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How much is car insurance in Brooksville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Brooksville is about $8 cheaper than it is in the rest of Florida.
On the other hand, residents of Brooksville might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $35 cheaper than it is in Brooksville.
Although these are the average car insurance rates in Brooksville, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down average rates for Brooksville to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Brooksville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 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. That said, once you hit retirement, your rates may creep back up in Brooksville.
Brooksville Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Brooksville, this difference shakes out to about $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $112 each month, while men pay $118 on average.
Brooksville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Brooksville, a driving record with one accident will usually get you a rate around $174 a month. Likewise, drivers with one ticket will be looking at a rate of around $183 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Brooksville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$110|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Brooksville, with drivers paying around $95 per month for auto insurance coverage.
Car owners, on the other hand, typically pay around $123 per month, while truck and van drivers can expect to pay about $113 a month to insure their car.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Brooksville, the most expensive vehicles to insure are vehicles two-to -three years old.
Brooksville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$123|
Overall, married policyholders will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Brooksville can be as much as $30 a month, so it's worth keeping that in mind.
Brooksville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$170|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $11 a month more than those who own their own home in Brooksville. But if you live with your parents, your rates will be significantly higher.
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 costs.
Car Insurance Companies in Brooksville, FL
Recent trends in car insurance for Brooksville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Brooksville, car insurance rates rose from 2017-2018, before leveling out in 2019. Car insurance rates finished up in 2022, at $116 per month
How does Brooksville compare to neighboring areas?
Why are car insurance rates in Brooksville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Regional crime rates
- Total number of drivers in the region
- Regional laws
- Off-street parking availability
- Road Safety (frequency of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Brooksville?
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.
But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Brooksville.
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Brooksville Auto Insurance FAQs
What factors affect car insurance quotes in Brooksville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Brooksville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Brooksville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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