Deland, FL Car Insurance

How does Deland stack up to the rest of the area, or even Florida as a whole? How much can residents of Deland expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Deland?

Looking at the chart above, you can see it's around $24 a month cheaper to insure your vehicle in Deland than it is in the rest of Florida.

If you're considering relocating to Deland from out of state, you may want to budget a little extra for your insurance. It's about $18 more for coverage in Deland than in the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Deland, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down the average rate for Deland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than 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 age, however, you may see your rates start to rise again in Deland.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. This is true in Deland, where male drivers pay about $9 more per month. As you can see in the table above, male drivers in the area typically pay $104 on average, while female drivers typically pay $95 each month.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Deland with a single accident will pay around $123 a month. Similarly, drivers with one ticket will typically pay around $110 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

According to the first table above, SUVs are typically the cheapest vehicles to insure in Deland, with drivers paying around $87 per month to insure their vehicle.

Car owners will see rates of about $104, while truck and van owners by and large pay around $103 a month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Deland, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Deland can be as much as $18 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $13 a month more than homeowners in Deland. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Deland, FL

Recent trends in car insurance for Deland drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Deland, the rates for auto insurance decreased from 2017-2019, before steadying out in 2020. Rates finished up in 2022, at $138 per month

How does Deland compare to neighboring areas?

Why are car insurance rates in Deland different from other areas?

When considering how much to charge for coverage, car insurance companies will review a lot of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

• Community regulations
• Total drivers
• Rate of car accidents
• Availability of off-street parking
• Crime

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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 Deland?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for 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 number of the car insurance companies offering coverage in Deland in no time.

Deland Insurance FAQs

What factors affect car insurance quotes in Deland?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Deland different from other neighboring cities?

Crime rates, local laws, 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 Deland?

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 Deland?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 Deland 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.