Cheap Auto Insurance Quotes in Rockwall, TX, for 2023

Car Insurance in Rockwall, TX

Whether you’re new to the Dallas-Fort Worth metro or have called Rockwall your home for decades, you know that life in Texas is better with a cheap auto insurance policy. In this article, we’ll give you an overview of the top car insurance companies in the area. Everyone’s insurance needs are unique, so make sure to compare car insurance quotes before buying a policy.

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Cheapest Car Insurance in Rockwall, TX

This table shows average monthly auto insurance quotes for drivers in Rockwall from dozens of car insurance companies. As you can see, Progressive tops the list with a rate of $143 per month. But these numbers only tell you so much. To know which insurance agency best fits your needs, you’ll need a car insurance quote specific to you.

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Rockwall Car Insurance Rates by Driving and Accident History

Insurance providers set your auto insurance rates based on how likely they think you are to get in a car accident and make a claim. So if you have prior accidents, DUIs, speeding tickets, or other traffic violations on your driving record, insurance companies will charge you higher premiums^[1]. See for yourself in this table: Rockwall drivers with clean records get the best prices.

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Rockwall Car Insurance Rates by Credit Tier

If you’re having trouble finding affordable car insurance, your credit score might be a factor. You can see in this table that Rockwall drivers with the highest credit scores benefit from cheaper auto insurance coverage on average than those with poor credit scores^[2].

How to Get the Cheapest Car Insurance in Rockwall

A cheap car insurance policy is a big help to any budget. But the Rockwall insurance market is crowded with providers. Out of several dozen potential options, how do you find the right one for you? To get cheap car insurance, you have to get quotes from as many companies as you can before buying yourself a policy. But where should you start, and who has the time?

Insurify’s car insurance quote-comparison tool goes a long way to getting around this problem. Spend a few minutes on the website, and you’ll have a list of car insurance quotes personalized to you. You can toggle coverage options to balance your level of insurance coverage with your budget and find the providers that match your profile the best.

Frequently Asked Questions

Insurify Insights

How Rockwall Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Rockwall, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Rockwall drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Rockwall

#247

City with the Most Speeding Tickets Rank in Texas

#70

City with the Most Moving Violations Rank in Texas

#138

City with the Most DUIs Rank in Texas

#265

City with the Most Suspended Licenses in Texas

• Accidents in Rockwall

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Rockwall drivers rank 22 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #22
  • Percent of drivers in Rockwall with an accident: 11.5%
• DUI/DWIs in Rockwall

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Rockwall drivers rank 138 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #138
  • Percent of drivers in Rockwall with a DUI: 1.1%
• Reckless Drivers in Rockwall

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Rockwall drivers rank 201 in the number of reckless driving offenses per driver.

  • Rank within state: #201
  • Percent of drivers in Rockwall with a reckless driving offense: 0.7%
• Rude Drivers in Rockwall

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Rockwall drivers rank 140 in rude driving infractions.

  • Rank within state: #140
  • Percent of drivers in Rockwall with a reckless driving violation: 1%
• Speeding in Rockwall

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Rockwall drivers rank 247 in the number of speeding infractions per driver.

  • Rank within state: #247
  • Percent of drivers in Rockwall with a speeding ticket: 6.7%
• Safest Drivers in Rockwall

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Rockwall drivers rank 229 in clean driving records across all cities in Texas.

  • Rank within state: #229
  • Percent of drivers in Rockwall with clean record: 79.5%
• Hybrid/Electric Vehicle Ownership in Rockwall

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Rockwall drivers rank 150 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #150
  • Percent of drivers in Rockwall with a hybrid/electric vehicle: 0.66%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.