Deltona, FL Car Insurance

Drivers in Deltona pay, on average, $99 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of Deltona expect to pay for their car insurance? Are rates in Deltona higher or lower than those in neighboring areas? How do they compare to the rest of Florida? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Deltona?

Area Average Monthly Car Insurance Premium
Deltona$99
FL$123
United States$81

Looking at the chart above, you can see it's around $24 a month cheaper to insure your vehicle in Deltona than it is in the rest of Florida.

On the flip side, Deltona residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $18 more expensive than the national average to insure your vehicle in Deltona.

Keep in mind that while these are the average car insurance rates for Deltona, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've broken down the average rates for Deltona to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$143
25-34$104
35-44$80
45-54$89
55-64$78
65+$79

The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may climb back up a bit in Deltona.

Average Car Insurance Rates by Gender

Gender Average
Male$95
Female$104

Although women typically pay less than men do for auto insurance, this is not the case in Deltona, where female drivers pay around $9 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$132
Multiple Accidents$118
1 Ticket$149
Multiple Tickets$153

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Deltona with a single accident will pay around $132 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $149.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$111
2-3 Years$85
4-5 Years$97
6-7 Years$98
8-10 Years$96
11-14 Years$96
15 Years or Older$105

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Deltona, with drivers paying around $86 per month for insurance.

Cars and SUVs, however, usually cost about $101 for insurance coverage.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Deltona, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$103
Married$98
Divorced$84
Widowed$79

Generally, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Deltona is about $5 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$103
Live with parents$124

Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $20 a month more than if you own your own home in Deltona. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

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 choosing when and where to shop.

The rates for car insurance in Deltona dropped from 2017-2019, but began to increase in 2020. This trend has continued through 2022 when rates have most recently reached $110 per month.

How does Deltona compare to neighboring areas?

Why are car insurance rates in Deltona different from other areas?

There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. 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:

  • Amount of off-street parking
  • Total number of drivers in the community
  • Frequency of car accidents
  • Local laws
  • Local crime rates

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 get started.

How can I find the cheapest car insurance in Deltona?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Good news! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Deltona in no time.

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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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Deltona different from other neighboring cities?

Crime rates, local laws, 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 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 Deltona?

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. 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?

Find your best rate in just a few minutes