Table of contents
How much is car insurance in Leesburg?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Leesburg | $117 |
| FL | $123 |
| United States | $81 |
Based on the above chart, auto insurance policies in Leesburg are about $6 a month cheaper than in the rest of Florida.
On the flip side, Leesburg residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Leesburg is about $36 more expensive than the national average.
Although these are the average car insurance rates in Leesburg, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Leesburg residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $186 |
| 25-34 | $90 |
| 35-44 | $101 |
| 45-54 | Not Enough Data |
| 55-64 | $69 |
| 65+ | $58 |
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $128 more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates begin to go back up in Leesburg.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $80 |
| Female | $139 |
Although female drivers pay, on average, less than male drivers for car insurance coverage, Leesburg actually goes against the grain. While female drivers pay $139 per month to insure their car, males only pay about $80.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $81 |
| Multiple Accidents | $219 |
| 1 Ticket | $122 |
| Multiple Tickets | $121 |
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Leesburg with a single accident will pay around $81 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $122.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $47 |
| 2-3 Years | $82 |
| 4-5 Years | $80 |
| 6-7 Years | $76 |
| 8-10 Years | $181 |
| 11-14 Years | $92 |
| 15 Years or Older | $92 |
In terms of affordable coverage, the cheapest vehicles to insure in Leesburg are typically SUVs, at $88 per month.
Truck and van drivers will see rates of about $95 for auto insurance, while car owners usually pay around $132 a month.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is around 5 years old. In Leesburg, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $128 |
| Married | $93 |
| Divorced | $75 |
| Widowed | $83 |
More often than not, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Leesburg can be as much as $35 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $71 |
| Rent | $131 |
| Live with parents | $187 |
One other element taken into consideration is your housing status. If you rent your home or apartment in Leesburg, expect to pay around $60 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 Leesburg, FL
Recent trends in car insurance for Leesburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of insurance in Leesburg dropped from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $64 per month
How does Leesburg compare to neighboring areas?
Why are car insurance rates in Leesburg different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (frequency of car accidents)
- Off-street parking availability
- Total number of drivers in the community
- Regional crime rates
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Leesburg?
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.
Luckily, Compare.com does all of that work for you. Just punch 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 plans in Leesburg.
Leesburg Insurance FAQs
What factors affect car insurance quotes in Leesburg?
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Leesburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, 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 Leesburg?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Leesburg?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Leesburg or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?