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How much is car insurance in Delray Beach?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Delray Beach are about $36 a month more expensive than the rest of Florida.
Likewise, drivers in Delray Beach may pay higher rates than the rest of the country. It's about $79 more expensive than the national average to insure your vehicle in Delray Beach.
While these numbers are the average rates for auto insurance in Delray Beach, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't sweat it however, we've broken down the average rate for Delray Beach residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Delray Beach Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $95 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to increase again in Delray Beach.
Delray Beach Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a bit less than female drivers on their monthly auto insurance coverage, the difference in Delray Beach is only about $2 per month.
Delray Beach Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Delray Beach with a single accident will pay around $203 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $200.
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.
Delray Beach Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$130|
|15 Years or Older||$156|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Delray Beach, with drivers paying around $141 per month for insurance.
Car owners, on the other hand, typically pay around $167 a month, while truck and van drivers can expect to pay about $151 per month for car insurance.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Delray Beach, vehicles eleven-to-fourteen years old are the most expensive to insure.
Delray Beach Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$161|
Overall, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Delray Beach is no exception, with the difference totaling to around $12 a month.
Delray Beach Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$203|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $61 a month more than drivers who own property 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 average premiums.
Car Insurance Companies in Delray Beach, FL
Recent trends in car insurance for Delray Beach drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The rates for car insurance in Delray Beach dropped from 2017-2019, when they hit a low of $144. This leveled out in 2020, when they began to rise again. Policy premiums finished down in 2022, at $152 a month
How does Delray Beach compare to neighboring areas?
Why are car insurance rates in Delray Beach different from other areas?
Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Area crime rates
- General road safety (how many accidents each locality has)
- Total amount of drivers in the community
- Local laws
- Availability of off-street parking
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. Knowing 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 Delray Beach?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just 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.
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Delray Beach Auto Insurance FAQs
What factors affect car insurance quotes in Delray Beach?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, 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?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Delray Beach?
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 Delray Beach?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Delray Beach or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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