Lowest Premium
$405 / YEAR
Average Premium
$599 / YEAR
Highest Premium
$807 / YEAR
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.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
Geico | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($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.
Zip | Avg. Premium |
---|---|
75032 | $601 |
75087 | $597 |
Insurance Agents in Rockwall, TX and Near by
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0 miSignature Insurance & Financial Services2460 N Fm 740, Rockwall, TX 75032(972) 771-1111View |
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0 miRobert Holliman201 Laurence Dr Ste 101, Rockwall, TX 75032(972) 771-1920View |
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0 miLori Fladeland207 Laurence Dr, Rockwall, TX 75032(972) 771-1030View |
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0 miVGW Insurance1864 Mcdonald Rd, Rockwall, TX 75032(972) 771-7373View |
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0 miHFG Ventures6730 Horizon Rd Ste A, Rockwall, TX 75032(469) 402-0320View |
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0 miBrian Llewellyn6537 Horizon Rd Ste A, Rockwall, TX 75032(972) 722-6300View |
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0 miGalyean Insurance Agency6130 S Fm 549, Rockwall, TX 75032(972) 772-2390View |
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0 miLake Point Insurance Agency1 Horizon Ct Ste A, Rockwall, TX 75032(214) 771-3448View |
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0 miJohn Nelson Rowe IV2900 Hampshire Ln, Rockwall, TX 75032(972) 772-7860View |
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0 miDenise Parks2861 Ridge Rd Ste 111, Rockwall, TX 75032(972) 772-2620View |
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0 miCarson Brooks2701 Sunset Ridge Dr Ste 603, Rockwall, TX 75032(972) 787-2010View |
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0 miThe Fite Agency2701 Sunset Ridge Dr Ste 104, Rockwall, TX 75032(972) 772-0540View |
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0 miKeystone Insurance941 W Ralph Hall Pkwy, Rockwall, TX 75032(972) 771-3861View |
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0 miKelly O'Neill Insurance Agency955 W Ralph Hall Pkwy Ste 101, Rockwall, TX 75032(972) 772-4009View |
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0 miLifetime Insurance2095 Summer Lee Dr Ste 204, Rockwall, TX 75032(972) 771-2622View |
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0 miMike Jones2740 State Highway 276 Ste 200, Rockwall, TX 75032(972) 722-0601View |
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0 miC Dameron Scott1313 S State Highway 205, Rockwall, TX 75032(972) 524-7722View |
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0 miChase One Agency14892 S Fm 548, Rockwall, TX 75032(972) 563-0917View |
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6.14 miJustin Wayne Anderson109 E Dogwood, Rockwall, TX 75087(469) 714-9595View |
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6.14 miTexas Farm Bureau Insurance3023 E Interstate 30 #j, Rockwall, TX 75087(972) 771-6936View |
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6.14 miLauren Deen6800 Heritage Pkwy Ste 200, Rockwall, TX 75087(214) 607-0701View |
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6.14 miMichael B. Akers207 E Rusk St # 200, Rockwall, TX 75087(972) 772-0511View |
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6.14 miHanby Insurance107 N Goliad St Ste 204, Rockwall, TX 75087(972) 771-4110View |
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6.14 miJoe Wimpee105 W Kaufman St, Rockwall, TX 75087(972) 771-8051View |
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6.14 miRalph Grassi108 W Interurban St Ste B, Rockwall, TX 75087(469) 769-1012View |
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6.14 miLeo Johnson316 S Goliad St Ste 115, Rockwall, TX 75087(972) 771-0206View |
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6.14 miBrady Z Hill750 E I30 Ste 105, Rockwall, TX 75087(972) 467-8733View |
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6.14 miCarlton Greer104 E Boydstun Ave, Rockwall, TX 75087(469) 698-0900View |
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6.14 miNtex Insurance Group610 S Clark St, Rockwall, TX 75087(972) 772-3320View |
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6.14 miShoreline Insurance Agency102 E Ross St Ste C, Rockwall, TX 75087(214) 810-9154View |
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6.14 miEverlast Risk Management1012 Ridge Rd, Rockwall, TX 75087(972) 853-1888View |
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6.14 miDyer Insurance Agency1018 Ridge Rd, Rockwall, TX 75087(972) 771-8301View |
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6.14 miCraig Zolkowski1022 Ridge Rd, Rockwall, TX 75087(972) 961-0513View |
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6.14 miMoody Insurance Agency1106 Ridge Rd Ste B, Rockwall, TX 75087(972) 771-1234View |
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6.14 miJohn Elsey1213 N Goliad St, Rockwall, TX 75087(972) 771-0208View |
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6.14 miRockwall Insurance Agency761 Justin Rd, Rockwall, TX 75087(972) 772-1390View |
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6.14 miSandy Lemons761 Justin Rd Ste A, Rockwall, TX 75087(972) 771-9228View |
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6.14 miNitsche Group701 Justin Rd, Rockwall, TX 75087(972) 722-1222View |
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6.14 miNorth Texas Insurance Associates1407 S Goliad St Ste D, Rockwall, TX 75087(972) 771-9339View |
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6.14 miJustin Slocum811 E Yellowjacket Ln Ste 117, Rockwall, TX 75087(972) 357-8010View |
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6.14 miBrent Clement2233 Ridge Rd Ste 209, Rockwall, TX 75087(214) 499-2137View |
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6.14 miEnglish Insurance Group2231 Ridge Rd Ste 200, Rockwall, TX 75087(214) 893-3455View |
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6.14 miShelley Dietrich2308 A Ridge Rd, Rockwall, TX 75087(972) 771-6234View |
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6.14 miPaula J Adams2235 Ridge Rd Ste 106, Rockwall, TX 75087(855) 722-2566View |
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6.14 miLakeside Insurance Group510 Turtle Cove Blvd, Rockwall, TX 75087(972) 772-1913View |
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6.14 miK & S Group2255 Ridge Rd Ste 333, Rockwall, TX 75087(972) 771-4071View |
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6.14 miRandy Rhew2255 Ridge Rd Ste 218, Rockwall, TX 75087(214) 865-9260View |
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6.14 miRobert Shaw2255 Ridge Rd Ste 218, Rockwall, TX 75087(972) 771-8813View |
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6.14 miMichael David Kola2600 Ridge Rd Ste 102, Rockwall, TX 75087(972) 404-9300View |
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6.14 miTim Brooks2602 Ridge Rd Ste 1, Rockwall, TX 75087(972) 771-1999View |
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6.14 miNorment & Landers Insurance720 E I30, Rockwall, TX 75087(903) 905-8336View |
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6.14 miBickerstaff Insurance & Financial Services3084 N Goliad St Ste 120, Rockwall, TX 75087(972) 771-4992View |
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 registered | 24,527,939 |
Total uninsured motorists | 14.1% |
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.