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How much is car insurance in Ocoee?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Ocoee will typically run you about $7 a month more than in the rest of Florida.
Likewise, Ocoee residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $49 more expensive for coverage in Ocoee than the average rates seen in the rest of the U.S.
These may be the average auto insurance rates for Ocoee, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto 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 even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Ocoee to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. 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 significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Ocoee.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Ocoee goes against the grain. Female drivers typically pay around $19 more per month for insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Ocoee with a single accident on their record is about $163 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $144.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$195|
|15 Years or Older||$109|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Ocoee, with drivers paying around $126 per month for insurance.
Car owners, on the other hand, by and large pay around $128 a month, while SUV drivers can expect to pay about $140 per month for auto insurance.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Ocoee, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$138|
More often than not, those who have settled down into marriage 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.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Ocoee, with married couples paying about $30 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $13 a month more than drivers who own property in Ocoee. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Ocoee, FL
Recent trends in car insurance for Ocoee drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in Ocoee went up from 2017-2018, but decreased until 2020, when they hit a low of $100. Policy premiums finished down in 2022, at $76 a month.
How does Ocoee compare to neighboring areas?
Why are car insurance rates in Ocoee different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Total number of drivers in the community
- Off-street parking access
- Rate of car accidents
- Rate of crime
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. 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 Ocoee?
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. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Ocoee.
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Ocoee Insurance FAQs
What factors affect car insurance quotes in Ocoee?
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 year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Ocoee 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, parking situations, 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 Ocoee?
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 Ocoee?
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 Ocoee or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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