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How much is car insurance in Boca Raton?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Florida are about $21 a month cheaper than the rates drivers pay in Boca Raton.
Compared to the national average cost of auto coverage, Boca Raton has higher rates. The average monthly payment for the rest of the U.S. is about is about $64 cheaper than it is in Boca Raton.
While these are the average costs to insure your vehicle in Boca Raton, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Boca Raton 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 sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Boca Raton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $90 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up in Boca Raton.
Boca Raton Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance coverage, Boca Raton actually goes against the grain. While female drivers pay $148 per month for car insurance, males only pay about $142.
Boca Raton 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 fewer accidents and tickets will pay a lot less than those with multiple infractions. In Boca Raton, a driving record with one accident will usually get you a rate around $184 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $174 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Boca Raton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$150|
|15 Years or Older||$155|
In terms of affordable coverage, the cheapest vehicles to insure in Boca Raton are typically SUVs, at $133 per month.
SUV owners will see rates of about $133, while truck and van owners usually pay around $161 a month.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Boca Raton, vehicles fifteen years and older are the most expensive to insure.
Boca Raton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$153|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Boca Raton is about $19 a month, with married couples paying less for coverage than single drivers.
Boca Raton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$211|
Another factor taken into consideration is your housing situation. In Boca Raton, homeowners can expect to pay around $13 a month less than those who rent. 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 Boca Raton, FL
Recent trends in car insurance for Boca Raton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Boca Raton, the rates for car insurance had been decreasing from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $142 per month
How does Boca Raton compare to neighboring areas?
Why are car insurance rates in Boca Raton different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Access to off-street parking
- Area crime rates
- Area laws
- Total number of drivers in the area
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Boca Raton.
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Boca Raton Auto Insurance FAQs
What factors affect car insurance quotes in Boca Raton?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Boca Raton 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 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 however, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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 Boca Raton 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.
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