Cedar Park drivers pay an average of $2,529/year — $758 more than the national average. With 1,033 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $813/year.
(888) 217-6781Estimated full coverage auto insurance rates for Cedar Park, TX from top carriers. Rates are adjusted for Cedar Park's 1,033 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $841 | $140/mo |
| GEICO | $959 | $160/mo |
| Progressive | $1,082 | $180/mo |
| State Farm | $1,182 | $197/mo |
| Allstate | $1,441 | $240/mo |
Estimates based on 2026 rate filings for ZIP 78613. USAA is cheapest at ~$140/mo. Actual rates vary by driver profile and exact Cedar Park location.
These Cedar Park-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Cedar Park, TX. Takes under 2 minutes.
(888) 217-6781With 77,595 residents, Cedar Park is a growing community in Texas where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hurricanes, tornadoes, hail, flooding, extreme heat and commuter corridors still influence premiums. Cedar Park drivers often find rates slightly below the Texas state average.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Cedar Park can swing your premium by hundreds of dollars. Here's how rates compare across Cedar Park neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 78616 | Cedar Park South Side | $2,375/yr | $198/mo |
| 78617 | Cedar Park North Side | $2,489/yr | $207/mo |
| 78621 | Cedar Park West Side | $2,512/yr | $209/mo |
| 78623 | Cedar Park East Side | $2,540/yr | $212/mo |
| 78613 | Cedar Park Downtown/Central | $2,768/yr | $231/mo |
The cheapest ZIP is 78616 (Cedar Park South Side) at $2,375/yr. The most expensive is 78613 (Cedar Park Downtown/Central) at $2,768/yr — a $393/year difference for the same driver.
Your Cedar Park ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Cedar Park. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,311/yr | $443/mo | +110% vs avg |
| Young Adult (20-25) | $3,541/yr | $295/mo | +40% vs avg |
| Adult (26-35) | $2,529/yr | $211/mo | 0% vs avg |
| Mid-Career (36-50) | $2,226/yr | $186/mo | -12% vs avg |
| Senior (51-65) | $2,099/yr | $175/mo | -17% vs avg |
| 65+ | $2,251/yr | $188/mo | -11% vs avg |
Teens in Cedar Park pay an average of $5,311/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,099/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Cedar Park drivers can save up to $813/year. ZIP 78616 (Cedar Park South Side) has the lowest rates starting at $2,375/yr.
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