Coral Springs, FL Car Insurance

The average monthly cost for car insurance in Coral Springs is about $146. For information on policy rates, coverage, and more check out our guide below.
What rates should residents of Coral Springs expect to pay for their car insurance? How does Coral Springs compare to the surrounding area and 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 Coral Springs?

Area Average Monthly Car Insurance Premium
Coral Springs$146
FL$123
United States$81

Based on the information in the chart above, you can see that on average, it's about $23 a month more expensive to insure your vehicle in Coral Springs than it is in the rest of Florida.

Similarly, Coral Springs residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $65 more for your policy in Coral Springs.

These rates may be the average amount Coral Springs residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Coral Springs and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're overpaying for your area, just enter your ZIP 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$190
25-34$142
35-44$131
45-54$130
55-64$96
65+$158

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Coral Springs drivers may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$140
Female$154

Although women typically pay less than men do for auto insurance, this is not the case in Coral Springs, where female drivers pay around $154 per month while male drivers pay about $140.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$191
Multiple Accidents$171
1 Ticket$72
Multiple Tickets$184

Rates can change drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. The rate for drivers in Coral Springs with a single accident on their record is about $191 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $72.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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$224
2-3 Years$177
4-5 Years$138
6-7 Years$113
8-10 Years$128
11-14 Years$166
15 Years or Older$127

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Coral Springs, with drivers paying around $115 per month for insurance.

SUV drivers will see rates of about $124 for insurance coverage, while car owners usually pay around $160 a month.

Your rates can also vary depending 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 bill start to shrink a bit. In Coral Springs, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$144
Married$160
Divorced$122
Widowed$112

On average, people who are married will pay slightly less for car insurance. 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. Coral Springs is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$143
Rent$148
Live with parents$209

Your housing situation is another factor that affects your monthly rate. Homeowners in Coral Springs can expect to pay around $5 a month less than those who rent. 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 Coral Springs, FL

Recent trends in car insurance for Coral Springs drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The rates for car insurance in Coral Springs dropped from 2017-2019, when they reached a low of $119, but began to increase from 2020-2021. They finished down in 2022, at $156.

How does Coral Springs compare to neighboring areas?

Why are car insurance rates in Coral Springs different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Regional crime rates
  • Local regulations
  • Total amount of drivers in the community
  • Availability of off-street parking
  • Frequency of car accidents

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Coral Springs?

While knowing 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 wait! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Coral Springs.

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Coral Springs Insurance FAQs

What factors affect car insurance quotes in Coral Springs?

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 Coral Springs 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 Coral Springs?

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 Coral Springs?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Coral Springs or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes