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How much is car insurance in Coral Springs?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $22 a month more expensive to insure your vehicle in Coral Springs than it is in the rest of Florida.
Likewise, the expected monthly payments for an auto insurance policy in Coral Springs are above the national average. It's about $65 more expensive than the national average to insure your vehicle in Coral Springs.
Bear in mind that while these rates represent the expected monthly payments for drivers in Coral Springs, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down average rates for Coral Springs residents so that you can get a more accurate idea of what you might pay. 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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Coral Springs Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $32 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up a bit in Coral Springs.
Coral Springs Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Coral Springs men actually pay $139 per month for coverage while women pay $154.
Coral Springs Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay significantly less than those with infractions. In Coral Springs, a driving record with one accident will usually get you a rate around $191 a month. Similarly, drivers with one ticket will typically pay around $72 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Coral Springs Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$218|
|15 Years or Older||$128|
The cheapest vehicles to insure in Coral Springs are usually trucks and vans, with each type typically costing about $114 per month.
Car owners, on the other hand, typically pay around $160 per month, while SUV drivers can expect to pay about $123 a month for auto insurance.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Coral Springs, the most expensive vehicles to insure are vehicles less than one year old.
Coral Springs Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$144|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Coral Springs is no exception, with the difference totaling to around $12 a month.
Coral Springs Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$209|
Another factor that comes into play is your living accommodations. In Coral Springs, homeowners can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Coral Springs, FL
Recent trends in car insurance for Coral Springs 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.
The cost of insurance in Coral Springs declined from 2017-2019, when it hit a low of $119, but started to rise from 2020-2021. It finished down in 2022, at $143.
How does Coral Springs compare to neighboring areas?
Why are car insurance rates in Coral Springs different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road safety
- Community laws
- Crime levels
- Off-street parking availability
- Number of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Coral Springs?
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 has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Coral Springs in no time.
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Coral Springs Auto 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 you can't control like your gender and age but also factors like your address, credit score, driving record 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?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Coral Springs?
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 Coral Springs?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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 Coral Springs 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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