Cheap Car Insurance in Rockwall, Texas (With 2021 Rates)

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Lowest Premium

$405 / YEAR

Average Premium

$599 / YEAR

Highest Premium

$807 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Rockwall is around $599 and can go upto $807. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

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

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Car Insurance Rates in Rockwall by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Rockwall. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
75032$601
75087$597

Insurance Agents in Rockwall, TX and Near by

  • 0 mi
    Signature Insurance & Financial Services
    2460 N Fm 740, Rockwall, TX 75032
    (972) 771-1111
  • 0 mi
    Robert Holliman
    201 Laurence Dr Ste 101, Rockwall, TX 75032
    (972) 771-1920
  • 0 mi
    Lori Fladeland
    207 Laurence Dr, Rockwall, TX 75032
    (972) 771-1030
  • 0 mi
    VGW Insurance
    1864 Mcdonald Rd, Rockwall, TX 75032
    (972) 771-7373
  • 0 mi
    HFG Ventures
    6730 Horizon Rd Ste A, Rockwall, TX 75032
    (469) 402-0320
  • 0 mi
    Brian Llewellyn
    6537 Horizon Rd Ste A, Rockwall, TX 75032
    (972) 722-6300
  • 0 mi
    Galyean Insurance Agency
    6130 S Fm 549, Rockwall, TX 75032
    (972) 772-2390
  • 0 mi
    Lake Point Insurance Agency
    1 Horizon Ct Ste A, Rockwall, TX 75032
    (214) 771-3448
  • 0 mi
    John Nelson Rowe IV
    2900 Hampshire Ln, Rockwall, TX 75032
    (972) 772-7860
  • 0 mi
    Denise Parks
    2861 Ridge Rd Ste 111, Rockwall, TX 75032
    (972) 772-2620
  • 0 mi
    Carson Brooks
    2701 Sunset Ridge Dr Ste 603, Rockwall, TX 75032
    (972) 787-2010
  • 0 mi
    The Fite Agency
    2701 Sunset Ridge Dr Ste 104, Rockwall, TX 75032
    (972) 772-0540
  • 0 mi
    Keystone Insurance
    941 W Ralph Hall Pkwy, Rockwall, TX 75032
    (972) 771-3861
  • 0 mi
    Kelly O'Neill Insurance Agency
    955 W Ralph Hall Pkwy Ste 101, Rockwall, TX 75032
    (972) 772-4009
  • 0 mi
    Lifetime Insurance
    2095 Summer Lee Dr Ste 204, Rockwall, TX 75032
    (972) 771-2622
  • 0 mi
    Mike Jones
    2740 State Highway 276 Ste 200, Rockwall, TX 75032
    (972) 722-0601
  • 0 mi
    C Dameron Scott
    1313 S State Highway 205, Rockwall, TX 75032
    (972) 524-7722
  • 0 mi
    Chase One Agency
    14892 S Fm 548, Rockwall, TX 75032
    (972) 563-0917
  • 6.14 mi
    Justin Wayne Anderson
    109 E Dogwood, Rockwall, TX 75087
    (469) 714-9595
  • 6.14 mi
    Texas Farm Bureau Insurance
    3023 E Interstate 30 #j, Rockwall, TX 75087
    (972) 771-6936
  • 6.14 mi
    Lauren Deen
    6800 Heritage Pkwy Ste 200, Rockwall, TX 75087
    (214) 607-0701
  • 6.14 mi
    Michael B. Akers
    207 E Rusk St # 200, Rockwall, TX 75087
    (972) 772-0511
  • 6.14 mi
    Hanby Insurance
    107 N Goliad St Ste 204, Rockwall, TX 75087
    (972) 771-4110
  • 6.14 mi
    Joe Wimpee
    105 W Kaufman St, Rockwall, TX 75087
    (972) 771-8051
  • 6.14 mi
    Ralph Grassi
    108 W Interurban St Ste B, Rockwall, TX 75087
    (469) 769-1012
  • 6.14 mi
    Leo Johnson
    316 S Goliad St Ste 115, Rockwall, TX 75087
    (972) 771-0206
  • 6.14 mi
    Brady Z Hill
    750 E I30 Ste 105, Rockwall, TX 75087
    (972) 467-8733
  • 6.14 mi
    Carlton Greer
    104 E Boydstun Ave, Rockwall, TX 75087
    (469) 698-0900
  • 6.14 mi
    Ntex Insurance Group
    610 S Clark St, Rockwall, TX 75087
    (972) 772-3320
  • 6.14 mi
    Shoreline Insurance Agency
    102 E Ross St Ste C, Rockwall, TX 75087
    (214) 810-9154
  • 6.14 mi
    Everlast Risk Management
    1012 Ridge Rd, Rockwall, TX 75087
    (972) 853-1888
  • 6.14 mi
    Dyer Insurance Agency
    1018 Ridge Rd, Rockwall, TX 75087
    (972) 771-8301
  • 6.14 mi
    Craig Zolkowski
    1022 Ridge Rd, Rockwall, TX 75087
    (972) 961-0513
  • 6.14 mi
    Moody Insurance Agency
    1106 Ridge Rd Ste B, Rockwall, TX 75087
    (972) 771-1234
  • 6.14 mi
    John Elsey
    1213 N Goliad St, Rockwall, TX 75087
    (972) 771-0208
  • 6.14 mi
    Rockwall Insurance Agency
    761 Justin Rd, Rockwall, TX 75087
    (972) 772-1390
  • 6.14 mi
    Sandy Lemons
    761 Justin Rd Ste A, Rockwall, TX 75087
    (972) 771-9228
  • 6.14 mi
    Nitsche Group
    701 Justin Rd, Rockwall, TX 75087
    (972) 722-1222
  • 6.14 mi
    North Texas Insurance Associates
    1407 S Goliad St Ste D, Rockwall, TX 75087
    (972) 771-9339
  • 6.14 mi
    Justin Slocum
    811 E Yellowjacket Ln Ste 117, Rockwall, TX 75087
    (972) 357-8010
  • 6.14 mi
    Brent Clement
    2233 Ridge Rd Ste 209, Rockwall, TX 75087
    (214) 499-2137
  • 6.14 mi
    English Insurance Group
    2231 Ridge Rd Ste 200, Rockwall, TX 75087
    (214) 893-3455
  • 6.14 mi
    Shelley Dietrich
    2308 A Ridge Rd, Rockwall, TX 75087
    (972) 771-6234
  • 6.14 mi
    Paula J Adams
    2235 Ridge Rd Ste 106, Rockwall, TX 75087
    (855) 722-2566
  • 6.14 mi
    Lakeside Insurance Group
    510 Turtle Cove Blvd, Rockwall, TX 75087
    (972) 772-1913
  • 6.14 mi
    K & S Group
    2255 Ridge Rd Ste 333, Rockwall, TX 75087
    (972) 771-4071
  • 6.14 mi
    Randy Rhew
    2255 Ridge Rd Ste 218, Rockwall, TX 75087
    (214) 865-9260
  • 6.14 mi
    Robert Shaw
    2255 Ridge Rd Ste 218, Rockwall, TX 75087
    (972) 771-8813
  • 6.14 mi
    Michael David Kola
    2600 Ridge Rd Ste 102, Rockwall, TX 75087
    (972) 404-9300
  • 6.14 mi
    Tim Brooks
    2602 Ridge Rd Ste 1, Rockwall, TX 75087
    (972) 771-1999
  • 6.14 mi
    Norment & Landers Insurance
    720 E I30, Rockwall, TX 75087
    (903) 905-8336
  • 6.14 mi
    Bickerstaff Insurance & Financial Services
    3084 N Goliad St Ste 120, Rockwall, TX 75087
    (972) 771-4992
View all agents ↓

Learn More About Car Insurance in Rockwall, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

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.