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How much is car insurance in Daytona Beach?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Daytona Beach is about $26 cheaper than it is in the rest of Florida.
The average cost of insuring your vehicle in Daytona Beach is above the national rate. It's around $17 more expensive to insure your vehicle in Daytona Beach compared to the average rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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 broken down the average rates for Daytona Beach 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, simply enter your ZIP below to learn more about rates in your area!
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Daytona Beach Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to increase again in Daytona Beach.
Daytona Beach Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. While male drivers actually pay a little bit less than female drivers on their monthly insurance rates, the difference in Daytona Beach is only about $1 a month.
Daytona Beach Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Daytona Beach with a single accident on their record will usually see rates around $110 a month. Likewise, drivers with one ticket will be looking at a rate of around $114 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Daytona Beach Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$89|
|15 Years or Older||$99|
The cheapest vehicles to insure in Daytona Beach are typically trucks and vans, with each type typically costing about $87 per month.
Car owners can expect to pay an average of around $94 a month for their policy, while SUVs usually cost around $109 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Daytona Beach, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Daytona Beach Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$98|
Overall, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Daytona Beach is no exception, with the difference totaling to around $12 a month.
Daytona Beach Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$110|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Daytona Beach. But if you live with your parents, you can expect to pay a lot 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 Daytona Beach, FL
Recent trends in car insurance for Daytona Beach drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Auto insurance rates in Daytona Beach had been decreasing from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $79.
How does Daytona Beach compare to neighboring areas?
Why are car insurance rates in Daytona Beach different from other areas?
There are many factors car insurance companies will consider when deciding 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:
- Total amount of drivers in the area
- Crime rates
- Off-street parking accessibility
- Local laws
- Road Safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Daytona Beach?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Daytona Beach.
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Daytona Beach Auto Insurance FAQs
What factors affect car insurance quotes in Daytona Beach?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Daytona Beach different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Daytona Beach?
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 Daytona Beach?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Daytona Beach or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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