Lutz, FL Car Insurance

Lutz drivers pay, on average, around $140 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How do rates in Lutz measure up compared to neighboring areas, including Florida as a whole? How much can residents of Lutz expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lutz?

Area Average Monthly Car Insurance Premium
Lutz$140
FL$123
United States$81

Based on the information in the chart above, you can see that on average, it's about $17 a month more expensive to insure your vehicle in Lutz than it is in the rest of Florida.

If you're considering relocating to Lutz from out of state, you may want to budget a little extra for your insurance. It's about $59 more expensive than the national average to insure your vehicle in Lutz.

Keep in mind that these are the average auto insurance rates for Lutz, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Lutz and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$176
25-34$141
35-44$120
45-54Not Enough Data
55-64$106
65+$118

It makes sense that older drivers would have more experience behind the wheel, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may creep back up a bit in Lutz.

Average Car Insurance Rates by Gender

Gender Average
Male$138
Female$142

Although women typically pay less than men do for auto insurance, this is not the case in Lutz, where female drivers pay around $4 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$150
Multiple Accidents$217
1 Ticket$168
Multiple Tickets$303

Rates can change drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Lutz with a single accident on their record will usually see rates around $150 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $168.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$115
2-3 Years$122
4-5 Years$112
6-7 Years$122
8-10 Years$168
11-14 Years$142
15 Years or Older$136

In Lutz, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $128 per month to insure their vehicle.

Car owners will see a monthly premium of about $143, while SUV owners usually pay around $139 a month.

Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Lutz, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$142
Married$138
Divorced$131
Widowed$95

Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Lutz can be as much as $4 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$120
Rent$148
Live with parents$121

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Lutz, expect to pay around $28 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.

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 Lutz, FL

Recent trends in car insurance for Lutz 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 Lutz, the rates for car insurance have been steadily decreasing, reaching a low of $100 in 2022.

How does Lutz compare to neighboring areas?

Why are car insurance rates in Lutz different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Total amount of drivers in the area
  • Local crime rates
  • Off-street parking accessibility
  • Road Safety (frequency of local car accidents)
  • Laws

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Lutz?

Equipping 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.

Don't worry, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Lutz in no time.

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Lutz Insurance FAQs

What factors affect car insurance quotes in Lutz?

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, 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 Lutz different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Lutz?

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 Lutz?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Lutz or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes