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Get Cheap Car Insurance in Rosewood, TX

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

 

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The Cheapest Minimum Coverage in Rosewood

The chart below shows the cheapest car insurance company in Rosewood 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.

 
Rosewood Insurer Monthly Cost
Clearcover $43
Mile Auto $56
Progressive $57
State Farm $62

Savings for Every Kind of Rosewood Driver

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

Based on our extensive insurance data, we know the average Rosewood 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 $338 per year by choosing the right vehicle insurance company. Some Rosewood residents are paying out over $1,645 extra every year for auto insurance in Rosewood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Rosewood, TX Savings / Yr.
Drivers with good records
$338
Drivers with accidents
$775
Drivers with speeding tickets
$683
Drivers with a DUI conviction
$782
Young drivers
$1,191
Married drivers
$450
Drivers with bad credit
$492

Rosewood Car Insurance vs. Texas

People living in Rosewood pay an average of 15.81% less than the typical driver in the state. The average driver in Rosewood can expect to pay about $980 per year, or $1,645 for full coverage.

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

Car Insurance Prices by Rosewood Neighborhood

Rosewood, 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 Rosewood?

The map shows insurance prices in and around Rosewood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $24 per year within the city boundaries, with insurance premiums ranging from a high of $1,668 to a low of $1,644. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Rosewood.

Pick the Best Car Insurance Company for You in Rosewood

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 Rosewood insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Rosewood

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $338 over the average Rosewood car insurance company.

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We use the average good driver, paying $109 per month, as our baseline for pricing in Rosewood. 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 Rosewood drivers with accidents on their records

In Rosewood getting into an accident will raise premiums an average 32% for a yearly cost of $2,426. That's $781 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 $775 over the competition.

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The best car insurance company for Rosewood drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $683 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 Rosewood, tickets raise premiums on new quotes about $578. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,224 per year.

The best auto insurance for Rosewood drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,289 per year in auto insurance premiums, which was $644 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 $782 less each year.

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

In Rosewood, State Farm costs young drivers $1,191 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 Rosewood. With an average cost of $4,559 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 Rosewood

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $56. State Farm, Geico, and Chubb provided the largest discounts to couples living in Rosewood.

State Farm gave the largest car insurance discounts to married couples, averaging $450 saved each year compared to an average Rosewood couple's premiums.

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The cheapest car insurance in Rosewood for drivers with bad credit

People with poor credit saved an average of $492 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $664 every year. Premiums for people with poor credit were about $2,309 in Rosewood. 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 Rosewood car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Rosewood, 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 Rosewood.

Nationwide was the best company for customer service in Rosewood 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 Rosewood, 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 Rosewood. 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 Rosewood

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 34% of Rosewood 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 Rosewood 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 Rosewood, 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 Rosewood

What Influences the Cost of Car Insurance in Rosewood?

On average, car insurance in Rosewood 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 Rosewood is 41 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 Rosewood are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Rosewood is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Rosewood is $82 per month for minimum coverage and $137 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 Rosewood driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Rosewood 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.