Holiday, FL Car Insurance

Residents of Holiday pay around $131 monthly for their car insurance coverage. To learn more about policy rates and coverage in the Holiday area, continue reading our guide below.
Compared to their surrounding area, how do rates in Holiday stack up? What about against the rest of Florida? What should residents of Holiday expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Holiday?

Area Average Monthly Car Insurance Premium
Holiday$131
FL$123
United States$81

Auto insurance policies in Holiday are about $8 a month more expensive than the rest of Florida.

If you're considering relocating to Holiday from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $50 more for your policy in Holiday.

While these are the average car insurance rates for Holiday, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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 your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Holiday so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP Code 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$219
25-34$158
35-44$106
45-54Not Enough Data
55-64$101
65+$102

More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times the price that 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 climb back up a bit in Holiday.

Average Car Insurance Rates by Gender

Gender Average
Male$132
Female$130

Car insurance rates for men are usually slightly more expensive than they are for women. In Holiday, however, the difference in the monthly cost of coverage is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$173
Multiple Accidents$258
1 Ticket$161
Multiple Tickets$152

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Holiday with a single accident on their record will usually see rates around $173 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $161.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$103
2-3 Years$127
4-5 Years$101
6-7 Years$180
8-10 Years$145
11-14 Years$137
15 Years or Older$124

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Holiday, with drivers paying around $108 per month for auto insurance coverage.

SUV drivers will see rates of about $139, while the rates for car owners average out to about $137 per month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 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.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$135
Married$132
Divorced$106
Widowed$102

Generally, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Despite the national trend of married drivers saving more than single drivers, the rates for both in Holiday are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$104
Rent$144
Live with parents$135

Another factor that comes into play is your housing situation. Those who own their own home in Holiday can expect to pay around $40 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Holiday, FL

Recent trends in car insurance for Holiday 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.

In Holiday, the rates for auto insurance declined from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $87 a month

How does Holiday compare to neighboring areas?

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

Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Total number of drivers in the region
  • Off-street parking accessibility
  • Local laws
  • Prevalence of crime
  • General road safety (how many accidents each locality has)

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. 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 Holiday?

Arming 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.

Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Holiday.

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Holiday 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 you can't control 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?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Holiday?

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 Holiday?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 Holiday 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.

Find your best rate in just a few minutes