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How much is car insurance in Land O Lakes?
|Area||Average Monthly Car Insurance Premium|
|Land O Lakes||$120|
Looking at the chart above, you can see that the average monthly price in Land O Lakes is in line with pricing for the rest of Florida.
That being said Land O Lakes residents should prepare to pay higher rates for coverage than the rest of the country. It's about $40 more expensive for coverage in Land O Lakes than the average rates for the U.S. as a whole.
Although these are the average car insurance rates in Land O Lakes, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down average rates for Land O Lakes residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Land O Lakes 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 more experience you have as a driver. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Land O Lakes may see their rates climb back up once they hit retirement.
Land O Lakes Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Land O Lakes, male drivers pay about $15 more a month. As illustrated in the table above, male drivers in the area pay about $128 on average, while female drivers pay around $113 each month.
Land O Lakes Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Land O Lakes with a single accident on their record will usually see rates around $141 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $190 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Land O Lakes Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$206|
|15 Years or Older||$102|
According to the first table above, the cheapest vehicles to insure in Land O Lakes are usually trucks and vans, at $106 per month.
SUV drivers will see rates of about $116 to insure their vehicle, while car owners by and large pay around $128 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Land O Lakes, vehicles less than one year old are the most expensive to insure.
Land O Lakes Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$129|
Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Land O Lakes follows that pattern, with the difference totaling to around $26 a month.
Land O Lakes Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$211|
Another factor taken into consideration is your living situation. In Land O Lakes, homeowners can expect to pay around $24 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Land O Lakes, FL
Recent trends in car insurance for Land O Lakes drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
In Land O Lakes, the rates for auto insurance dropped from 2017-2019, when they reached a low of $105, but began to increase from 2020-2021. They finished down in 2022, at $96.
How does Land O Lakes compare to neighboring areas?
Why are car insurance rates in Land O Lakes different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Regional laws
- Prevalence of crime
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Number of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Land O Lakes?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Land O Lakes.
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Land O Lakes Auto Insurance FAQs
What factors affect car insurance quotes in Land O Lakes?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Land O Lakes different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Land O Lakes?
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 Land O Lakes?
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. 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 Land O Lakes 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?
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