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How much is car insurance in Delray Beach?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Delray Beach are about $37 a month more expensive than the rest of Florida.
Similarly, residents of Delray Beach might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Delray Beach is about $79 more expensive than the rate for the rest of the U.S.
Although these are the average monthly costs for an auto insurance policy in Delray Beach, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Delray Beach to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Delray Beach may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Delray Beach, however, men actually pay slightly less than female drivers for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Delray Beach, drivers with one accident on their record will experience rates around $208 a month. In addition, drivers with a single ticket on their record can expect to pay around $200 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$117|
|15 Years or Older||$159|
The cheapest vehicles to insure in Delray Beach are usually SUVs, with each type typically costing about $144 per month.
Car owners, on the other hand, by and large pay around $166 a month, while truck and van drivers can expect to pay about $158 per month to insure their vehicle.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Delray Beach are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$162|
On average, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Delray Beach can be as much as $14 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$203|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $62 a month more than homeowners in Delray Beach. But if you live with your parents, you can expect to pay a lot 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 overall costs.
Car Insurance Companies in Delray Beach, FL
Recent trends in car insurance for Delray Beach drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Delray Beach, the rates for auto insurance had been decreasing from 2017-2019, when they reached a low of $144, but began to increase from 2020-2021. Policy premiums finished down in 2022, at $167.
How does Delray Beach compare to neighboring areas?
Why are car insurance rates in Delray Beach different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Regional laws
- Area crime rates
- Road Safety (frequency of car accidents)
- Number of drivers
- Off-street parking availability
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
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.
Don't worry, Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many 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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Delray Beach different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Delray Beach or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?