Oviedo, FL Car Insurance

On average, drivers in Oviedo pay around $107 per month for their car insurance. For more information refer to our guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in Oviedo stack up? What about against the rest of Florida? What can Oviedo residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Oviedo?

Area Average Monthly Car Insurance Premium
Oviedo$107
FL$123
United States$81

Car insurance coverage in Oviedo is about $16 cheaper than it is in the rest of Florida.

Compared to the national average cost of auto coverage, Oviedo has higher rates. It's about $26 more for coverage in Oviedo than in the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Oviedo, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But don't worry, we've broken down the average rate for Oviedo residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$152
25-34$94
35-44$90
45-54Not Enough Data
55-64$82
65+$79

It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay significantly 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 age, your rates may begin to increase again in Oviedo.

Average Car Insurance Rates by Gender

Gender Average
Male$106
Female$108

On average, female drivers pay slightly less than male drivers for car insurance. While this isn't true in Oviedo, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$95
1 Ticket$175
Multiple Tickets$134

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 Oviedo, having a single accident on your record will usually get you rates around $142 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $175.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$90
4-5 Years$98
6-7 Years$106
8-10 Years$105
11-14 Years$105
15 Years or Older$118

As you can see in the first table above, the cheapest vehicles to insure in Oviedo are usually SUVs, which run about $96 per month.

SUV owners can expect to pay an average of around $96 a month for their policy, while truck and van drivers are usually around $125 to insure each month.

You can also expect to see slightly different rates depending on your vehicle's age. 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 decrease. The most expensive vehicles to insure in Oviedo are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$110
Married$94
Divorced$128
Widowed$76

More often than not, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

In Oviedo, the difference in rates based on relationship status can be as much as $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$79
Rent$112
Live with parents$134

Another factor that comes into play is your living situation. Renters can expect to pay around $33 a month more than those who own their own home in Oviedo. But those who live at home with their parents can expect to pay significantly more.

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 overall costs.

Car Insurance Companies in Oviedo, FL

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Oviedo, car insurance rates declined from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $35 per month

How does Oviedo compare to neighboring areas?

Why are car insurance rates in Oviedo different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider many factors. Many factors affecting your policy are based around where you live. These factors include things like:

  • Rate of car accidents
  • Total number of drivers
  • Crime rates
  • Amount of off-street parking
  • Community laws

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. 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 Oviedo?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Oviedo.


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Oviedo Insurance FAQs

What factors affect car insurance quotes in Oviedo?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.

Why is the cost of car insurance in Oviedo different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Oviedo?

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 Oviedo?

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Oviedo or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

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