How Much Does Auto Insurance Cost in Round Rock, TX?
Round Rock pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Round Rock's diversified economy.See our methodology
Auto Insurance Pricing in Round Rock, TX
In Round Rock, auto insurance costs are 2% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 130K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in auto insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Round Rock: no state income tax in many Southern states helps keep overall costs lower.
Round Rock has moderate permitting requirements. Depending on the scope of your auto insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Round Rock vs National Average
What Affects Auto Insurance Cost in Round Rock?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
Round Rock Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
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Top-Rated Auto Insurance Pros in Round Rock, TX
5 providersElite Contractors
⭐ PREMIUMServing Round Rock and surrounding areas since 2003. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro Property Services
First Choice Plumbing
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Tips to Save on Auto Insurance in Round Rock
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in Round Rock Cost Trends (2020–2024)
Prices have increased +18.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $155 | — |
| 2021 | $162 | +4.5% |
| 2022 | $173 | +6.8% |
| 2023 | $178 | +2.9% |
| 2024 | $184 | +3.4% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in Round Rock
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Why does auto insurance cost different in Round Rock than other cities?
Round Rock's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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