Brandon, FL Car Insurance

On average, Brandon drivers pay around $156 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What rates can residents of Brandon expect to pay for their car insurance? Compared to their surrounding area, how do rates in Brandon stack up? What about against the rest of Florida? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Brandon?

Area Average Monthly Car Insurance Premium
Brandon$156
FL$123
United States$81

Looking at the chart above, you can see that it is around $33 a month more expensive to insure your vehicle in Brandon than it is in the rest of Florida.

Similarly, Brandon residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $75 more for coverage in Brandon than in the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Brandon, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.

We've broken down the average rates for Brandon to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$201
25-34$152
35-44$135
45-54$148
55-64$126
65+$133

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Brandon drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$152
Female$159

Despite the national trend of women paying less than men to insure their vehicle, in Brandon men actually pay $152 per month for coverage while women pay $159.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$222
Multiple Accidents$207
1 Ticket$123
Multiple Tickets$308

Rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Brandon with a single accident on their record is about $222 a month. In addition, drivers with a single ticket on their record can expect to pay around $123 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$194
2-3 Years$130
4-5 Years$158
6-7 Years$185
8-10 Years$137
11-14 Years$153
15 Years or Older$154

The cheapest vehicles to insure in Brandon are by and large trucks and vans, with each type typically costing about $132 per month.

SUV drivers will see rates of about $169 for car insurance coverage, while car owners typically pay around $154 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Brandon are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$161
Married$142
Divorced$127
Widowed$129

Generally, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

According to the table above, the difference in rates based on relationship status in Brandon can be as much as $19 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$143
Rent$162
Live with parents$139

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $19 a month more than those who own their own home in Brandon. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Brandon, FL

Recent trends in car insurance for Brandon drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Brandon, auto insurance rates dropped from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $84 per month

How does Brandon compare to neighboring areas?

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

There are several factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Number of drivers in the region
  • Regional regulations
  • Crime levels
  • Road Safety (frequency of car accidents)
  • Availability of off-street parking

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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 Brandon?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Brandon in no time.

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Brandon Insurance FAQs

What factors affect car insurance quotes in Brandon?

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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

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

Things like crime rates, parking situations, 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 Brandon?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Brandon?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. 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 Brandon 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?

Find your best rate in just a few minutes