Clermont, FL Car Insurance

On average, drivers in Clermont pay around $110 per month for their car insurance. To learn more about what you're likely to pay in the Clermont area, read our guide below.
Compared to their surrounding area, how do rates in Clermont stack up? What about against the rest of Florida? What rates should residents of Clermont expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Clermont?

Area Average Monthly Car Insurance Premium
Clermont$110
FL$122
United States$80

As you can see in the chart above, it is around $12 a month cheaper to insure your vehicle in Clermont than it is in the rest of Florida.

Drivers relocating the Clermont should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $30 cheaper than it is in Clermont.

Keep in mind that these are the average auto insurance rates for Clermont, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Clermont residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$165
25-34$95
35-44$86
45-54Not Enough Data
55-64$65
65+$85

The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $80 more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Clermont drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$106
Female$116

Although women typically pay less than men do for auto insurance, this is not the case in Clermont, where female drivers pay around $10 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$137
Multiple Accidents$178
1 Ticket$203
Multiple Tickets$132

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay less than those with infractions. In Clermont, drivers with one accident on their record will experience rates around $137 a month. Likewise, drivers with one ticket will be looking at a rate of around $203 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$85
2-3 Years$88
4-5 Years$72
6-7 Years$98
8-10 Years$133
11-14 Years$106
15 Years or Older$115

In Clermont, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $81 per month for auto insurance.

SUV drivers will see rates of about $102 to insure their car, while car owners typically pay around $116 a month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Clermont, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$119
Married$94
Divorced$89
Widowed$78

Overall, married policyholders 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 Clermont can be as much as $25 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$69
Rent$127
Live with parents$128

Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $58 a month more than drivers who own property in Clermont. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Clermont, FL

Recent trends in car insurance for Clermont drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Clermont, the rates for auto insurance dropped from 2016-2019, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $139 per month.

How does Clermont compare to neighboring areas?

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

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Road safety
  • Rate of crime
  • Off-street parking availability
  • Community laws
  • Total drivers

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. Knowing 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 Clermont?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Clermont.

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Clermont Insurance FAQs

What factors affect car insurance quotes in Clermont?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Clermont?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

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. 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 Clermont 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