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How much is car insurance in Deland?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $21 a month cheaper to insure your vehicle in Deland than it is in the rest of Florida.
Compared to the national average cost of auto coverage, Deland has higher rates. The average monthly payment in Deland is about $22 more expensive than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Deland, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. 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 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. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Deland Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may rise again in Deland.
Deland Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Deland is around $12 a month. Looking at the table above, you can see that female drivers pay around $97 on average, while male drivers typically pay $109 each month.
Deland Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Deland with a single accident will pay around $123 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $108.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Deland Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$103|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Deland, with drivers paying around $92 per month for auto insurance coverage.
Car owners, on the other hand, usually pay around $108 per month, while truck and van drivers can expect to pay about $103 a month for car insurance.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Deland are vehicles two-to -three years old.
Deland Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Overall, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Deland is no exception, with the difference totaling to around $23 a month.
Deland Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment in Deland, expect to pay around $18 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Deland, FL
Recent trends in car insurance for Deland drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of insurance in Deland dropped from 2017-2019, before leveling out in 2020. Policy premiums finished up in 2022, at $144 per month
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 they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Community regulations
- Rate of crime
- Number of drivers in the area
- Access to off-street parking
- Road Safety (frequency of local car accidents)
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Deland?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Deland.
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Deland Auto Insurance FAQs
What factors affect car insurance quotes in Deland?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Deland different from other neighboring cities?
Things like crime rates, parking situations, and local laws, 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 Deland?
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 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?
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?
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