Table of contents
How much is car insurance in Brooksville?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Florida, coverage in Brooksville is about $4 a month cheaper.
On the flip side, residents of Brooksville might expect to pay higher rates for coverage than the rest of the country. It's about $38 more for coverage in Brooksville than in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Brooksville, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Brooksville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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 makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Brooksville.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Brooksville, where women pay around $6 less per month. As illustrated in the table above, female drivers in the area pay about $115 on average, while male drivers pay around $121 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Brooksville with a single accident will pay around $173 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $240.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$88|
|15 Years or Older||$111|
The most affordable vehicles to insure in Brooksville are usually SUVs, which run about $100 per month.
Car owners can expect to pay an average of around $124 a month for their policy, while truck and van drivers are usually around $115 to insure each month.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Brooksville, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$130|
Overall, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Brooksville as well, where the difference is around $39 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Brooksville, expect to pay around $11 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Brooksville, FL
Recent trends in car insurance for Brooksville 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.
In Brooksville, car insurance rates went up from 2016-2018, before steadying out in 2019. Insurance rates finished down in 2021, at $99 a month
How does Brooksville compare to neighboring areas?
Why are car insurance rates in Brooksville different from other areas?
Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
- Prevalence of crime
- Amount of drivers in the area
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Brooksville?
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.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Brooksville.
Brooksville Insurance FAQs
What factors affect car insurance quotes in Brooksville?
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 Brooksville 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 Brooksville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Brooksville?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Brooksville 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.