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How much is car insurance in Clermont?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Clermont is about $12 cheaper than it is in the rest of Florida.
That being said Clermont residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $31 more expensive for coverage in Clermont than the average rates seen in the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Clermont, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Clermont so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Clermont Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay $93 more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates creep back up a bit in Clermont.
Clermont Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in Clermont, where female drivers pay around $116 per month while male drivers pay about $107.
Clermont Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Clermont, a driving record with one accident will usually get you a rate around $137 a month. In addition, drivers with a single ticket on their record can expect to pay around $133 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Clermont Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$116|
The cheapest vehicles to insure in Clermont are by and large trucks and vans, with each type typically costing about $84 per month.
Car owners, on the other hand, typically pay around $118 a month, while SUV drivers can expect to pay about $99 per month for insurance.
Your rates can also vary depending on how old your vehicle is. 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 around 5 years old. In Clermont, vehicles eight-to-ten years old are the most expensive to insure.
Clermont Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$117|
On average, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Clermont, the difference in rates based on relationship status can be as much as $20 a month.
Clermont Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Clermont, expect to pay around $34 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Clermont, FL
Recent trends in car insurance for Clermont drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Auto insurance rates in Clermont decreased from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $109.
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 deciding how much to charge for coverage. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Availability of off-street parking
- Crime rates
- Total number of drivers in the community
- Road Safety (how many accidents each locality has)
- Area regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Clermont?
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.
But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Clermont.
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Clermont Auto Insurance FAQs
What factors affect car insurance quotes in Clermont?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Clermont different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Clermont or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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