Lehigh Acres, FL Car Insurance

Drivers in Lehigh Acres pay around $132 a month for their car insurance. To find out more check out our guide below.
Compared to their surrounding area, how do rates in Lehigh Acres stack up? What about against the rest of Florida? What should residents of Lehigh Acres 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 Lehigh Acres?

Area Average Monthly Car Insurance Premium
Lehigh Acres$132
FL$123
United States$81

Based on the information in the chart above, you can see that on average, it's about $9 a month more expensive to insure your vehicle in Lehigh Acres than it is in the rest of Florida.

Similarly, Lehigh Acres residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $51 more expensive for coverage in Lehigh Acres than the average rates seen in the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Lehigh Acres, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. 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 done the heavy lifting for you and broken down the average rate for Lehigh Acres so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$192
25-34$127
35-44$115
45-54$87
55-64$94
65+$97

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates climb back up a bit in Lehigh Acres.

Average Car Insurance Rates by Gender

Gender Average
Male$139
Female$122

In general, women pay slightly less for car insurance than men. The difference in Lehigh Acres is about $17 a month. Looking at the table above, you can see that female drivers pay around $122 on average, while male drivers typically pay $139 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$143
Multiple Accidents$332
1 Ticket$94
Multiple Tickets$212

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Lehigh Acres with a single accident will pay around $143 a month. In addition, drivers with one ticket can expect to pay around $94 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$118
2-3 Years$152
4-5 Years$215
6-7 Years$107
8-10 Years$135
11-14 Years$139
15 Years or Older$105

The most affordable vehicles to insure in Lehigh Acres are typically trucks and vans, which run about $86 per month.

Car owners will see a monthly premium of about $150, while SUV owners by and large pay around $111 per month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Lehigh Acres, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$139
Married$112
Divorced$92
Widowed$95

More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Lehigh Acres reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $27 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$140
Rent$127
Live with parents$157

Another factor taken into consideration is your living situation. Renters can expect to pay around $13 a month less than those who own their own home in Lehigh Acres. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Lehigh Acres, FL

Recent trends in car insurance for Lehigh Acres 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.

The cost of car insurance coverage in Lehigh Acres decreased from 2017-2019, where it reached a low of $108, before leveling out in 2020. Since 2021, rates have once again been decreasing and hit $78 in 2022.

How does Lehigh Acres compare to neighboring areas?

Why are car insurance rates in Lehigh Acres different from other areas?

Car insurance companies look at several factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Prevalence of crime
  • Amount of drivers in the area
  • Off-street parking access
  • Road Safety (frequency of car accidents)
  • Regional regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Lehigh Acres?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Lehigh Acres.

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Lehigh Acres Insurance FAQs

What factors affect car insurance quotes in Lehigh Acres?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Lehigh Acres 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 Lehigh Acres?

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 Lehigh Acres?

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 Lehigh Acres 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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