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Get Cheap Car Insurance in Rose City, TX

We monitor insurance prices, helping the average driver in Rose City save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in Rose City

The chart below shows the cheapest car insurance company in Rose City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.

 
Rose City Insurer Monthly Cost
Clearcover $42
Mile Auto $54
Progressive $56
State Farm $60

Savings for Every Kind of Rose City Driver

The table shows how much the average auto insurance customer in Rose City might save by following our recommendations.

Based on our extensive insurance data, we know the average Rose City driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $330 per year by choosing the right vehicle insurance company. Some Rose City residents are paying out over $1,606 extra every year for auto insurance in Rose City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Rose City, TX Savings / Yr.
Drivers with good records
$330
Drivers with accidents
$756
Drivers with speeding tickets
$667
Drivers with a DUI conviction
$764
Young drivers
$1,162
Married drivers
$439
Drivers with bad credit
$480

Rose City Car Insurance vs. Texas

People living in Rose City pay an average of 17.79% less than the typical driver in the state. The average driver in Rose City can expect to pay about $957 per year, or $1,606 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Rose City for most people.

Car Insurance Prices by Rose City Neighborhood

Rose City, TX map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Rose City?

The map shows insurance prices in and around Rose City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $48 per year within the city boundaries, with insurance premiums ranging from a high of $1,646 to a low of $1,598. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Rose City.

Pick the Best Car Insurance Company for You in Rose City

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Rose City insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Rose City

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $330 over the average Rose City car insurance company.

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We use the average good driver, paying $106 per month, as our baseline for pricing in Rose City. State Farm, Progressive, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Rose City drivers with accidents on their records

In Rose City getting into an accident will raise premiums an average 32% for a yearly cost of $2,369. That's $763 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Mile Auto, and Farmers Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $756 over the competition.

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The best car insurance company for Rose City drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $667 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Rose City, tickets raise premiums on new quotes about $565. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,171 per year.

The best auto insurance for Rose City drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,235 per year in auto insurance premiums, which was $629 more than a driver with no major issues. Mile Auto, Kemper, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $764 less each year.

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The least expensive car insurance company for new and young drivers in Rose City

In Rose City, State Farm costs young drivers $1,162 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Rose City. With an average cost of $4,451 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Chubb try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Rose City

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $55. State Farm, Geico, and Chubb provided the largest discounts to couples living in Rose City.

State Farm gave the largest car insurance discounts to married couples, averaging $439 saved each year compared to an average Rose City couple's premiums.

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The cheapest car insurance in Rose City for drivers with bad credit

People with poor credit saved an average of $480 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $649 every year. Premiums for people with poor credit were about $2,255 in Rose City. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Farmers Insurance, and Clearcover.

The best Rose City car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Rose City, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in Rose City.

Nationwide was the best company for customer service in Rose City according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Rose City, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Rose City. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Rose City

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Rose City residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Rose City driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Rose City, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.
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Auto Insurance Prices in and Around Rose City

What Influences the Cost of Car Insurance in Rose City?

On average, car insurance in Rose City is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Rose City is 40 minutes, which is a little more than average for a driver in the state.
  • Texas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Rose City are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Rose City has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Rose City is $80 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Rose City driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Rose City with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.