Round Rock drivers pay an average of $2,660/year — $889 more than the national average. With 1,542 crashes per year and a 3.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $944/year.
(888) 217-6781Estimated full coverage auto insurance rates for Round Rock, TX from top carriers. Rates are adjusted for Round Rock's 1,542 annual crashes, 3.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $885 | $147/mo |
| GEICO | $1,008 | $168/mo |
| Progressive | $1,138 | $190/mo |
| State Farm | $1,243 | $207/mo |
| Allstate | $1,516 | $253/mo |
Estimates based on 2026 rate filings for ZIP 78664. USAA is cheapest at ~$147/mo. Actual rates vary by driver profile and exact Round Rock location.
These Round Rock-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Round Rock, TX. Takes under 2 minutes.
(888) 217-6781Round Rock is a mid-size city in Texas with a population of 119,468. While it avoids the extreme congestion of larger metros, Round Rock has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in Round Rock typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Round Rock can swing your premium by hundreds of dollars. Here's how rates compare across Round Rock neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 78676 | Round Rock South Side | $2,458/yr | $205/mo |
| 78666 | Round Rock North Side | $2,604/yr | $217/mo |
| 78684 | Round Rock West Side | $2,637/yr | $220/mo |
| 78670 | Round Rock East Side | $2,662/yr | $222/mo |
| 78664 | Round Rock Downtown/Central | $2,827/yr | $236/mo |
The cheapest ZIP is 78676 (Round Rock South Side) at $2,458/yr. The most expensive is 78664 (Round Rock Downtown/Central) at $2,827/yr — a $369/year difference for the same driver.
Your Round Rock ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Round Rock. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,586/yr | $466/mo | +110% vs avg |
| Young Adult (20-25) | $3,724/yr | $310/mo | +40% vs avg |
| Adult (26-35) | $2,660/yr | $222/mo | 0% vs avg |
| Mid-Career (36-50) | $2,341/yr | $195/mo | -12% vs avg |
| Senior (51-65) | $2,208/yr | $184/mo | -17% vs avg |
| 65+ | $2,367/yr | $197/mo | -11% vs avg |
Teens in Round Rock pay an average of $5,586/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,208/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Round Rock drivers can save up to $944/year. ZIP 78676 (Round Rock South Side) has the lowest rates starting at $2,458/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes