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How much is car insurance in Deltona?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Deltona is about $23 cheaper than it is in the rest of Florida.
That being said Deltona residents should prepare to pay higher rates for coverage than the rest of the country. It's about $20 more for coverage in Deltona than in the rest of the U.S.
While these are the average car insurance rates for Deltona, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rates for Deltona 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 below to learn more about rates in your area!
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Deltona Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $55 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement your rates may rise again in Deltona.
Deltona Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Deltona, where female drivers pay around $105 per month while male drivers pay about $96.
Deltona Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Deltona with a single accident will pay around $133 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $140.
Deltona Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$104|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Deltona, with drivers paying around $85 per month for insurance coverage.
Car owners, on the other hand, typically pay around $102 a month, while SUV drivers can expect to pay about $101 per month for auto insurance coverage.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Deltona, the most expensive vehicles to insure are vehicles less than one year old.
Deltona Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$104|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Deltona is no exception, with the difference totaling to around $6 a month.
Deltona Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$124|
Another factor that comes into play is your housing status. Homeowners in Deltona can expect to pay around $16 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Deltona, FL
Recent trends in car insurance for Deltona drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Deltona, the rates for car insurance decreased from 2017-2019, but began to increase in 2020. This trend has continued through 2022 when rates have most recently reached $113.
How does Deltona compare to neighboring areas?
Why are car insurance rates in Deltona different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Availability of off-street parking
- Amount of drivers in the area
- Area regulations
- General road safety (how many accidents each locality has)
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. 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 Deltona?
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.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Deltona.
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Deltona Auto Insurance FAQs
What factors affect car insurance quotes in Deltona?
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 age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Deltona different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Deltona?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Deltona?
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, 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 Deltona 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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