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How much is car insurance in Lutz?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $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 $60 more expensive than the national average to insure your vehicle in Lutz.
Bear in mind that while these are the average car insurance rates for Lutz, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Lutz residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Lutz Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay $68 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may creep back up in Lutz.
Lutz Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Lutz is only about $3 per month.
Lutz Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Lutz, a driving record with a single accident will usually get you a rate around $150 a month. Similarly, drivers with one ticket will typically pay around $168 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Lutz Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$115|
|15 Years or Older||$134|
The most affordable vehicles to insure in Lutz are typically trucks and vans, which run about $128 per month.
Car owners, on the other hand, usually pay around $143 a month, while SUV drivers can expect to pay about $138 per month for insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Lutz, vehicles eight-to-ten years old are the most expensive to insure.
Lutz Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$142|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Lutz can be as much as $4 a month, so it's worth taking into consideration.
Lutz Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Lutz, expect to pay around $27 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Lutz, FL
Recent trends in car insurance for Lutz drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Lutz, the rates for auto insurance have been steadily decreasing, reaching a low of $105 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 a monthly rate, car insurance companies will consider a variety of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of drivers in the community
- Availability of off-street parking
- Number of car accidents
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Lutz?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer policies in Lutz.
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Lutz Auto Insurance FAQs
What factors affect car insurance quotes in Lutz?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Lutz different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lutz or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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