Table of contents
How much is car insurance in Middleburg?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Middleburg is about $8 a month cheaper than it is for the rest of Florida.
On the flip side, residents of Middleburg might expect to pay higher rates for coverage than the rest of the country. It's around $34 more expensive to insure your vehicle in Middleburg compared to the average rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Middleburg, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium 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. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb back up a bit in Middleburg.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Middleburg, however, men actually pay slightly less than female drivers to insure their vehicle.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Middleburg, a driving record with a single accident will usually get you a rate around $128 a month. Likewise, drivers with one ticket will be looking at a rate of around $131 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$72|
|15 Years or Older||$110|
The most affordable vehicles to insure in Middleburg are usually SUVs, which run about $96 per month.
Truck and van drivers will see rates of about $113, while the rates for car owners average out to about $122 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Middleburg, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$121|
On average, married policyholders will pay slightly less for car insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
In Middleburg, the difference in rates based on relationship status can be as much as $27 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$152|
Another factor that comes into play is your housing situation. Renters can expect to pay around $2 a month less than drivers who own property in Middleburg. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Middleburg, FL
Recent trends in car insurance for Middleburg drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Middleburg, car insurance rates rose from 2016-2018, before taking a downward turn from 2019-2020. They finished up in 2021, at $91 per month.
How does Middleburg compare to neighboring areas?
Why are car insurance rates in Middleburg different from other areas?
Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Local crime rates
- Off-street parking access
- General road safety (how many accidents each locality has)
- Total number of drivers in the region
- Community regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Middleburg?
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 will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Middleburg.
Middleburg Insurance FAQs
What factors affect car insurance quotes in Middleburg?
Car insurance companies calculate quotes based on a wide array of factors. These 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 Middleburg different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- 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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Middleburg 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.