Lutz, FL Car Insurance

The average cost for car insurance in Lutz is about $145 a month. To learn more about policy rates and coverage in the Lutz area, continue reading our guide below.
How does Lutz stack up to the rest of the area, or even Florida as a whole? What rates should residents of Lutz expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Lutz?

Area Average Monthly Car Insurance Premium
Lutz$145
FL$122
United States$80

Car insurance policies across the rest of Florida are about $23 a month cheaper than the rates drivers pay in Lutz.

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 $65 more for coverage in Lutz than in the rest of the U.S.

While these are the average car insurance rates for Lutz, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$187
25-34$146
35-44$128
45-54$138
55-64$104
65+$98

The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Lutz.

Average Car Insurance Rates by Gender

Gender Average
Male$145
Female$145

Car insurance rates for female drivers are usually cheaper than those for male drivers. Male and female drivers in Lutz, however, both pay the same monthly amount for car insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$157
Multiple Accidents$220
1 Ticket$211
Multiple TicketsNot Enough Data

Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay a lot less than those with infractions. The rate for drivers in Lutz with a single accident on their record is about $157 a month. Similarly, drivers with one ticket will typically pay around $211 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$99
2-3 Years$134
4-5 Years$112
6-7 Years$122
8-10 Years$178
11-14 Years$142
15 Years or Older$145

According to the first table above, the cheapest vehicles to insure in Lutz are typically trucks and vans, at $139 per month.

Car owners will see a monthly premium of about $144, while SUV owners usually pay around $151 a month.

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 close to 5 years old, you might start to see your rates slide back down slightly. 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)$150
Married$138
Divorced$131
Widowed$95

More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Lutz is no exception, with the difference totaling to around $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$121
Rent$161
Live with parents$128

Your housing situation is another component of how insurance companies calculate your monthly rate. Homeowners in Lutz can expect to pay around $40 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies 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

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

The rates for auto insurance in Lutz had been increasing from 2016-2017, when they reached a high of $193, but began to decrease from 2018-2019. They finished down in 2021, at $133 per month.

How does Lutz compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Crime levels
  • Regional laws
  • Off-street parking accessibility
  • Total number of drivers in the community
  • Number of car accidents

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. 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?

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. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering plans in Lutz.

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Lutz 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 age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, 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?

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, 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 Lutz 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.

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