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How much is car insurance in Auburndale?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Auburndale will typically run you about $4 a month more than in the rest of Florida.
Similarly, Auburndale residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of auto coverage in Auburndale is about $46 more expensive than the national average.
While these are the average monthly costs for auto insurance coverage in Auburndale, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Auburndale residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay $68 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Auburndale.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Auburndale, where female drivers pay around $148 per month while male drivers pay about $109.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Auburndale with a single accident on their record will usually see rates around $150 a month. In addition, drivers with a single ticket on their record can expect to pay around $194 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$158|
|15 Years or Older||$124|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Auburndale, with drivers paying around $103 per month for auto insurance coverage.
Car owners will see a monthly premium of about $136, while SUV owners usually pay around $110 a month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Auburndale, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$133|
Overall, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Auburndale as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Auburndale, expect to pay around $55 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 and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Auburndale, FL
Recent trends in car insurance for Auburndale drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Auburndale, car insurance rates had been decreasing from 2017-2019, when they reached a low of $115. This shifted in 2020, when they began to increase again. They finished down in 2022, at $95 per month
How does Auburndale compare to neighboring areas?
Why are car insurance rates in Auburndale different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Road Safety (frequency of local car accidents)
- Regional crime rates
- Total amount of drivers in the community
- Off-street parking availability
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Auburndale?
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.
Fortunately, Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer plans in Auburndale.
Auburndale Insurance FAQs
What factors affect car insurance quotes in Auburndale?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Auburndale different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Auburndale?
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 Auburndale?
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 Auburndale 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.