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How much is car insurance in Longwood?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Longwood are about $7 a month cheaper than in the rest of Florida.
Conversely, drivers in Longwood may pay higher rates than the rest of the country. The cost of insuring a vehicle in Longwood is about $35 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these rates are the average costs for Longwood drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Longwood to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Longwood.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Longwood, where female drivers pay around $129 per month while male drivers pay about $106.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Longwood with a single accident on their record will usually see rates around $116 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $132.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$58|
|15 Years or Older||$104|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Longwood, with drivers paying around $70 per month for insurance coverage.
Car owners can expect to pay an average of around $122 a month for their policy, while SUVs usually cost around $116 a month to insure.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Longwood, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
On average, people who are married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
The difference in rates based on relationship status in Longwood is about $29 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
Another factor taken into consideration is your living situation. Renters can expect to pay around $18 a month less than drivers who own property in Longwood. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.
Car Insurance Companies in Longwood, FL
Recent trends in car insurance for Longwood drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
The rates for auto insurance in Longwood dropped from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $82.
How does Longwood compare to neighboring areas?
Why are car insurance rates in Longwood 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. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- General road safety (how many accidents each locality has)
- Off-street parking availability
- Amount of drivers in the community
- Crime rates
- Community regulations
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Longwood?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer plans in Longwood.
Longwood Insurance FAQs
What factors affect car insurance quotes in Longwood?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Longwood different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Longwood?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Longwood?
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 Longwood 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?