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How much is car insurance in Opa Locka?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Opa Locka are about $67 a month more expensive than the rest of Florida.
Drivers relocating the Opa Locka should take note of the differences in average rates. It's around $109 more expensive for coverage in Opa Locka than the average rates seen in the rest of the U.S.
While these are the average costs to insure your vehicle in Opa Locka, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Opa Locka and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot 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, however, your rates may begin to go back up in Opa Locka.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Opa Locka, however, men actually pay a bit less than female drivers for auto insurance.
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 Opa Locka, having a single accident on your record will usually get you rates around $243 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $377.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$128|
|15 Years or Older||$154|
As you can see in the first table above, the cheapest vehicles to insure in Opa Locka are typically trucks and vans, which run about $143 per month.
Car owners can expect to pay an average of around $202 a month for their policy, while SUVs usually cost around $163 a month to insure.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Opa Locka are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$198|
More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Opa Locka follows that pattern, with the difference totaling to around $31 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$261|
Another factor that comes into play is your housing situation. In Opa Locka, homeowners can expect to pay around $46 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 overall costs.
Car Insurance Companies in Opa Locka, FL
Recent trends in car insurance for Opa Locka 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 choosing your car insurance policy.
In Opa Locka, auto insurance rates declined from 2017-2020, when they reached a low of $126. This trend shifted in 2021, when they began to increase, and have continued to do so through 2022, when policy premiums hit a high of $303 a month.
How does Opa Locka compare to neighboring areas?
Why are car insurance rates in Opa Locka different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Local crime rates
- Amount of off-street parking
- Community laws
- Amount of drivers
- Road Safety (frequency of car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 Opa Locka?
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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Opa Locka.
Opa Locka Insurance FAQs
What factors affect car insurance quotes in Opa Locka?
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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Opa Locka different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Opa Locka?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Opa Locka?
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 Opa Locka 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.