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How much is car insurance in Deltona?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $23 a month cheaper to insure your vehicle in Deltona than it is in the rest of Florida.
That being said the expected monthly payments for an auto insurance policy in Deltona are above the national average. It's around $19 more expensive to insure your vehicle in Deltona compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Deltona, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The bill 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 broken down the average rates for Deltona to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average 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 longer you've been driving. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may creep back up in Deltona.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance coverage, Deltona actually goes against the grain. While female drivers pay $104 a month to insure their vehicle, males only pay about $94.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Deltona with one accident will pay around $125 a month. In addition, drivers with one ticket can expect to pay around $135 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$97|
|15 Years or Older||$105|
The cheapest vehicles to insure in Deltona are typically trucks and vans, with each type typically costing about $83 per month.
Car owners can expect to pay an average of around $100 a month for their policy, while SUVs usually cost around $105 a month to insure.
Your rates can also vary depending on how old your vehicle is. 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 rates begin to drop back down. The most expensive vehicles to insure in Deltona are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$103|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The cost of auto insurance in Deltona reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$133|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $23 a month more than those who own their own home in Deltona. But those who live at home with their parents can expect to pay significantly 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
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 rates for auto insurance in Deltona went up from 2016-2017, before declining from 2018-2019. They finished down in 2021 at $98.
How does Deltona compare to neighboring areas?
Why are car insurance rates in Deltona different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Local laws
- Road Safety (how many accidents each locality has)
- Availability of off-street parking
- Total drivers
- Crime rates
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Deltona?
Equipping 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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Deltona.
Deltona Insurance FAQs
What factors affect car insurance quotes in Deltona?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Deltona 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, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Deltona?
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 by using 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. 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 Deltona 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?