Altamonte Springs, FL Car Insurance

Drivers in Altamonte Springs pay around $109 a month for their car insurance. Learn more in our handy guide below.
How do rates in Altamonte Springs measure up compared to neighboring areas, including Florida as a whole? What rates should residents of Altamonte Springs expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Altamonte Springs?

Area Average Monthly Car Insurance Premium
Altamonte Springs$109
FL$123
United States$81

According to the chart above, the average cost of auto insurance in Florida is about $14 a month more expensive than it is in Altamonte Springs.

Compared to the national average cost of auto coverage, Altamonte Springs has higher rates. It's about $28 more expensive for coverage in Altamonte Springs than the average rates for the U.S. as a whole.

Although these are the average rates for auto insurance in Altamonte Springs, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've analyzed the average rate for Altamonte Springs and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$165
25-34$101
35-44$113
45-54Not Enough Data
55-64$91
65+$74

The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Altamonte Springs may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$114
Female$102

On average, female drivers pay slightly less for car insurance than their male counterparts. In Altamonte Springs, the difference comes out to about $12 per month. Based on the chart above, you can see that female drivers pay around $102 on average, while male drivers typically pay $114 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$144
Multiple Accidents$144
1 Ticket$112
Multiple Tickets$182

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Altamonte Springs with a single accident on their record is about $144 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $112 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$104
2-3 Years$107
4-5 Years$88
6-7 Years$94
8-10 Years$123
11-14 Years$118
15 Years or Older$105

In Altamonte Springs, the cheapest vehicles to insure are usually SUVs, with drivers paying around $93 per month for auto insurance.

Car owners will see rates of about $116, while truck and van owners typically pay around $98 a month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is about 5 years old. In Altamonte Springs, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$105
Married$135
Divorced$115
Widowed$86

Generally, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Altamonte Springs reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$85
Rent$118
Live with parents$152

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $33 a month more than if you own your own home in Altamonte Springs. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Altamonte Springs, FL

Recent trends in car insurance for Altamonte Springs drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of car insurance in Altamonte Springs had been decreasing from 2017-2020, before steadying out in 2021. Rates finished down in 2022, at $84 per month

How does Altamonte Springs compare to neighboring areas?

Why are car insurance rates in Altamonte Springs different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:

  • Regional crime rates
  • Area laws
  • Total number of drivers in the region
  • Road Safety (frequency of local car accidents)
  • Off-street parking availability

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Altamonte Springs?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Altamonte Springs.

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Altamonte Springs Insurance FAQs

What factors affect car insurance quotes in Altamonte Springs?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Altamonte Springs different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Altamonte Springs?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Altamonte Springs?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Altamonte Springs or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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