Oviedo, FL Car Insurance

Drivers in Oviedo pay around $109 a month for their car insurance. To learn more about what you're likely to pay in the Oviedo area, read our guide below.
What can Oviedo residents expect to pay for their car insurance? How does Oviedo compare to the surrounding area and the rest of Florida? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Oviedo?

Area Average Monthly Car Insurance Premium
Oviedo$109
FL$122
United States$80

According to the chart above, the average cost of auto insurance in Florida is about $13 a month more expensive than it is in Oviedo.

On the flip side, the expected monthly payments for an auto insurance policy in Oviedo are above the national average. It's about $29 more expensive for coverage in Oviedo than the average rates for the U.S. as a whole.

Bear in mind that while these are the average car insurance rates for Oviedo, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Oviedo so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$155
25-34$91
35-44$95
45-54$92
55-64$84
65+$79

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 auto insurance premiums. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Oviedo drivers may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$110

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Oviedo, although men do pay a bit less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$116
1 Ticket$114
Multiple Tickets$150

One of the key 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, a driving record with one accident will usually get you a rate around $142 a month. Likewise, drivers with one ticket will be looking at a rate of around $114 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$89
4-5 Years$109
6-7 Years$111
8-10 Years$107
11-14 Years$103
15 Years or Older$120

In Oviedo, the cheapest vehicles to insure are usually SUVs, with drivers paying around $103 per month for insurance coverage.

Truck and van drivers will see rates of about $109 to insure their vehicle, while car owners typically pay around $111 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Oviedo, the most expensive vehicles to insure are vehicles fifteen years and older and six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$112
Married$96
Divorced$133
Widowed$76

More often than not, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Oviedo is about $16 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$117
Live with parents$136

Your housing situation is another factor that affects your monthly rate. Those who own their own home in Oviedo can expect to pay around $37 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Oviedo, FL

Recent trends in car insurance for Oviedo drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The rates for car insurance in Oviedo rose from 2016-2017, before leveling out in 2018. They finished up in 2021, at $97 per month

How does Oviedo compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Area crime rates
  • Amount of drivers in the community
  • Frequency of car accidents
  • Amount of off-street parking
  • Community regulations

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Oviedo?

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.

Fortunately, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Oviedo.

Compare the cheapest quotes from dozens of insurance companies

Oviedo Insurance FAQs

What factors affect car insurance quotes in Oviedo?

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 make and model, year, driving record, credit score, as well as your marital status and address.

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

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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?

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. 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?

Find your best rate in just a few minutes