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How much is car insurance in Apopka?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Apopka are slightly less expensive than the rest of Florida.
On the other hand, Apopka residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Apopka is about $40 more expensive than the rate for the rest of the U.S.
Although these are the average car insurance rates in Apopka, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. 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 the bill you'll see each month.
We've broken down the average rates for Apopka to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay $80 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Apopka may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Apopka, where female drivers pay around $12 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Apopka, having a single accident on your record will usually get you rates around $136 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $124.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$124|
|15 Years or Older||$121|
In Apopka, the cheapest vehicles to insure are usually SUVs, with drivers paying around $112 per month for insurance coverage.
Car owners, on the other hand, typically pay around $126 a month, while truck and van drivers can expect to pay about $113 per month to insure their car.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Apopka are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$126|
Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Apopka as well, where the difference is around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$192|
Your housing situation is another factor that affects your monthly rate. Homeowners in Apopka can expect to pay around $31 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Apopka, FL
Recent trends in car insurance for Apopka drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of car insurance coverage in Apopka dropped from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $65 a month
How does Apopka compare to neighboring areas?
Why are car insurance rates in Apopka different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional crime rates
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
- Off-street parking access
- Regional laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Apopka?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Apopka.
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Apopka Insurance FAQs
What factors affect car insurance quotes in Apopka?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Apopka different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Apopka?
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 Apopka?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Apopka or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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