Cheap Car Insurance in Rowlett, Texas (With 2024 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
    View |
  • 1.09 mi
    The Costlow Insurance Group
    3521 Main St, Rowlett, TX 75088
    (972) 463-8043
    View |
  • 1.09 mi
    The Ryan Insurance Agency
    5105 Martin Dr, Rowlett, TX 75088
    (972) 475-2760
    View |
  • 1.09 mi
    Jay Varughese
    4700 Rowlett Rd Ste 101, Rowlett, TX 75088
    (469) 706-6240
    View |
  • 1.09 mi
    3D Insurance Services
    3705 Lakeview Pkwy Ste 203, Rowlett, TX 75088
    (214) 607-4906
    View |
  • 1.09 mi
    Cordial Insurance Group
    5001 Rowlett Rd Ste 200, Rowlett, TX 75088
    (469) 298-3766
    View |
  • 1.09 mi
    Brady Ingle
    3403 Enterprise Dr, Rowlett, TX 75088
    (972) 475-2408
    View |
  • 1.09 mi
    Bob McVicker
    3431 Lakeview Pkwy Ste 101, Rowlett, TX 75088
    (972) 412-8384
    View |
  • 1.09 mi
    Reynolds Insurance Agency
    5321 Lakeview Pkwy Ste 103a, Rowlett, TX 75088
    (972) 475-6877
    View |
  • 1.09 mi
    Chris Brown
    5330 Lakeview Pkwy, Rowlett, TX 75088
    (972) 463-2119
    View |
  • 1.09 mi
    Melanie Melton
    2402 Rowlett Rd, Rowlett, TX 75088
    (972) 412-4241
    View |
  • 1.09 mi
    Aaron Toews
    2300 Rowlett Rd Ste 101, Rowlett, TX 75088
    (972) 475-6994
    View |
  • 1.09 mi
    Mark Cunningham
    7113 Lakeview Pkwy, Rowlett, TX 75088
    (972) 475-2293
    View |
  • 1.09 mi
    Charlie Corbin
    8602 Lakeview Pkwy Ste F, Rowlett, TX 75088
    (972) 463-1717
    View |
  • 1.09 mi
    Sandra Trollinger
    9818 Lakeview Pkwy, Rowlett, TX 75088
    (972) 463-6988
    View |
  • 1.5 mi
    Hatcher Kimrey Insurance Agency
    4513 Shady Ln, Rowlett, TX 75089
    (972) 485-8900
    View |
  • 1.5 mi
    Wigant & Associates
    5706 Antioch Dr, Rowlett, TX 75089
    (469) 252-5089
    View |
  • 1.5 mi
    Christian Serrano
    6909 Rowlett Rd Ste 103, Rowlett, TX 75089
    (214) 227-5391
    View |
  • 1.5 mi
    Paul R Warren Agency
    6413 Fairfield Dr, Rowlett, TX 75089
    (918) 576-4232
    View |
  • 1.5 mi
    Jay Jaroszewski
    8701 Liberty Grove Rd Ste 200, Rowlett, TX 75089
    (972) 412-1999
    View |
  • 1.5 mi
    John Oliver Insurance
    6702 Dalrock Rd Ste 136, Rowlett, TX 75089
    (972) 463-3833
    View |
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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.