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How much is car insurance in Middleburg?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Middleburg is about $12 cheaper than it is in the rest of Florida.
Conversely, the expected monthly payments for an auto insurance policy in Middleburg are above the national average. It's around $31 more expensive for coverage in Middleburg than the average rates seen in the rest of the U.S.
Bear in mind that while these rates are the average costs for Middleburg 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. 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 in some cases, your credit score.
We've analyzed the average rate for Middleburg and broken down the different factors to help you understand what your policy's monthly premium will be. 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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Middleburg Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $83 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Middleburg.
Middleburg Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Middleburg, where women pay around $6 less a month. Based on the chart above, you can see that male drivers pay $114 on average, while female drivers typically pay $108 each month.
Middleburg Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Middleburg with one accident will pay around $127 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $85 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Middleburg Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$105|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Middleburg, with drivers paying around $89 per month for auto insurance.
Car owners will see a monthly rate of about $125, while SUV owners usually pay around $104 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Middleburg, the most expensive vehicles to insure are vehicles two-to -three years old.
Middleburg Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
More often than not, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Middleburg follows that pattern, with the difference totaling to around $25 a month.
Middleburg Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$152|
Another factor taken into consideration is your housing status. Renters can expect to pay around $3 a month less than those who own their own home in Middleburg. 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 Middleburg, FL
Recent trends in car insurance for Middleburg drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Middleburg, the rates for auto insurance went up from 2017-2018, before turning downward from 2019-2020. They finished down in 2022, at $85 a month.
How does Middleburg compare to neighboring areas?
Why are car insurance rates in Middleburg different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Off-street parking accessibility
- Area laws
- Area crime rates
- Total amount of drivers in the area
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Middleburg?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Middleburg.
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Middleburg Auto Insurance FAQs
What factors affect car insurance quotes in Middleburg?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Middleburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, 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 Middleburg?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Middleburg?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Middleburg or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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