Best Auto Insurance Rates in Cedar Park, Texas

Compare Auto Insurance in Cedar Park

Tuesday, January 8 2019 By Shantae Young

The US Census Bureau has twice named Cedar Park, Texas, one of the fastest growing cities in the country. It’s doubtful either declaration was shock to the Cedar Park’s neighbors in the Lone Star State. The reason: with a population of more than 65,000 residents, it is Texas’ third largest city.

Many positives tend to be tied to growth like that, but some negatives come along with it too. One example of the latter is that more residents means more people on the roads. Moreover, that usually leads to higher car insurance rates.

Average Cedar Park Car Insurance Rates

How much is car insurance in Cedar Park, TX? Car insurance premiums in Cedar Park can be expensive. Much of Texas has higher than average car insurance rates. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices will vary depending on your driving history policy limits, coverage, and zip code.

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

The good news here is that shopping around helps you keep those costs at bay. In fact, you can save as much as 40% on your premiums with QuoteWizard.

Last year, 889 people used QuoteWizard to compare car insurance quotes in Cedar Park, TX from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Cedar Park, TX

Here are the most common car insurance companies reported by QuoteWizard users living in Cedar Park, Texas last year. Only 19 were not insured when they requested a quote.

Other popular car insurance companies serving Cedar Park, Texas: 21st Century, AIG, Allied Group, American Family, Amica Mutual, Country Financial, Erie, and Hartford.

Top 10 Vehicles

These are the most common car makes and models owned by Cedar Park, TX drivers who requested quotes through QuoteWizard last year.

Minimum Car Insurance Requirements in Cedar Park, TX

Cedar Park, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

• Individual Bodily Injury Liability (BIL): $30,000
  The maximum your insurance company will pay for an individual person injured in a car accident.
• Total Bodily Injury Liability: $60,000
  The most your carrier will pay in total for every person injured in a car accident.
• Property Damage Liability (PDL): $25,000
  The total amount your insurers will pay for property damage caused by a car accident.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

Weather

Warm and humid conditions are par for the course for people who live in Cedar Park, TX. There’s no dry season, nor does it get very cold. Residents enjoy around 231 sunny days each year, and high temperatures in summer often hit 100 degrees. Thunderstorms and hail are common, and serve as the biggest risk for local drivers.

Road Conditions

TRIP reports that Austin drivers waste as much as $706 a year on fuel, time, and car repairs due to the large number of potholes and ruts, as well as the rough street conditions. In addition, 28% of the region’s major roads are in poor condition and need immediate repair. Another 62% of roadways are mediocre. Because Cedar Park is located only 17 miles away from Austin, the two cities have similar road conditions.

Traffic Congestion

According to TomTom's annual traffic index report, Austin is the 21st worst city in the US for traffic congestion. The average driver spends an extra 30 minutes per hour and 115 hours a year stuck in traffic during rush-hour commutes that last at least 60 minutes.

On a related note, the Texas Department of Transportation named Cedar Park's US-138, which connects to I-35, one of Texas’ top 100 congested roadways in 2015.

Moving Violations

Moving violations like speeding, and failure to yield result in bad driving records and higher insurance rates. That's because when you get a ticket, it can add points to your driver's license. If you get a lot of these points, your insurer can change your status to non-preferred. This is the first step in a process that will end with you buying non-standard, high-risk car insurance.

Traffic Tickets

The City of Cedar Park Municipal Court website allows you to pay traffic citations, answers FAQ's, and provides other helpful traffic court information.

SR-22 DWI Insurance

If you've been convicted of a DWI and need to obtain an SR-22 form, request a quote. We'll connect you with local insurance agents from top insurance companies that specialize in Cedar Park DWI insurance.

DWI Crashes and Injuries

Cedar Park reported 40 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 13 injuries and one fatality.

Car Accident Statistics

Cedar Park officials reported 800 car crashes in 2017. These crashes resulted in 293 injuries, 15 of them serious.

Traffic Fatalities

Cedar Park experienced two fatal collisions in 2017 resulting in two deaths. All traffic deaths are a tragic loss, and considering Cedar Park's estimated population of 75,704, this is one of the nation's safest cities in terms of traffic fatalities.

Vehicle Theft Rates

Cedar Park reported 51 vehicle thefts in 2017. This is a rate of 0.57 per 1,000 residents. This was well below the national rate of 2.37 stolen cars per 1,000 people.

Car Insurance Discounts

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the auto insurance discounts available to drivers in Cedar Park, TX depending on your insurer.

1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
2. Bundle your auto policy. Bundling is one of the best discount because it can save you as much as 20% off your annual premium
3. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
5. Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
6. Drive less and you could qualify for the low mileage discount

Sources:

• City of Cedar Park Texas
• Cedar Park Texas Municipal Court
• Cedar Park Texas Crime Rates
• United States Census Bureau - Cedar Park, TX

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