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How much is car insurance in Ormond Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $33 a month cheaper to insure your vehicle in Ormond Beach than it is in the rest of Florida.
Conversely, Ormond Beach residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $10 more expensive to insure your vehicle in Ormond Beach compared to 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. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Ormond Beach so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Ormond Beach Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $57 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may creep back up a bit in Ormond Beach.
Ormond Beach Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Ormond Beach, this difference shakes out to about $4 a month. As illustrated in the table above, female drivers in the area pay about $88 on average, while male drivers pay around $92 each month.
Ormond Beach Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in Ormond Beach with one accident will pay around $109 a month. In addition, drivers with one ticket can expect to pay around $105 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Ormond Beach Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$105|
|15 Years or Older||$92|
The most affordable vehicles to insure in Ormond Beach are usually SUVs, which run about $84 per month.
Truck and van drivers will see rates of about $123 to insure their car, while SUV owners typically pay around $84 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Ormond Beach, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Ormond Beach Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
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 $5 a month.
Ormond Beach Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $8 a month less than homeowners in Ormond Beach. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Ormond Beach, FL
Recent trends in car insurance for Ormond Beach 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 selecting an auto insurance policy.
Car insurance rates in Ormond Beach had been decreasing from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $56.
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 several factors when figuring out how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Community regulations
- Off-street parking availability
- Amount of drivers
- Road Safety (how many accidents each locality has)
- Rate of crime
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. 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 Ormond Beach?
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 wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Ormond Beach.
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Ormond Beach Auto Insurance FAQs
What factors affect car insurance quotes in Ormond Beach?
Car insurance companies calculate quotes based on a wide array of factors. These include things 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 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 local laws, crime rates, and parking situations -- 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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Ormond Beach?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ormond Beach or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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