Best Auto Insurance Rates in Pflugerville, Texas

On average, your neighbors pay $77 a month.

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Monday, November 5 2018 By Shantae Young

At first glance, Pflugerville, Texas, seems pretty quaint. Look a little closer, though, and it’s clear this is a bustling city too. That’s helped by the fact that its population is 50,000 and growing. Plus, it’s located just 15 miles from Texas’ capitol, Austin.

One blemish on Pflugerville’s otherwise beautiful record as a great place to live: car insurance rates here can be higher than the average because of I-35’s traffic congestion.

Average Pflugerville Car Insurance Rates

How much is car insurance in Pflugerville, TX? Car insurance in Pflugerville can be expensive. Most of Texas has higher than normal 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 limits, coverage, driving record, and zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

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.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both top national companies and local agents. Comparing quotes can help you find cheap car insurance rates near Pflugerville, Texas and and save up to 40% on your premium.

In fact, last year 1,334 people used QuoteWizard to compare auto insurance quotes in Pflugerville, TX from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Pflugerville, TX

Here are the most common car insurance companies reported by QuoteWizard users living in Pflugerville, Texas last year. Only 47 were not insured when they requested a quote.

  1. GEICO
  2. Allstate
  3. Progressive
  4. Farmers
  5. Liberty Mutual
  6. Nationwide
  7. USAA
  8. AAA
  9. Esurance
  10. 21st Century
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular car insurance companies serving Pflugerville, Texas: AIG, Allied Group, Country Financial, Erie, Hartford, MetLife, Safeco, and Travelers.

Top 10 Vehicles in Pflugerville

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

  1. Ford F150
  2. Honda Accord LX/EX
  3. Chevrolet Impala LS
  4. Toyota Camry LE/XLE/SE
  5. Ford Mustang
  6. Ford F150 Supercrew
  7. Ford Taurus SE
  8. Ford Focus SE
  9. Kia Soul
  10. Chrysler 300C
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Pflugerville, TX

Pflugerville, 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 insurance company will pay for property damage caused by a car accident.

Driving Conditions

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

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Weather

Weather in Pflugerville tends to be hot and humid, especially in summer. High temperatures regularly hit 100 degrees during the hottest month of the year. Also, residents enjoy around 231 sunny days annually. On the other hand, this area also sees a lot of thunderstorms, hail, and flash floods. Not only do these adverse conditions damage roads and vehicles, but they negatively impact car insurance rates too.

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. Also, 28% of the region’s major roads are in poor condition and need immediate repair. Another 62% of roadways are rated mediocre. Because Pflugerville is located only 15 miles away from Austin, the two cities have similar road conditions.

On a related note, Pflugerville drivers are used to dealing with potholes thanks to the area’s heavy rains. To report a pothole to Public Works, call 3-1-1 or download the app on your smartphone.

Traffic Congestion

Traveling along I-35 can be stressful for people commuting from Pflugerville to Austin. This highway sees a lot of traffic congestion between US-290 and SH-71, which is the direction most take to get in and out of Austin. According to a report by the Texas Department of Transportation, congestion on this roadway costs drivers $201 million each year.

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.

Moving Violations

Moving violations like speeding, failure to yield, or drunk driving will go on your driving record and make your car insurance very expensive.

Traffic Tickets

The City of Pflugerville Municipal Court website allows you to pay traffic citations, tells drivers how to request a dismissal, 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 will connect you with local insurance agents from top insurance companies that specialize in Pflugerville DWI insurance.

Car Accident Statistics

Pflugerville officials reported 754 car crashes in 2016. These crashes resulted in 297 injuries, 13 of them incapacitating.

DWI Crashes and Injuries

Pflugervilley reported 49 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 14 injuries but no fatalities.

Traffic Fatalities

Pflugerville experienced three fatal collisions in 2016 resulting in three deaths in motor vehicle crashes.

This works out to a fatality rate of 5.06 per 100,000 residents. All traffic deaths are a tragic loss, and considering Pflugerville's estimated population of 59,245, this is one of the nation's safer cities in terms of traffic fatalities.

Vehicle Theft Rates

Pflugerville reported 30 vehicle thefts in 2016. This is a rate of 0.53 per 1,000 residents, well below the national rate of 2.20 stolen cars per 1,000 people.

Car Insurance Discounts in Pflugerville

If you want to find cheap car insurance, discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to driver in Pflugerville, TX. Get a free quote to find out which discounts you may qualify for.

  1. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  2. Drivers 55 and older can qualify for the senior discount or the 55 and retired discount
  3. Install anti-theft devices or a car alarm system
  4. Maintain a B grade point average in school to qualify for the good student discount
  5. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  7. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  8. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  9. Attend driving school and take a defensive driving course
  10. Shop around and compare low-cost Pflugerville car insurance quotes and discover all the discounts you qualify for

Sources:

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