Cedar Park, TX Car Insurance

The average cost for car insurance in Cedar Park is about $61 a month. Learn more in our handy guide below.
How does Cedar Park stack up to the rest of the area, or even Texas as a whole? How much can residents of Cedar Park expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Cedar Park?

Area Average Monthly Car Insurance Premium
Cedar Park$61
TX$65
United States$81

Car insurance coverage in Cedar Park is about $4 cheaper than it is in the rest of Texas.

Likewise, the expected monthly payments for an auto insurance policy in Cedar Park are below the national average. Car insurance rates for the United States as a whole are, on average, $20 more expensive than the rates you'd pay in Cedar Park.

Keep in mind that while these are the average car insurance rates for Cedar Park, it isn't guaranteed that it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Cedar Park residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$104
25-34$56
35-44$50
45-54Not Enough Data
55-64$41
65+$42

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Cedar Park drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$61

Car insurance rates for men are usually slightly more expensive than they are for women. In Cedar Park, however, male and female drivers both pay, on average, $61 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$71
Multiple Accidents$92
1 Ticket$72
Multiple Tickets$77

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Cedar Park, a driving record with a single accident will usually get you a rate around $71 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$56
4-5 Years$59
6-7 Years$64
8-10 Years$61
11-14 Years$66
15 Years or Older$57

In Cedar Park, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $57 per month to insure their vehicle.

Car owners will see a monthly rate of about $63, while SUV owners usually pay around $58 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Cedar Park, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$48
Divorced$46
Widowed$45

More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

In Cedar Park, the difference in rates based on relationship status can be as much as $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$48
Rent$67
Live with parents$90

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Cedar Park, expect to pay around $19 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Cedar Park, TX

Recent trends in car insurance for Cedar Park drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of insurance in Cedar Park had been decreasing from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $52 a month

How does Cedar Park compare to neighboring areas?

Why are car insurance rates in Cedar Park different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Many factors affecting your policy are based around your home address. These factors include things like:

  • Number of drivers in the area
  • Area regulations
  • Crime
  • Off-street parking accessibility
  • General road safety (how many accidents each locality has)

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Cedar Park?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering coverage in Cedar Park.

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Cedar Park Insurance FAQs

What factors affect car insurance quotes in Cedar Park?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Cedar Park different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Cedar Park?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Cedar Park?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Cedar Park or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes