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How much is car insurance in Apopka?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Apopka are about the same as what you would pay anywhere else in Florida.
Compared to the national average cost of auto coverage, Apopka has higher rates. It's around $40 more expensive for coverage in Apopka than the average rates seen in the rest of the U.S.
While these are the average costs to insure your vehicle in Apopka, keep in mind that you could end up paying a different amount. 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 your monthly payment amount.
We've done the heavy lifting for you and broken down the average rate for Apopka so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may creep back up a bit in Apopka.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Apopka actually bucks this trend. While female drivers pay $127 per month for auto insurance coverage, males only pay about $113.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. In Apopka, a driving record with a single accident will usually get you a rate around $133 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $164.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$126|
If you look at the first table above, the cheapest vehicles to insure in Apopka are usually trucks and vans, at $101 per month.
SUV drivers will see rates of about $114 for auto insurance, while car owners typically pay around $124 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In Apopka, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Generally, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Apopka is no exception, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$198|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $39 a month more than homeowners in Apopka. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, 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.
Auto insurance rates in Apopka increased from 2016-2017, before turning downward from 2018-2020. They finished up in 2021 at $112 per month.
How does Apopka compare to neighboring areas?
Why are car insurance rates in Apopka different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Local crime rates
- Total number of drivers
- Frequency of car accidents
- Regional regulations
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Apopka?
While knowing 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.
But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Apopka.
Apopka Insurance FAQs
What factors affect car insurance quotes in Apopka?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
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 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Apopka or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.