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How much is car insurance in Deerfield Beach?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Florida are about $25 a month cheaper than the rates drivers pay in Deerfield Beach.
If you're considering relocating to Deerfield Beach from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $67 cheaper than it is in Deerfield Beach.
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. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 sweat it however, we've broken down average rates for Deerfield Beach residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement age in Deerfield Beach.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Deerfield Beach actually goes against the grain. While female drivers pay $150 per month for insurance coverage, males only pay about $145.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Deerfield Beach, a driving record with one accident will usually get you a rate around $174 a month. Similarly, drivers with one ticket will typically pay around $116 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$134|
|15 Years or Older||$155|
The most affordable vehicles to insure in Deerfield Beach are by and large trucks and vans, which run about $132 per month.
Cars and SUV, on the other hand, usually cost about $150 for insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Deerfield Beach, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$156|
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 some companies will reward with discounts.
The difference in rates based on relationship status in Deerfield Beach is about $34 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$195|
One other element taken into consideration is your housing situation. In Deerfield Beach, homeowners can expect to pay around $49 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.
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 car insurance premiums.
Car Insurance Companies in Deerfield Beach, FL
Recent trends in car insurance for Deerfield Beach drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Deerfield Beach, auto insurance rates had been decreasing from 2017-2018, when they hit a low of $124, but started to rise from 2019-2020. Rates finished up in 2022, at $349.
How does Deerfield Beach compare to neighboring areas?
Why are car insurance rates in Deerfield Beach different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Community regulations
- Number of drivers in the community
- Amount of off-street parking
- Road Safety (how many accidents each locality has)
- Local crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Deerfield Beach?
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 does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Deerfield Beach.
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Deerfield Beach Insurance FAQs
What factors affect car insurance quotes in Deerfield Beach?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Deerfield Beach different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Deerfield Beach?
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 Deerfield Beach?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Deerfield 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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