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How much is car insurance in Holiday?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Holiday are about $8 a month more expensive than the rest of Florida.
Likewise, Holiday residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $51 more for your policy in Holiday.
These may be the average auto insurance rates for Holiday, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Holiday to help you understand what exactly you might be asked to 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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Holiday Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates creep back up a bit in Holiday.
Holiday Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Holiday, however, male and female drivers both pay about the same rate for auto insurance coverage.
Holiday Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Holiday with one accident will pay around $174 a month. In addition, drivers with one ticket can expect to pay around $161 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Holiday Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$124|
According to the first table above, the cheapest vehicles to insure in Holiday are by and large trucks and vans, at $110 per month.
Car owners will see a monthly rate of about $137, while SUV owners typically pay around $138 per month.
In addition to vehicle type, 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. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Holiday are vehicles six-to-seven years old.
Holiday Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$135|
Generally, 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.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Holiday.
Holiday Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Holiday, expect to pay around $38 a month more than if you own property. 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 Holiday, FL
Recent trends in car insurance for Holiday drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of car insurance coverage in Holiday declined from 2017-2020, before steadying out in 2021. Rates finished down in 2022, at $113 a month
How does Holiday compare to neighboring areas?
Why are car insurance rates in Holiday different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Prevalence of crime
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Regional laws
- Number of drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Holiday?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Holiday.
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Holiday Auto Insurance FAQs
What factors affect car insurance quotes in Holiday?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Holiday 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Holiday?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Holiday?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Holiday or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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