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How much is car insurance in Deland?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Deland | $102 |
| FL | $122 |
| United States | $80 |
The cost of coverage in Deland is about $20 a month cheaper than it is for the rest of Florida.
On the flip side, residents of Deland might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $22 more for your policy in Deland.
Keep in mind that these are the average auto insurance rates for Deland, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Deland residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, 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 |
| 18-24 | $158 |
| 25-34 | $99 |
| 35-44 | $87 |
| 45-54 | $89 |
| 55-64 | $84 |
| 65+ | $80 |
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates rise again in Deland.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $103 |
| Female | $100 |
On average, female drivers pay slightly less for car insurance than their male counterparts. In Deland, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $134 |
| Multiple Accidents | $297 |
| 1 Ticket | $108 |
| Multiple Tickets | $311 |
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Deland, having a single accident on your record will usually get you rates around $134 a month. In addition, drivers with one ticket can expect to pay around $108 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $96 |
| 2-3 Years | $161 |
| 4-5 Years | $79 |
| 6-7 Years | $97 |
| 8-10 Years | $98 |
| 11-14 Years | $104 |
| 15 Years or Older | $100 |
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Deland, with drivers paying around $88 per month for insurance.
SUV drivers will see rates of about $95 for auto insurance coverage, while car owners usually pay around $106 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Deland, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $109 |
| Married | $87 |
| Divorced | $75 |
| Widowed | $60 |
More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Deland is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $81 |
| Rent | $99 |
| Live with parents | $132 |
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Deland, expect to pay around $18 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
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 choosing your car insurance policy.
The cost of auto insurance coverage in Deland have been mixed as of late, it increased in 2016, dropped in 2018, and rose again in 2020, before finishing at $123 in 2021.
How does Deland compare to neighboring areas?
Why are car insurance rates in Deland different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (frequency of car accidents)
- Laws
- Amount of drivers in the community
- Off-street parking access
- Rate of crime
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. 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?
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.
But hold on! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer auto 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 age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Deland different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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?
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Deland or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?