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How much is car insurance in Deerfield Beach?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Deerfield Beach will typically run you about $28 a month more than in the rest of Florida.
Likewise, the expected monthly payments for an auto insurance policy in Deerfield Beach are above the national average. Coverage in Deerfield Beach is about $71 more expensive than it is for the rest of the U.S.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Deerfield Beach so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Deerfield Beach Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Deerfield Beach drivers may see their rates start to rise again once they hit retirement age.
Deerfield Beach Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Deerfield Beach, where female drivers pay around $4 more per month.
Deerfield Beach Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Deerfield Beach with a single accident will pay around $174 a month. Similarly, drivers with one ticket will typically pay around $116 on average.
Deerfield Beach Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$155|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Deerfield Beach, with drivers paying around $132 per month for insurance.
Car owners, on the other hand, typically pay around $151 a month, while SUV drivers can expect to pay about $161 per month for insurance coverage.
The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive 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.
Deerfield Beach Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$161|
Generally speaking, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Deerfield Beach is about $39 a month, with married couples paying less for coverage than single drivers.
Deerfield Beach Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$195|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $56 a month more than homeowners in Deerfield Beach. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Deerfield Beach, FL
Recent trends in car insurance for Deerfield Beach drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The rates for car insurance in Deerfield Beach had been decreasing from 2017-2018, when they hit a low of $124, but started to rise from 2019-2020. They finished up in 2022, at $244.
How does Deerfield Beach compare to neighboring areas?
Why are car insurance rates in Deerfield Beach different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Community regulations
- Amount of off-street parking
- Local crime rates
- Road safety
- Number of drivers in the region
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Deerfield Beach?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Deerfield Beach.
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Deerfield Beach Auto Insurance FAQs
What factors affect car insurance quotes in Deerfield Beach?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Deerfield Beach different from other neighboring cities?
Local laws, crime rates, and parking situations -- 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 Deerfield Beach?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Deerfield Beach?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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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