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How much is car insurance in Clermont?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Clermont is about $15 a month cheaper than it is for the rest of Florida.
The average cost of insuring your vehicle in Clermont is above the national rate. It's about $27 more for coverage in Clermont than in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Clermont, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rate for Clermont residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average 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. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up a bit in Clermont.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance coverage, Clermont actually defies this trend. While female drivers pay $111 per month for car insurance, males only pay about $106.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Clermont, a driving record with one accident will usually get you a rate around $137 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $132.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$108|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Clermont, with drivers paying around $79 per month for insurance coverage.
SUV drivers will see rates of about $98, while the rates for car owners average out to about $114 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Clermont are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Clermont is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $46 a month more than drivers who own property in Clermont. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
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 choosing when and where to shop.
In Clermont, car insurance rates decreased from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $48.
How does Clermont compare to neighboring areas?
Why are car insurance rates in Clermont different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Availability of off-street parking
- Area crime rates
- Road Safety (frequency of car accidents)
- Total amount of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Clermont.
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Clermont Insurance FAQs
What factors affect car insurance quotes in Clermont?
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 credit score, driving record, address, 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 crime rates, parking situations, 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?
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 Clermont?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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