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

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Lowest Premium

$446 / YEAR

Average Premium

$595 / YEAR

Highest Premium

$812 / YEAR

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

The average annual premium in Rosenberg is around $595 and can go upto $812. 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 Rosenberg by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Rosenberg. 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

Insurance Agents in Rosenberg, TX and Near by

  • 0 mi
    Edgar L Parker Insurance
    1711 Avenue H, Rosenberg, TX 77471
    (281) 342-7848
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    Arnold Alaniz
    1221a 1st St, Rosenberg, TX 77471
    (281) 341-7000
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    Janice Vyoral
    1900 Avenue G, Rosenberg, TX 77471
    (281) 762-9515
  • 0 mi
    Guy L McNutt Insurance Agency
    910 4th St, Rosenberg, TX 77471
    (281) 342-5436
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    Ai United Insurance
    2307 Avenue H, Rosenberg, TX 77471
    (281) 344-9444
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    J Harris Insurance Group
    2515 Avenue H, Rosenberg, TX 77471
    (281) 341-5060
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    AMTEX Auto Insurance
    2615 Avenue H, Rosenberg, TX 77471
    (281) 239-2222
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    A-Max Auto Insurance
    3302 Avenue H Ste 302, Rosenberg, TX 77471
    (281) 239-5000
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    Fort Bend Insurance Managers
    3302 Avenue H Ste 102, Rosenberg, TX 77471
    (281) 633-2448
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    Villarreal Insurance Agency
    3315 Avenue H, Rosenberg, TX 77471
    (281) 239-3806
  • 0 mi
    CJ's Insurance Agency
    3501 Avenue H, Rosenberg, TX 77471
    (281) 762-2288
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    Southwestern Insurance Center
    3516 Avenue I, Rosenberg, TX 77471
    (281) 342-0444
  • 0 mi
    Sandra Tesch
    3420 Glenmeadow Dr, Rosenberg, TX 77471
    (281) 342-4666
  • 0 mi
    Thielemann Insurance Agency
    3016 1st St, Rosenberg, TX 77471
    (281) 232-6931
  • 0 mi
    Coffey's Insurance Agency
    4112 Avenue I, Rosenberg, TX 77471
    (281) 342-5701
  • 0 mi
    Mesa Auto Insurance
    4607 Avenue H, Rosenberg, TX 77471
    (281) 341-5100
  • 0 mi
    Pamela Adair
    4705 Avenue H Ste D, Rosenberg, TX 77471
    (281) 342-7272
  • 0 mi
    TIA - Texas Insurance Agency
    4705 Avenue H Ste C, Rosenberg, TX 77471
    (713) 921-8000
  • 0 mi
    Pam Auto Insurance
    5172 Avenue H, Rosenberg, TX 77471
    (281) 342-9222
  • 0 mi
    Torres Insurance
    205 Lane Dr, Rosenberg, TX 77471
    (281) 886-0268
  • 0 mi
    Gerald Macha Insurance Agency
    2625 Richard St, Rosenberg, TX 77471
    (281) 341-0320
  • 0 mi
    Ray Orazani
    6116 Reading Rd, Rosenberg, TX 77471
    (281) 949-4444
  • 0 mi
    Masters Insurance Underwriters
    5523 Banner Ln, Rosenberg, TX 77471
    (281) 633-2448
  • 0 mi
    Tony Becerra Insurance Agency
    814 3rd St Ste A, Rosenberg, TX 77471
    (281) 342-3583
  • 0 mi
    Gaston Arguelles
    24102 Commercial Dr Ste 502, Rosenberg, TX 77471
    (832) 612-9100
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    Texas Farm Bureau Insurance
    5253 Highway 36 S, Rosenberg, TX 77471
    (281) 342-4626
  • 0 mi
    Cornerstone Insurance Agency
    24301 Brazos Town Xing Ste 500-8, Rosenberg, TX 77471
    (979) 553-4343
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Learn More About Car Insurance in Rosenberg, 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.


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.