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How much is car insurance in Boca Raton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $21 a month more expensive to insure your vehicle in Boca Raton than it is in the rest of Florida.
Likewise, the expected monthly payments for an auto insurance policy in Boca Raton are above the national average. The average monthly payment in Boca Raton is about $63 more expensive than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Boca Raton, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Boca Raton to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $91 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up in Boca Raton.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Boca Raton bucks this trend. Female drivers typically pay around $12 more per month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Boca Raton with a single accident will pay around $188 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $172.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$157|
|15 Years or Older||$153|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Boca Raton, with drivers paying around $124 per month for insurance coverage.
Car owners will see a monthly rate of about $146, while SUV owners usually pay around $135 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Boca Raton, 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)||$151|
On average, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
In Boca Raton, the difference in rates based on relationship status can be as much as $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$198|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Boca Raton. 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 Boca Raton, FL
Recent trends in car insurance for Boca Raton drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for auto insurance in Boca Raton went up from 2016-2017, before steadying out in 2018. They finished up in 2021, at $142 per month
How does Boca Raton compare to neighboring areas?
Why are car insurance rates in Boca Raton different from other areas?
There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Area crime rates
- Area laws
- Total amount of drivers in the community
- Road Safety (how many accidents each locality has)
- Off-street parking availability
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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 Boca Raton?
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.
But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Boca Raton.
Boca Raton Insurance FAQs
What factors affect car insurance quotes in Boca Raton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Boca Raton different from other neighboring cities?
Parking situations, local laws, 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 Boca Raton?
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 Boca Raton?
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 Boca Raton 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?