Cocoa, FL Car Insurance

On average, drivers in Cocoa pay around $106 per month for their car insurance. To learn more about what you're likely to pay in the Cocoa area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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What should residents of Cocoa expect to pay for their car insurance? Are rates in Cocoa higher or lower than those in neighboring areas? How do they compare to the rest of Florida? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Cocoa?

Area Average Monthly Car Insurance Premium
Cocoa$106
FL$123
United States$80

According to the chart above, the average cost of auto insurance in Florida is about $17 a month more expensive than it is in Cocoa.

That being said the expected monthly payments for an auto insurance policy in Cocoa are above the national average. The average monthly payment in Cocoa is about $26 more expensive than the rate for the rest of the U.S.

Although these are the average car insurance rates in Cocoa, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

Don't worry, we've done the work for you and broken down the average rates for Cocoa to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!


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Cocoa Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$145
25-34$108
35-44$108
45-54Not Enough Data
55-64$103
65+$89

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates climb back up a bit in Cocoa.

Cocoa Car Insurance Rates by Gender

Gender Average
Male$92
Female$117

Although women typically pay less than men do to insure their car, this is not the case in Cocoa, where female drivers pay around $117 per month while male drivers pay about $92.

Cocoa Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$149
Multiple Accidents$174
1 Ticket$189
Multiple Tickets$178

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Cocoa, a driving record with one accident will usually get you a rate around $149 a month. Likewise, drivers with one ticket will be looking at a rate of around $189 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Cocoa Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$65
2-3 Years$86
4-5 Years$93
6-7 Years$108
8-10 Years$92
11-14 Years$111
15 Years or Older$110

According to the first table above, the cheapest vehicles to insure in Cocoa are usually trucks and vans, at $93 per month.

Cars and SUVs, however, usually cost about $109 for auto insurance.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Cocoa are vehicles eleven-to-fourteen years old.

Cocoa Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$108
Married$101
Divorced$103
Widowed$89

On average, 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 offer special discounts for.

The cost of auto insurance in Cocoa reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $7 a month.

Cocoa Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$94
Rent$115
Live with parents$98

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $21 a month more than homeowners in Cocoa. 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 Cocoa, FL

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

Rates in Cocoa have been mixed recently. They fell in 2017, rose in 2019, and declined again in 2021, before finishing at $89 in 2022.

How does Cocoa compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Regional crime rates
  • Amount of off-street parking
  • Area laws
  • Road Safety (frequency of local car accidents)
  • Amount of drivers in the area

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Cocoa?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Cocoa.


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Cocoa Auto Insurance FAQs

What factors affect car insurance quotes in Cocoa?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Cocoa 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 Cocoa?

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 Cocoa?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Cocoa 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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