Apopka, FL Car Insurance

How much can residents of Apopka expect to pay for their car insurance? Compared to their surrounding area, how do rates in Apopka stack up? What about against the rest of Florida? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Apopka?

Compared to the rest of the Florida, coverage in Apopka is about $4 a month cheaper.

On the other hand, residents of Apopka might expect to pay higher rates for coverage than the rest of the country. It's around $39 more expensive for coverage in Apopka than the average rates seen in the rest of the U.S.

While these are the average car insurance rates for Apopka, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't worry, we've done the work for you and broken down average rates for Apopka to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Apopka Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement in Apopka.

Apopka Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for auto insurance, Apopka actually goes against the grain. While female drivers pay $126 a month for car insurance, males only pay about $113.

Apopka Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Apopka, a driving record with one accident will usually get you a rate around $136 a month. In addition, drivers with a single ticket on their record can expect to pay around $129 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Apopka Insurance Rates by Vehicle

According to the first table above, the cheapest vehicles to insure in Apopka are usually trucks and vans, at $102 per month.

Car owners will see a monthly premium of about $126, while SUV owners typically pay around $113 per month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Apopka, vehicles eleven-to-fourteen years old are the most expensive to insure.

Apopka Car Insurance Rates by Relationship Status

Generally, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

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.

Apopka Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living situation. If you rent your home or apartment in Apopka, expect to pay around $29 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Apopka, FL

Recent trends in car insurance for Apopka drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The rates for car insurance in Apopka had been decreasing from 2017-2020, before leveling out in 2021. They finished down in 2022, at $84 a month

How does Apopka compare to neighboring areas?

Why are car insurance rates in Apopka different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around where you call home. These factors include things like:

• Total number of drivers
• Crime rates
• Road Safety (total number of local car accidents)
• Local regulations
• Amount of off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Apopka?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in Apopka.

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Apopka Auto 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 age and gender, as well as your driving record, credit score, marital status, and address.

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

Crime rates, parking situations, and local laws -- 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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.