Cheapest Car Insurance Quotes in Rosenberg

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Rosenberg Car Insurance

^$ 46

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Rosenberg

The car insurance rate in Rosenberg is $1205 for a six-month policy, which is $89 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $718, making it a popular choice for budget-conscious drivers. Rates in Rosenberg can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Rosenberg

$1205

Avg. Car Insurance in Texas

$1116

National Average

$1140

Cheapest Car Insurance Companies in Rosenberg

1st place: Texas Farm Bureau

At $718 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $853 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $879 for six months, making it the third cheapest auto insurance company in Rosenberg.

Rosenberg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rosenberg, TX is Texas Farm Bureau, offering policies at just $718 for a six-month term. This is followed by Mercury, which has an average six-month premium of $853.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rosenberg drivers find the best deals.

Cheap Car Insurance Companies in Rosenberg, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$718	$121
Mercury	$853	$145
State Farm	$879	$148
AAA Texas	$892	$151
USAA	$982	$165
Redpoint Insurance	$1052	$179
Progressive	$1213	$204
Southern County Mutual	$1392	$237
Allstate	$1656	$279
Farmers	$2649	$450
Redpoint County Mutual	$1032	$176
Geico County Mutual	$1155	$197

Key Takeaways

Way's key takeaways about car insurance in Rosenberg

The auto insurance costs in Rosenberg fall around $718 for six months.
The cheapest auto insurance company in Rosenberg is Texas Farm Bureau.
Teen drivers pay the highest rate in Rosenberg at $79 per month.

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Cheapest Minimum Liability Car Insurance in Rosenberg

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Rosenberg are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Rosenberg. Their Average 6 Month Premium is $275. Geico County Mutual is the most expensive at $360 for the same period.

Cheapest Liability Coverage in Rosenberg, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$275	$46
USAA	$308	$52
Progressive	$321	$54
State Farm	$327	$55
Redpoint Insurance	$360	$59
Mercury	$417	$70
AAA Texas	$462	$77
Allstate	$635	$107
Farmers	$1045	$174
Redpoint County Mutual	$347	$57
Geico County Mutual	$360	$62

Cheapest Full Coverage Car Insurance in Rosenberg

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Rosenberg is Texas Farm Bureau at $121 per month and $718 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rosenberg, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$718	$121
Mercury	$853	$145
State Farm	$879	$148
AAA Texas	$892	$151
USAA	$982	$165
Redpoint Insurance	$1052	$179
Progressive	$1213	$204
Southern County Mutual	$1392	$237
Allstate	$1656	$279
Farmers	$2649	$450
Redpoint County Mutual	$1032	$176
Geico County Mutual	$1155	$197

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Average Car Insurance in Rosenberg by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Rosenberg, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Rosenberg, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Rosenberg's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Rosenberg

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$755
40s	Nationwide	$750
50s	Texas Farm Bureau	$669
60s	Texas Farm Bureau	$618
70s	Texas Farm Bureau	$663

Cheapest Car Insurance Rates for Teen Drivers in Rosenberg,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Rosenberg at $60 per month. At $475 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$366	$60
Southern County Mutual	$475	$81
Mercury	$513	$85
AAA Texas	$584	$99
Texas Farm Bureau	$1277	$215
USAA	$1392	$234
State Farm	$1444	$243
Allstate	$3624	$610
Progressive	$6184	$1041
Farmers	$8648	$1470
Redpoint County Mutual	$353	$60
Geico County Mutual	$475	$79

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Rosenberg.

As young drivers face the highest rates in Rosenberg, Texas Farm Bureau offers the cheapest auto insurance rates at $755 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Rosenberg, Mercury is the cheapest car insurance provider. At $558 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Rosenberg is State Farm, offering rates of around $4844 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$558	$95
Foremost	$667	$111
AAA Texas	$712	$121
Dairyland	$827	$138
Allstate	$1084	$185
USAA	$1110	$185
Texas Farm Bureau	$1251	$213
Progressive	$1732	$292
Farmers	$4388	$746
State Farm	$4844	$807

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Car Insurance Rates with An Accident in Rosenberg

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Rosenberg, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rosenberg

The cheapest car insurance companies after an at-fault accident in Rosenberg include Redpoint Insurance and Southern County Mutual, offering $366 and $443, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$366	$60
Southern County Mutual	$443	$76
State Farm	$680	$114
AAA Texas	$687	$117
Mercury	$834	$139
USAA	$1020	$172
Texas Farm Bureau	$1129	$190
Progressive	$2097	$353
Allstate	$2361	$397
Farmers	$7281	$1238
Redpoint County Mutual	$353	$58
Geico County Mutual	$443	$76

Rosenberg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rosenberg TX. For example, the car insurance in Rosenberg after a DUI increases to $846 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Rosenberg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1386	$231
One Med/PIP claim	$1399	$238
One comp claim	$1469	$245
Not-at-fault accident	$1482	$252
Two Med/PIP claims	$1488	$248
Failure to show documents	$1540	$261
Driving with expired registration	$1552	$259
Two comp claims	$1565	$266
Cell phone violation	$1578	$264
Driving without lights	$1578	$268
Texting while driving	$1578	$264
Driving too slowly	$1584	$269
Speeding 11 - 15 MPH over limit	$1584	$265
Speeding 16 - 20 MPH over limit	$1584	$269
Speeding 6 - 10 MPH over limit	$1584	$265
Speeding in school zone	$1584	$269
Child safety restraint	$1591	$266
Failure to wear a seat belt	$1591	$270
In 65 MPH zone	$1597	$267
Failure to stop at a red light	$1604	$273
Failure to yield	$1604	$268
Following too closely	$1604	$273
Illegal turn	$1604	$268
Improper passing	$1604	$273
Speeding 21 - 25 MPH over limit	$1604	$268
Passing school bus	$1610	$274
Wrong way/wrong lane	$1610	$268
Operating a vehicle without permission	$1617	$275
At-fault accident - less than $1000	$1680	$280
Open container	$1892	$322
Driving with a suspended license	$1963	$327
Racing	$2079	$353
Reckless driving	$2079	$347
Leaving scene of an accident/hit and run	$2130	$362
At-fault accident - $1000-$2000	$2136	$356
Refusal to submit to a chemical test	$2200	$374
DUI	$2232	$373
At-fault accident - greater than $2000	$2322	$395

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Rosenberg after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Rosenberg.

The cheapest car insurance premiums in Rosenberg are offered by Mercury at $552 for a six-month policy. However, it can be as expensive as $3343 with companies like Farmers.

Rosenberg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$552	$92
Foremost	$622	$106
Dairyland	$680	$113
AAA Texas	$718	$122
State Farm	$899	$151
Texas Farm Bureau	$1065	$181
Progressive	$1347	$227
USAA	$1379	$232
Allstate	$1758	$296
Nationwide	$1815	$309
Farmers	$3343	$557

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Rosenberg are offered by State Farm at $500. However, it can be as expensive as $3637 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rosenberg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$500	$84
Texas Farm Bureau	$552	$94
Mercury	$571	$95
AAA Texas	$609	$104
USAA	$802	$134
Allstate	$1084	$185
Progressive	$1867	$311
Farmers	$3637	$619

Car Insurance Price Trends in Rosenberg, Texas

Car insurance rates in Rosenberg have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Rosenberg remained steady at $224 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Rosenberg remained steady at $69 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Rosenberg?

The car insurance in Rosenberg is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Rosenberg?

The cheapest car insurance in Rosenberg is $121 per month for full coverage.

How much is car insurance in Rosenberg for teenagers?

Car insurance for teenagers costs $366 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Rosenberg?

The average cost of car insurance is $1116 for a six-month policy. It will cost around $204 per month to insure your car in Rosenberg.

Is car insurance expensive in Rosenberg?

Car insurance can be expensive in Rosenberg if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Rosenberg can be affordable.

Cheapest Car Insurance Quotes in Rosenberg

Why you can trust Way?

How Much Is Car Insurance in Rosenberg

Avg. Car Insurance in Rosenberg

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Rosenberg

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Rosenberg Car Insurance Rates by Company

Cheap Car Insurance Companies in Rosenberg, TX

Way's key takeaways about car insurance in Rosenberg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rosenberg

Cheapest Liability Coverage in Rosenberg, TX

Cheapest Full Coverage Car Insurance in Rosenberg

Cheapest Full Coverage Car Insurance Quotes in Rosenberg, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rosenberg by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Rosenberg, TX increasing?

Car Insurance Premiums by Age in Rosenberg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rosenberg,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Rosenberg.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Rosenberg

Cheapest Car Insurance Companies after an At-Fault Accident in Rosenberg

Rosenberg Car Insurance Rates by Violation

Rosenberg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rosenberg after a DUI

Rosenberg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rosenberg after Speeding ticket

Car Insurance Price Trends in Rosenberg, Texas

Average Car Insurance Cost in Rosenberg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rosenberg, TX

Car Insurance Rates by State in the USA (2025 Update)

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