Round Rock, TX
Auto and home insurance in Round Rock, Texas
How Round Rock households can compare car and home coverage, with local Census data. A quote is not a binder.
Two numbers frame insurance in Round Rock: 56% of households are homeowners, and 64% of commuters drive alone. With a population near 135,359, that adds up to a lot of households insuring a house and at least one vehicle.
Cars, commutes, and households in Round Rock
| Measure | Round Rock | Texas |
|---|---|---|
| Drive alone to work | 64% | 71% |
| Carpool | 9% | 10% |
| Work from home | 25% | 14% |
| Commute of 45 minutes or more | 13% | 17% |
| Commute under 15 minutes | 24% | 25% |
| Households with no vehicle | 3% | 5% |
| Households with 3 or more vehicles | 19% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
About 13% of Round Rock commuters travel 45 minutes or more each way (Texas: 17%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Remote work is common here: 25% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 19% of households in Round Rock have at least three vehicles (Texas: 22%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Round Rock
Census figures put Round Rock's median home value at $418,600 (Texas: $283,800) and its median year built at 2002. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Texas was $2,943 for homes insured in the $400,000–$449,999 range, and $2,864 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Round Rock drivers
The state minimum is 30/60/25. Additional requirement: none beyond liability (PIP and UM must be rejected in writing). See our state minimums guide for how these compare across our ten states.
One insurer or two for a Round Rock household
With 56% of households owning their home, bundling is an option for most Round Rock families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Round Rock
Around Round Rock, two exposures stand out: Gulf hurricanes near the coast and large hail. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
Round Rock compared with nearby cities
Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. San Antonio: 68% drive alone, 11% commute 45+ minutes, median home $235,700. In Dallas, 42% own their home and 15% of households have three or more vehicles. For share of 45-minute-plus commutes, Round Rock is 14th of 30 Texas cities on this site.
Gathering details for a Round Rock auto and home quote
- When the roof was replaced
- Home details: size, age, construction
- Everyone in the household who drives
- Current declarations pages for auto and home
- Accidents, tickets, and claims from the last five years
- Lender name and loan number
Questions from Round Rock drivers and homeowners
What are the minimum car insurance limits for Round Rock drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Round Rock drivers have long commutes?
About 13% of Round Rock workers commute 45 minutes or more and 24% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Round Rock?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
Other city guides near Round Rock
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research