Pflugerville drivers pay an average of $2,509/year — $738 more than the national average. With 880 crashes per year and a 2.2 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $793/year.
(888) 217-6781Estimated full coverage auto insurance rates for Pflugerville, TX from top carriers. Rates are adjusted for Pflugerville's 880 annual crashes, 2.2 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $834 | $139/mo |
| GEICO | $951 | $159/mo |
| Progressive | $1,074 | $179/mo |
| State Farm | $1,173 | $195/mo |
| Allstate | $1,430 | $238/mo |
Estimates based on 2026 rate filings for ZIP 78660. USAA is cheapest at ~$139/mo. Actual rates vary by driver profile and exact Pflugerville location.
These Pflugerville-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Pflugerville, TX. Takes under 2 minutes.
(888) 217-6781With 65,191 residents, Pflugerville 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. Pflugerville 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 Pflugerville can swing your premium by hundreds of dollars. Here's how rates compare across Pflugerville neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 78672 | Pflugerville South Side | $2,331/yr | $194/mo |
| 78662 | Pflugerville North Side | $2,445/yr | $204/mo |
| 78680 | Pflugerville West Side | $2,529/yr | $211/mo |
| 78666 | Pflugerville East Side | $2,552/yr | $213/mo |
| 78660 | Pflugerville Downtown/Central | $2,690/yr | $224/mo |
The cheapest ZIP is 78672 (Pflugerville South Side) at $2,331/yr. The most expensive is 78660 (Pflugerville Downtown/Central) at $2,690/yr — a $359/year difference for the same driver.
Your Pflugerville ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Pflugerville. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,269/yr | $439/mo | +110% vs avg |
| Young Adult (20-25) | $3,513/yr | $293/mo | +40% vs avg |
| Adult (26-35) | $2,509/yr | $209/mo | 0% vs avg |
| Mid-Career (36-50) | $2,208/yr | $184/mo | -12% vs avg |
| Senior (51-65) | $2,082/yr | $174/mo | -17% vs avg |
| 65+ | $2,233/yr | $186/mo | -11% vs avg |
Teens in Pflugerville pay an average of $5,269/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,082/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.
Pflugerville drivers can save up to $793/year. ZIP 78672 (Pflugerville South Side) has the lowest rates starting at $2,331/yr.
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