Table of contents
How much is car insurance in Lehigh Acres?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $16 a month more expensive to insure your vehicle in Lehigh Acres than it is in the rest of Florida.
Similarly, residents of Lehigh Acres might expect to pay higher rates for coverage than the rest of the country. It's about $58 more for coverage in Lehigh Acres than in the rest of the U.S.
While these numbers are the average rates for auto insurance in Lehigh Acres, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Lehigh Acres 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're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $108 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Lehigh Acres.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Lehigh Acres, where women pay around $22 less a month. As you can see in the table above, male drivers in the area typically pay $147 on average, while female drivers typically pay $125 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Lehigh Acres with a single accident will pay around $160 a month. In addition, drivers with a single ticket on their record can expect to pay around $141 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$103|
|15 Years or Older||$102|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Lehigh Acres, with drivers paying around $91 per month for auto insurance.
Car owners can expect to pay an average of around $156 a month for their policy, while SUVs usually cost around $110 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. 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)||$150|
On average, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Lehigh Acres is no exception, with the difference totaling to around $36 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$148|
One other element taken into consideration is your housing situation. Renters can expect to pay around $8 a month less than homeowners in Lehigh Acres. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Lehigh Acres, FL
Recent trends in car insurance for Lehigh Acres 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 Lehigh Acres, the rates for car insurance had been increasing from 2016-2017, but began to decrease from 2018-2019, when they reached a low of $108. Insurance rates finished down in 2021, at $132 per month.
How does Lehigh Acres compare to neighboring areas?
Why are car insurance rates in Lehigh Acres different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Off-street parking availability
- Road Safety (frequency of local car accidents)
- Number of drivers in the region
- Crime rates
- Community laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Lehigh Acres?
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.
Fortunately, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Lehigh Acres in no time.
Lehigh Acres 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 age and gender, but also factors like your driving record, credit score, address and 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?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 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.