Table of contents
How much is car insurance in Deerfield Beach?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $25 a month more expensive to insure your vehicle in Deerfield Beach than it is in the rest of Florida.
Similarly, Deerfield Beach residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $67 cheaper than it is in Deerfield Beach.
Bear in mind that while these rates represent the expected monthly payments for drivers in Deerfield Beach, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Deerfield Beach and broken down the different factors to help you understand what your monthly bill might look like. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates start to rise again in Deerfield Beach.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Deerfield Beach actually bucks this trend. While female drivers pay $152 a month for insurance coverage, males only pay about $141.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. In Deerfield Beach, drivers with one accident on their record will experience rates around $174 a month.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$134|
|15 Years or Older||$158|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Deerfield Beach, with drivers paying around $135 per month for insurance coverage.
SUV drivers will see rates of about $151 for car insurance, while car owners usually pay around $147 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Deerfield Beach are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$156|
More often than not, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Deerfield Beach, with married couples paying about $38 less per month.
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 status. If you rent your home or apartment, expect to pay around $48 a month more than if you own your own home in Deerfield Beach. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
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 provider.
The rates for auto insurance in Deerfield Beach increased from 2016-2017, before leveling out in 2018. Insurance rates went up again, reaching a high of $176 in 2020, and finished down at $143 in 2021.
How does Deerfield Beach compare to neighboring areas?
Why are car insurance rates in Deerfield Beach different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Local laws
- Road Safety (frequency of local car accidents)
- Prevalence of crime
- Amount of off-street parking
- Amount of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Deerfield Beach in no time.
Deerfield Beach Insurance FAQs
What factors affect car insurance quotes in Deerfield Beach?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Deerfield Beach 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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
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 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?
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 Deerfield Beach 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.