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How much is car insurance in Opa Locka?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Florida are about $73 a month cheaper than the rates drivers pay in Opa Locka.
Similarly, the expected monthly payments for an auto insurance policy in Opa Locka are above the national average. The cost of insuring a vehicle in Opa Locka is about $116 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Opa Locka, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Opa Locka residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Opa Locka Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates creep back up a bit in Opa Locka.
Opa Locka Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Opa Locka, where female drivers pay around $9 more a month.
Opa Locka 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 obviously pay less than those with infractions. The rate for drivers in Opa Locka with a single accident on their record is about $243 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $377.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Opa Locka 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 usually trucks and vans, which run about $143 per month.
Car owners, on the other hand, by and large pay around $206 per month, while SUV drivers can expect to pay about $177 a month for auto insurance coverage.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Opa Locka, vehicles eight-to-ten years old are the most expensive to insure.
Opa Locka Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$202|
On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Opa Locka as well, where the difference is around $11 a month.
Opa Locka Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$261|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $51 a month more than drivers who own property in Opa Locka. 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 overall costs.
Car Insurance Companies in Opa Locka, FL
Recent trends in car insurance for Opa Locka drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Opa Locka, auto insurance rates declined from 2017-2020, when they reached a low of $126. This trend leveled out in 2021, when they began to increase, and have continued on that path through 2022, when car insurance rates hit a high of $304 per month.
How does Opa Locka compare to neighboring areas?
Why are car insurance rates in Opa Locka different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Area crime rates
- Total number of drivers in the area
- Road safety
- Regional regulations
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Opa Locka?
Arming 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.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Opa Locka.
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Opa Locka Auto 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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Opa Locka different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Opa Locka?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Opa Locka?
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?
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 Opa Locka 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.
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