Cocoa, FL Car Insurance

Drivers in Cocoa pay, on average, $108 a month for their car insurance. To learn more about policy rates and coverage in the Cocoa area, continue reading our guide below.
How does Cocoa compare to the surrounding area and the rest of Florida? What should residents of Cocoa expect to pay for their car insurance? 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$108
FL$122
United States$80

Compared to the rest of the Florida, coverage in Cocoa is about $14 a month cheaper.

Compared to the national average cost of auto coverage, Cocoa has higher rates. You can expect to pay about $28 more for your policy in Cocoa.

Although these are the average monthly costs for an auto insurance policy in Cocoa, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down the average rates for Cocoa to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$149
25-34$112
35-44$108
45-54$78
55-64$95
65+$82

The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay $67 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Cocoa drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$93
Female$118

Although women typically pay less than men do to insure their car, this is not the case in Cocoa, where female drivers pay around $118 per month while male drivers pay about $93.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$152
Multiple Accidents$175
1 Ticket$239
Multiple Tickets$186

Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Cocoa with one accident will pay around $152 a month. In addition, drivers with one ticket can expect to pay around $239 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$62
4-5 Years$90
6-7 Years$108
8-10 Years$94
11-14 Years$116
15 Years or Older$111

According to the first table above, the cheapest vehicles to insure in Cocoa are by and large trucks and vans, at $78 per month.

SUV drivers will see rates of about $105 to insure their vehicle, while car owners usually pay around $113 a month.

You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Cocoa, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$110
Married$100
Divorced$109
Widowed$81

On average, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

In Cocoa, the difference in rates based on relationship status can be as much as $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$85
Rent$121
Live with parents$100

Your living situation is another factor that affects your monthly rate. In Cocoa, homeowners can expect to pay around $36 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Cocoa, FL

Recent trends in car insurance for Cocoa drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

Car insurance rates in Cocoa increased from 2016-2017, before leveling out in 2018. Policy premiums began increasing again in 2019, and finished down in 2021, at $76 per month

How does Cocoa compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Amount of drivers in the area
  • Number of car accidents
  • Crime rates
  • Availability of off-street parking
  • Regional regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about 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 Cocoa?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com has you covered. 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 providing auto coverage in Cocoa in no time.

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Cocoa 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 age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Cocoa or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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