Beau Sharpe
    1111 N Interstate 35 Ste 240, Round Rock, TX 78664
    (512) 358-1008
  • 0 mi
    Mitchell Jameson
    806 E Palm Valley Blvd # A, Round Rock, TX 78664
    (512) 255-8808
  • 0 mi
    George Gutierrez
    1305 S Mays St Ste C, Round Rock, TX 78664
    (512) 341-7078
  • 0 mi
    Kathy McClellan
    1311 S Mays St Ste A, Round Rock, TX 78664
    (512) 255-1220
  • 0 mi
    A-Max Auto Insurance
    1701 S Mays St Ste R, Round Rock, TX 78664
    (512) 246-8000
  • 0 mi
    Acceptance Auto Insurance
    1713 S Mays St Ste D, Round Rock, TX 78664
    (512) 248-1199
  • 0 mi
    Stephanie Myers
    102 E Old Bowman Rd Ste B, Round Rock, TX 78664
    (512) 248-1998
  • 0 mi
    Andrew Norris
    1300 Gattis School Rd Ste 500, Round Rock, TX 78664
    (512) 388-7733
  • 0 mi
    Texian Insurance Agency
    1800 N Mays St Ste 102, Round Rock, TX 78664
    (512) 388-0346
  • 0 mi
    Safe Beacon Insurance
    1901 E Palm Valley Blvd, Round Rock, TX 78664
    (512) 535-1918
  • 0 mi
    Phillip Miller
    2003 N Mays St Ste 103, Round Rock, TX 78664
    (512) 292-7941
  • 0 mi
    Billy Moore
    105 E Old Settlers Blvd Ste 111, Round Rock, TX 78664
    (512) 341-0002
  • 0 mi
    Round Rock Insurance
    101 E Old Settlers Blvd Ste 160, Round Rock, TX 78664
    (512) 255-3172
  • 0 mi
    Adam Shingleton
    2201 Double Creek Dr Ste 2004, Round Rock, TX 78664
    (512) 413-9671
  • 0 mi
    Phillip Gunter
    2201 Double Creek Dr Ste 2004, Round Rock, TX 78664
    (512) 565-4446
  • 0 mi
    Fleming & Conway
    2251 Double Creek Dr Ste 201, Round Rock, TX 78664
    (512) 900-3045
  • 0 mi
    Premier Group Insurance - Ricardo Cruz
    3720 Gattis School Rd, Round Rock, TX 78664
    (512) 415-5762
  • 0 mi
    Rick Villarreal
    2301 Red Bud Ln Ste 100, Round Rock, TX 78664
    (512) 345-5252
  • 0 mi
    Jaecks Insurance Agency
    102 S Echols St, Round Rock, TX 78664
    (979) 567-4408
  • 2.77 mi
    Premier Group Insurance - Jared Norrell
    745 Brent Wood Pl, Round Rock, TX 78665
    (512) 415-5762
  • 2.77 mi
    Scott McLeod
    2851 Joe Dimaggio Blvd Ste 15, Round Rock, TX 78665
    (512) 792-3000
  • 2.77 mi
    Ted Heaton
    2851 Joe Dimaggio Blvd Ste 3, Round Rock, TX 78665
    (512) 615-8774
  • 2.77 mi
    TK Insurance Services Agency
    3800 Joe Dimaggio Blvd 75, Round Rock, TX 78665
    (512) 970-9264
  • 2.77 mi
    Janie Morman
    3000 Joe Dimaggio Blvd Ste 1, Round Rock, TX 78665
    (512) 246-6500
  • 2.77 mi
    Michael Derek Kilgore
    3000 Joe Dimaggio Blvd Ste 42, Round Rock, TX 78665
    (512) 763-4670
  • 2.77 mi
    Lawhorn & Moore Insurance Brokers
    3000 Joe Dimaggio Blvd Ste 12, Round Rock, TX 78665
    (512) 246-9955
  • 2.77 mi
    Texas Farm Bureau Insurance
    3000 Joe Dimaggio Blvd Ste 20, Round Rock, TX 78665
    (512) 341-9880
  • 2.77 mi
    Goosehead Insurance - Robin Moore & John Moore
    3000 Joe Dimaggio Blvd Ste 12, Round Rock, TX 78665
    (512) 628-9566
  • 2.77 mi
    AAA Insurance
    201 University Oaks Ste 750, Round Rock, TX 78665
    (512) 248-5150
  • 2.77 mi
    Booker Gilbert
    4000 Sunrise Rd Ste 1200, Round Rock, TX 78665
    (512) 770-6400
  • 2.77 mi
    Kanda Kropp
    581 University Blvd, Round Rock, TX 78665
    (512) 255-7677
  • 2.77 mi
    Matthew Buchanan
    1101 Satellite Vw Unit 204, Round Rock, TX 78665
    (512) 535-6317
  • 2.77 mi
    Danny Ferch
    4332 Teravista Club Dr Unit 34, Round Rock, TX 78665
    (512) 342-2242
  • 5.1 mi
    Michael Bickel
    595 Round Rock West Dr Ste 302, Round Rock, TX 78681
    (512) 535-5657
  • 5.1 mi
    Freeway Insurance
    602 Mcneil Rd, Round Rock, TX 78681
    (512) 620-7023
  • 5.1 mi
    Alejandra De La Torre
    1 Chisholm Trl Ste 3150, Round Rock, TX 78681
    (512) 244-3311
  • 5.1 mi
    Greg Meyer
    600 Round Rock West Dr Ste 205, Round Rock, TX 78681
    (512) 255-3672
  • 5.1 mi
    Goosehead Insurance - Paul D'Spain
    555 Round Rock West Dr Ste E-219, Round Rock, TX 78681
    (512) 363-8609
  • 5.1 mi
    Parke Moyer
    555 Round Rock West Dr Ste E212, Round Rock, TX 78681
    (512) 247-8573
  • 5.1 mi
    Mark Saunders
    1110 Ih 35 N Ste 200, Round Rock, TX 78681
    (512) 218-8595
  • 5.1 mi
    Robert Elander
    1205 Round Rock Ave Ste 117, Round Rock, TX 78681
    (512) 244-0062
  • 5.1 mi
    Drew Kralich
    1100 Round Rock Ave Ste 100, Round Rock, TX 78681
    (512) 671-3739
  • 5.1 mi
    Insurepointe of Texas
    1311 Chisholm Trl Ste 404, Round Rock, TX 78681
    (512) 246-6475
  • 5.1 mi
    Bill Muench Insurance
    1315 Sam Bass Cir Ste B2, Round Rock, TX 78681
    (512) 388-4633
  • 5.1 mi
    Greg Hart
    1315 Sam Bass Cir Ste B4, Round Rock, TX 78681
    (512) 331-5610
  • 5.1 mi
    Mark Lyne
    1970 Rawhide Dr Apt 210, Round Rock, TX 78681
    (512) 432-5414
  • 5.1 mi
    Charlie Sanchez
    1970 Rawhide Dr Apt 210, Round Rock, TX 78681
    (512) 251-7847
  • 5.1 mi
    Marcos Esparza
    301 Hesters Crossing Rd Ste 208, Round Rock, TX 78681
    (512) 341-7719
  • 5.1 mi
    Daniel Ruiz
    1920 Sam Bass Rd Ste 800, Round Rock, TX 78681
    (512) 248-1799
  • 5.1 mi
    Don Hughes
    110 Ih 35 N Ste 325, Round Rock, TX 78681
    (512) 244-7727
  • 5.1 mi
    Chafin Insurance Agency
    3401 Royal Vista Blvd Bldg A-101, Round Rock, TX 78681
    (512) 906-2024
  • 5.1 mi
    Webre Sherrill Insurance Advisors
    3401 Royal Vista Blvd Ste 100 Bldg B, Round Rock, TX 78681
    (512) 255-1015
View all agents ↓

Learn More About Car Insurance in Round Rock, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.