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How much is car insurance in Pflugerville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $7 a month more expensive to insure your vehicle in Pflugerville than it is in the rest of Texas.
Conversely, the expected monthly payments for an auto insurance policy in Pflugerville are below the national average. On average, it's about $9 less to insure your vehicle in Pflugerville than it is in the rest of the United States.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The bill 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.
Don't sweat it however, we've broken down average rates for Pflugerville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to go back up once you hit retirement age in Pflugerville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Pflugerville is around $4 per month. As illustrated in the table above, male drivers in the area pay about $74 on average, while female drivers pay around $70 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. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Pflugerville, having a single accident on your record will usually get you rates around $73 a month. In addition, drivers with one ticket can expect to pay around $67 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$75|
As you can see in the first table above, the cheapest vehicles to insure in Pflugerville are usually SUVs, which run about $66 per month.
Truck and van drivers will see rates of about $75 for auto insurance coverage, while car owners by and large pay around $73 a month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Pflugerville, vehicles fifteen years and older and eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Pflugerville is no exception, with the difference totaling to around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$110|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Pflugerville, expect to pay around $7 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you 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 average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Pflugerville, car insurance rates went up from 2017-2018, when they hit a high of $92. This shifted in 2019, when car insurance rates started to decrease. They reached a low of $62 in 2020, and finished at $68 in 2022.
How does Pflugerville compare to neighboring areas?
Why are car insurance rates in Pflugerville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Number of drivers
- Area crime rates
- Road Safety (frequency of local car accidents)
- Off-street parking availability
- Community laws
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Pflugerville.
Pflugerville Insurance FAQs
What factors affect car insurance quotes in Pflugerville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Pflugerville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Pflugerville?
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 Pflugerville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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?