Cheap Car Insurance in Rowlett, Texas (With 2022 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Rowlett

Lowest Premium

$428 / YEAR

Average Premium

$613 / YEAR

Highest Premium

$760 / YEAR

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

The average annual premium in Rowlett is around $613 and can go upto $760. 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 Rowlett by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Rowlett. 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 Rowlett, TX and Near by

  • 1.09 mi
    Integra Insurance Services
    3809 Main St, Rowlett, TX 75088
    (972) 412-8919
  • 1.09 mi
    The Costlow Insurance Group
    3521 Main St, Rowlett, TX 75088
    (972) 463-8043
  • 1.09 mi
    The Ryan Insurance Agency
    5105 Martin Dr, Rowlett, TX 75088
    (972) 475-2760
  • 1.09 mi
    Jay Varughese
    4700 Rowlett Rd Ste 101, Rowlett, TX 75088
    (469) 706-6240
  • 1.09 mi
    3D Insurance Services
    3705 Lakeview Pkwy Ste 203, Rowlett, TX 75088
    (214) 607-4906
  • 1.09 mi
    Cordial Insurance Group
    5001 Rowlett Rd Ste 200, Rowlett, TX 75088
    (469) 298-3766
  • 1.09 mi
    Brady Ingle
    3403 Enterprise Dr, Rowlett, TX 75088
    (972) 475-2408
  • 1.09 mi
    Bob McVicker
    3431 Lakeview Pkwy Ste 101, Rowlett, TX 75088
    (972) 412-8384
  • 1.09 mi
    Reynolds Insurance Agency
    5321 Lakeview Pkwy Ste 103a, Rowlett, TX 75088
    (972) 475-6877
  • 1.09 mi
    Chris Brown
    5330 Lakeview Pkwy, Rowlett, TX 75088
    (972) 463-2119
  • 1.09 mi
    Melanie Melton
    2402 Rowlett Rd, Rowlett, TX 75088
    (972) 412-4241
  • 1.09 mi
    Aaron Toews
    2300 Rowlett Rd Ste 101, Rowlett, TX 75088
    (972) 475-6994
  • 1.09 mi
    Mark Cunningham
    7113 Lakeview Pkwy, Rowlett, TX 75088
    (972) 475-2293
  • 1.09 mi
    Charlie Corbin
    8602 Lakeview Pkwy Ste F, Rowlett, TX 75088
    (972) 463-1717
  • 1.09 mi
    Sandra Trollinger
    9818 Lakeview Pkwy, Rowlett, TX 75088
    (972) 463-6988
  • 1.5 mi
    Hatcher Kimrey Insurance Agency
    4513 Shady Ln, Rowlett, TX 75089
    (972) 485-8900
  • 1.5 mi
    Wigant & Associates
    5706 Antioch Dr, Rowlett, TX 75089
    (469) 252-5089
  • 1.5 mi
    Christian Serrano
    6909 Rowlett Rd Ste 103, Rowlett, TX 75089
    (214) 227-5391
  • 1.5 mi
    Paul R Warren Agency
    6413 Fairfield Dr, Rowlett, TX 75089
    (918) 576-4232
  • 1.5 mi
    Jay Jaroszewski
    8701 Liberty Grove Rd Ste 200, Rowlett, TX 75089
    (972) 412-1999
  • 1.5 mi
    John Oliver Insurance
    6702 Dalrock Rd Ste 136, Rowlett, TX 75089
    (972) 463-3833
View all agents ↓

Learn More About Car Insurance in Rowlett, 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.