Round Rock Car Insurance

Your Complete Guide to Round Rock, TX, Car Insurance

(And how to find competitive premiums)

Round Rock Texas car insurance

Round Rock, Texas, is known for its award-winning parks and school district. Rich in history and full of life, this city is fast growing. This 123,678 resident town is known as one of the safest cities in the US.

If you are a local in historic Round Rock, you'll want car insurance to use the roadways. On TrustedChoice.com, you can find an independent insurance agent to quote coverage and rates. 

How Much Will Car Insurance Cost In Round Rock, TX?

First, you'll need to know how the carriers figure out your car insurance rates. There are a variety of factors that go into determining your premium, and it may surprise you. If you are interested in lowering your rates, it will help to know what the insurance companies are looking for in an insured. 

Car Insurance Rating Factors in Round Rock:

  • Severe weather patterns
  • Your credit score and insurance score
  • The value and number of vehicles you have
  • The motor vehicle records of all household drivers
  • Your claims history
  • Where you live
  • How long you've had continuous coverage

Car insurance can look different for everyone depending on the above factors. If you are curious about what your Round Rock car insurance rates will look like, it's good to know the average. Let's check out the numbers:

  • National average: $1,005
  • Texas average $1,823

Everything is big in Texas, and that includes car insurance premiums. With the state average coming in higher than the national, you may pay more living in Texas. Remember, your car insurance premiums are specific to you, and you could fall well below the state average. Speak with your independent insurance agent on pricing. 

What Are the Car Insurance Requirements Round Rock, TX?

Each state has a different minimum insurance requirement to use its roadways. If you fail to obtain proper coverage, you could face penalties or worse. 

Round Rock, TX, Car Insurance Requirements:

  • You must have minimum liability limits of $30,000 per person 
  • You must have minimum liability limits of $60,000 per accident
  • You must have minimum liability limits of $25,000 in property damage

The above limits are also known as $30,000/$60,000/$25,000 and are the second-lowest limits you can get. With the average price of a car being over $30,000, you may want better coverage. If you got into an accident with another vehicle, you might not have enough to cover it. Contact your independent agent to find the coverage that works for you.

Other Car Insurance Coverage in Round Rock, TX, and Why You Need It

There are many choices when it comes to car insurance. It all depends on what property you want coverage for and how much. First, you should know what each optional coverage means so that you can make the right decision.

Coverage Options for Your Round Rock Car Policy:

  • Towing coverage: This will pay for a tow of a covered auto.
  • Gap coverage: This pays for the difference in your car loan and your vehicle's market value when totaled from a loss.
  • Rental car coverage: This pays for a rental car in the event yours becomes undrivable from a covered loss.
  • Comprehensive coverage: This will pay for theft and property damage to your vehicle, not classified as a collision.
  • Collision coverage: This pays for property damage to another driver's car in a covered loss. 

To get the most accurate rates and coverage, you'll need an independent agent to run quotes. Your coverage should be customized to your specific insurance needs. A trusted adviser can help with a variety of options for your auto policy.

The Number of Uninsured Drivers in Round Rock, TX

Uninsured drivers are everywhere, no matter where you live. Round Rock, TX, will have its fair share of drivers who choose not to have car coverage. Let's look at the numbers:

  • National average of uninsured drivers: 13.0%
  • Texas average of uninsured drivers: 14.1%

To safeguard yourself and loved ones from this risk is to obtain uninsured/underinsured motorists coverage or UM/UIM. UM/UIM will fill in the coverage gap from a driver who has none or very little car insurance. If you get into an accident with an uninsured driver, UM/UIM will cover the loss so you don't have to pay out of pocket. 

What about Vehicle Thefts in Round Rock, TX?

Theft is always an issue, and your car insurance premiums will be affected by Round Rock's crime rate. It's better to know what you're getting into beforehand, so having the averages could help. 

Car Theft Rate Averages:

  • National average: 2.37
  • Texas average: 2.48
  • Round Rock average: 2.14

Round Rock's theft rate is lower than both the state and national averages. This puts you in a good spot when it comes to car insurance premiums. The lower the crime rate in an area, the better your pricing will be. Connect with an independent agent to find out what your costs are.

Does Your Insurance Cover if You Drive for Amazon in Round Rock, TX?

Most Amazon delivery drivers use their own vehicles when working. With the number of consumers ordering through Amazon or online, the demand for drivers has only increased. If you are considering being a driver for Amazon or another livery service, you need the right protection.

Coverage for your livery services, including delivering packages, people, or food, is excluded under your personal car insurance. These exposures typically need a separate commercial auto policy. 

If you are currently using your personal vehicle to deliver packages for Amazon or another livery service, speak with your agent. Chances are, you need a commercial policy to have the best protection. Contact your local agent to see what coverage options for your business will be.

An Independent Agent in Round Rock, TX

A local independent insurance agent could be your ticket to better coverage and pricing. They work with several insurance carriers so you have options and can find a policy to fit your budget. 

If you need car insurance in Round Rock, there are plenty of independent agents ready to help. Connect with a Round Rock independent agent on TrustedChoice.com and start saving. 

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