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How much is car insurance in Lehigh Acres?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Lehigh Acres is about $10 a month more expensive than the rest of Florida.
Likewise, Lehigh Acres residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $53 more expensive than the national average to insure your vehicle in Lehigh Acres.
While these numbers represent the average monthly payments for coverage in Lehigh Acres, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Lehigh Acres to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Lehigh Acres Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates creep back up in Lehigh Acres.
Lehigh Acres Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Lehigh Acres, where women pay around $23 less per month. As you can see in the table above, male drivers in the area typically pay $143 on average, while female drivers typically pay $120 each month.
Lehigh Acres Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge 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. In Lehigh Acres, having a single accident on your record will usually get you rates around $141 a month. Similarly, drivers with one ticket will typically pay around $95 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Lehigh Acres Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$118|
|15 Years or Older||$104|
As you can see in the first table above, the cheapest vehicles to insure in Lehigh Acres are typically trucks and vans, which run about $85 per month.
Car owners can expect to pay an average of around $152 a month for their policy, while SUVs usually cost around $110 a month to insure.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Lehigh Acres, the most expensive vehicles to insure are vehicles four-to-five years old.
Lehigh Acres Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$141|
Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Lehigh Acres as well, where the difference is around $31 a month.
Lehigh Acres Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$211|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 less than homeowners in Lehigh Acres. But if you live with your parents, your rates will be significantly higher.
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 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.
In Lehigh Acres, the rates for auto insurance dropped from 2017-2019, where they hit a low of $108, before steadying out in 2020. Since 2021, insurance rates have once again been decreasing and reached $122 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 will take into account a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Amount of drivers
- Regional regulations
- Rate of crime
- Off-street parking accessibility
- Road safety
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 Lehigh Acres?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Lehigh Acres.
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Lehigh Acres Auto Insurance FAQs
What factors affect car insurance quotes in Lehigh Acres?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
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 parking situations, local laws, and crime rates 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Lehigh Acres?
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?
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 Lehigh Acres 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.
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