Rockwall Auto Insurance Rates, Quotes, Agents & Reviews in TX

Rockwall, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Rockwall, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Rockwall, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Rockwall, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Rockwall, TX with that of other cities in and around Rockwall.

Rockwall Northeast Rockwall Rockwall County Heath Northwest Rockwall Fate
Average Insurance Rates $1,443 $1,981 $2,039 $2,293 $2,042 $2,020

Rockwall, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Rockwall, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Rockwall $1,064 $899
Mobile City $1,891 $1,597
Northwest Rockwall $1,618 $1,367
Rockwall County $1,531 $1,293
Fate $1,162 $981
Heath $1,817 $1,535
Northeast Rockwall $1,720 $1,453
South Rockwall $1,862 $1,573

Rockwall, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Rockwall, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,682
20 Years $1,854
30 Years $1,428
40 Years $1,374
50 Years $1,272
60 Years $1,290
70 Years $1,502

Rockwall, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Rockwall, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,482 $404
3 Vehicles $3,723 $606
4 Vehicles $4,964 $808

Savings on 2 Vehicles bundle:$404

Savings on 3 Vehicles bundle:$606

Savings on 4 Vehicles bundle:$808


Rockwall, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Rockwall, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Rockwall $1,443 $2,246
Mobile City $1,836 $2,858
Northwest Rockwall $2,042 $3,179
Rockwall County $2,039 $3,174
Fate $2,020 $3,145
Heath $2,293 $3,570
Northeast Rockwall $1,981 $3,084
South Rockwall $2,102 $3,272

Rockwall, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,238
Excellent (740-799) $1,413
Good (670-739) $1,504
Average (580-669) $1,962
Poor (300-579) $2,354

Rockwall, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,506
Driver's Failure In Showing Documents +$140 $1,583
Driving With An Expired Registration +$149 $1,592
Driving At A Considerably Slow Pace +$313 $1,756
Using A Cellphone While Driving +$330 $1,773
Running A Red Light +$336 $1,779
Speeding +$354 $1,797
Driving A Vehicle Without The Required Permission +$449 $1,892
Driving With An Expired/Suspended License +$973 $2,416

Rockwall, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,385
Active Disabling Device $1,385
Tracking Device $1,356
Passive Disabling Device $1,342

Latest Auto Insurance Reviews in Rockwall, TX | Back to Top

Usaa
I have had a great experience with my car insurance company's customer service. You can always reach them and they are very friendly and helpful.
Usaa
Compared to other companies, USAA is ON the ball. They constantly strive to be better and my premiums are super low compared to quotes I received elsewhere.
Progressive
I have shopped around for car insurance several times, and no other company has beat what I am paying now. No need of leaving a company I have had for so long
Usaa
USAA rates cannot be touched. I checked and still continue to check with other companies regularly for price and coverage comparisons.
Geico
It's a good insurance company .They have very affordable car insurance .I would recommend geico to anyone.
Geico
It's a good insurance company .They have very affordable car insurance .I would recommend geico to anyone.
Geico
I have not had to call for support other than when I first set up the account in order to make sure the SR-22 was on the coverage. I was satisfied with my customer service experience. I was not on hold long.