Table of contents
How much is car insurance in Pflugerville?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Pflugerville will typically run you about $7 a month more than in the rest of Texas.
Compared to the rest of the country, auto insurance in Pflugerville is more affordable. On average, it's about $9 less to insure your vehicle in Pflugerville than it is in the rest of the U.S.
Although these are the average car insurance rates in Pflugerville, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Pflugerville and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $60 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates begin to go back up in Pflugerville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Pflugerville, where women pay around $4 less a month. Looking at the table above, you can see that female drivers pay around $69 on average, while male drivers typically pay $73 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay much less than those with infractions. Drivers in Pflugerville with one accident will pay around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $67.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$77|
As you can see in the first table above, the cheapest vehicles to insure in Pflugerville are by and large SUVs, which run about $66 per month.
Car owners can expect to pay an average of around $73 a month for their policy, while truck and van drivers are usually around $69 to insure each month.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Pflugerville, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Pflugerville is about $25 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$115|
One other element taken into consideration is your living situation. Renters can expect to pay around $7 a month more than homeowners in Pflugerville. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Pflugerville, TX
Recent trends in car insurance for Pflugerville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Pflugerville, the rates for car insurance increased from 2016-2018, when they reached a high of $92. Policy premiums began to decrease in 2019, and this trend has continued through 2021, when rates have most recently hit $61.
How does Pflugerville compare to neighboring areas?
Why are car insurance rates in Pflugerville different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Number of drivers in the community
- Off-street parking access
- Community laws
- Rate of crime
- Frequency of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Pflugerville?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering coverage in Pflugerville.
Pflugerville Insurance FAQs
What factors affect car insurance quotes in Pflugerville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Pflugerville different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Pflugerville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pflugerville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Pflugerville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?