Hudson, FL Car Insurance

The average monthly cost for car insurance in Hudson is about $129. To learn more about what you're likely to pay in the Hudson area, read our guide below.
What rates should residents of Hudson expect to pay for their car insurance? How does Hudson compare to the surrounding area and the rest of Florida? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hudson?

Area Average Monthly Car Insurance Premium
Hudson$129
FL$123
United States$81

Looking at the chart above, you can see that it is around $6 a month more expensive to insure your vehicle in Hudson than it is in the rest of Florida.

Compared to the national average cost of auto coverage, Hudson has higher rates. The cost of insuring a vehicle in Hudson is about $48 more expensive than the average rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Hudson, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.

We've analyzed the average rate for Hudson and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$213
25-34$135
35-44$123
45-54Not Enough Data
55-64$110
65+$93

Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $120 more than drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Hudson.

Average Car Insurance Rates by Gender

Gender Average
Male$130
Female$128

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Hudson, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$137
Multiple Accidents$201
1 Ticket$151
Multiple Tickets$189

Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Hudson with a single accident will pay around $137 a month. In addition, drivers with a single ticket on their record can expect to pay around $151 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$106
4-5 Years$98
6-7 Years$146
8-10 Years$134
11-14 Years$126
15 Years or Older$134

In Hudson, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $124 per month for insurance coverage.

Car owners will see a monthly premium of about $130, while SUV owners usually pay around $136 per month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Hudson, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$137
Married$120
Divorced$88
Widowed$126

More often than not, married policyholders will pay slightly less for auto insurance coverage. 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 Hudson reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$102
Rent$141
Live with parents$198

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Hudson, expect to pay around $39 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Hudson, FL

Recent trends in car insurance for Hudson 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 Hudson, the rates for auto insurance dropped from 2017-2019, when they hit a low of $114. This changed in 2020, when they began to rise again. They finished down in 2022, at $84 a month

How does Hudson compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Road Safety (total number of local car accidents)
  • Area laws
  • Crime
  • Availability of off-street parking
  • Number of drivers in the region

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Hudson?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Hudson.

Compare the cheapest quotes from dozens of insurance companies

Hudson Insurance FAQs

What factors affect car insurance quotes in Hudson?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

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

Things like crime rates, parking situations, and local laws, 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 Hudson?

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 Hudson?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Hudson or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes