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How much is car insurance in Delray Beach?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $36 a month more expensive to insure your vehicle in Delray Beach than it is in the rest of Florida.
Compared to the national average cost of auto coverage, Delray Beach has higher rates. It's about $78 more for coverage in Delray Beach than in the rest of the U.S.
Although these are the average rates for auto insurance in Delray Beach, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The monthly premium 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.
We've done the heavy lifting for you and broken down the average rate for Delray Beach so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates begin to increase again in Delray Beach.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The price for car insurance in Delray Beach, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Delray Beach, a driving record with one accident will usually get you a rate around $204 a month. In addition, drivers with a single ticket on their record can expect to pay around $158 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||$121|
|15 Years or Older||$154|
In terms of affordable coverage, the cheapest vehicles to insure in Delray Beach are by and large SUVs, at $143 per month.
Car owners, on the other hand, usually pay around $163 per month, while truck and van drivers can expect to pay about $159 a month for auto insurance coverage.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Delray Beach, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$157|
Generally speaking, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Delray Beach reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$203|
One other element taken into consideration is your housing status. If you rent your home or apartment in Delray Beach, expect to pay around $69 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Delray Beach, FL
Recent trends in car insurance for Delray Beach drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Car insurance rates in Delray Beach have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $181 in 2021.
How does Delray Beach compare to neighboring areas?
Why are car insurance rates in Delray Beach different from other areas?
Car insurance companies take in several factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Local crime rates
- Regional laws
- Road Safety (frequency of local car accidents)
- Off-street parking access
- Total 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 Delray Beach?
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.
Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Delray Beach in no time.
Delray Beach Insurance FAQs
What factors affect car insurance quotes in Delray 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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Delray Beach different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Delray Beach?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Delray 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. 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 Delray Beach 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?