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How much is car insurance in Pflugerville?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $8 a month more expensive to insure your vehicle in Pflugerville than it is in the rest of Texas.
On the flip side, car insurance rates in Pflugerville are more affordable than the national average. You can expect to pay about $7 less for your policy in Pflugerville than in the rest of U.S.
Bear in mind that while these are the average car insurance rates for Pflugerville, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for Pflugerville so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Pflugerville Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
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.
Pflugerville Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While female drivers pay a bit less than male drivers on their monthly auto insurance coverage, the difference in Pflugerville is only about $3 a month.
Pflugerville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. The rate for drivers in Pflugerville with a single accident on their record is about $76 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $72 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Pflugerville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$77|
As you can see in the first table above, the cheapest vehicles to insure in Pflugerville are typically SUVs, which run about $67 per month.
Truck and van drivers will see rates of about $76 for auto insurance, while car owners by and large pay around $74 per month.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Pflugerville, the most expensive vehicles to insure are vehicles fifteen years and older.
Pflugerville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
According to the table above, the difference in rates based on relationship status in Pflugerville can be as much as $23 a month, so it's worth taking into consideration.
Pflugerville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
One other element taken into consideration is your housing situation. Those who own their own home in Pflugerville can expect to pay around $6 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Pflugerville, TX
Recent trends in car insurance for Pflugerville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The cost of car insurance in Pflugerville have been mixed as of late, it increased in 2017, decreased in 2019, and rose again in 2021, before finishing at $80 in 2022.
How does Pflugerville compare to neighboring areas?
Why are car insurance rates in Pflugerville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Off-street parking access
- Crime rates
- Road Safety (frequency of car accidents)
- Amount of drivers in the community
- Local regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place 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 wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Pflugerville.
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Pflugerville Auto 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 age and gender, 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?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Pflugerville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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