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How much is car insurance in Longwood?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $8 a month cheaper to insure your vehicle in Longwood than it is in the rest of Florida.
Compared to the national average cost of auto coverage, Longwood has higher rates. Coverage in Longwood is about $35 more expensive than it is for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Longwood, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. 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.
We've done the heavy lifting for you and broken down the average rate for Longwood so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Longwood Car Insurance Rates by Age
|Age Range||Average Premium|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up in Longwood.
Longwood Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance coverage, this is not the case in Longwood, where female drivers pay around $129 per month while male drivers pay about $104.
Longwood Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Longwood, a driving record with one accident will usually get you a rate around $111 a month. In addition, drivers with one ticket can expect to pay around $132 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Longwood Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$102|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Longwood, with drivers paying around $69 per month to insure their vehicle.
SUV drivers will see rates of about $114, while the rates for car owners average out to about $121 a month.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Longwood, the most expensive vehicles to insure are vehicles six-to-seven years old.
Longwood Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Generally, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Longwood is no exception, with the difference totaling to around $27 a month.
Longwood Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$143|
One other element taken into consideration is your housing situation. Renters can expect to pay around $17 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 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 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.
Car insurance rates in Longwood declined 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?
When considering how much to charge for coverage, car insurance companies will review a number of factors. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Frequency of car accidents
- Area regulations
- Total drivers
- Off-street parking availability
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 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?
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.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies providing policies in Longwood.
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Longwood Auto Insurance FAQs
What factors affect car insurance quotes in Longwood?
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 Longwood different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. 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 Longwood or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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