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How much is car insurance in Ormond Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Ormond Beach are about $32 a month cheaper than in the rest of Florida.
On the flip side, the expected monthly payments for an auto insurance policy in Ormond Beach are above the national average. The cost of insuring a vehicle in Ormond Beach is about $10 more expensive than the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Ormond Beach, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But don't worry, we've broken down the average rate for Ormond Beach residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to increase again in Ormond Beach.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in Ormond Beach totals about $5 per month. Looking at the table above, you can see that female drivers pay around $88 on average, while male drivers typically pay $93 each month.
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 can expect to pay less than those with infractions. In Ormond Beach, drivers with one accident on their record will experience rates around $109 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $105.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$105|
|15 Years or Older||$93|
If you look at the first table above, the cheapest vehicles to insure in Ormond Beach are typically SUVs, at $85 per month.
SUV owners can expect to pay an average of around $85 a month for their policy, while truck and van drivers are usually around $125 to insure each month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Ormond Beach, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Ormond Beach is no exception, with the difference totaling to around $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 less than homeowners in Ormond Beach. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Ormond Beach, FL
Recent trends in car insurance for Ormond Beach 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 Ormond Beach, car insurance rates dropped from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $52.
How does Ormond Beach compare to neighboring areas?
Why are car insurance rates in Ormond Beach different from other areas?
Car insurance companies will take into account many factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area crime rates
- Total amount of drivers in the community
- Rate of car accidents
- Off-street parking access
- Local laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Ormond Beach?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Ormond Beach.
Ormond Beach Insurance FAQs
What factors affect car insurance quotes in Ormond Beach?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Ormond Beach different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Ormond Beach?
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 Ormond Beach?
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 Ormond Beach or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?