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How much is car insurance in Palm Harbor?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Palm Harbor will typically run you about $12 a month more than in the rest of Florida.
Drivers relocating the Palm Harbor should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $55 cheaper than it is in Palm Harbor.
Bear in mind that while these are the average car insurance rates for Palm Harbor, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've broken down the average rates for Palm Harbor to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Palm Harbor Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Palm Harbor may see their rates climb back up once they hit retirement age.
Palm Harbor Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Palm Harbor, where women pay around $22 less per month than men. As you can see in the table above, female drivers in the area typically pay $122 on average, while female drivers typically pay $144 each month.
Palm Harbor Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Palm Harbor, drivers with one accident on their record will experience rates around $177 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $119.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Palm Harbor Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$171|
|15 Years or Older||$127|
If you look at the first table above, the cheapest vehicles to insure in Palm Harbor are by and large trucks and vans, at $111 per month.
Car owners can expect to pay an average of around $145 a month for their policy, while SUVs usually cost around $118 a month to insure.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. The most expensive vehicles to insure in Palm Harbor are vehicles less than one year old.
Palm Harbor Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$136|
Generally, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Palm Harbor is no exception, with the difference totaling to around $25 a month.
Palm Harbor Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$146|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $30 a month more than those who own their own home in Palm Harbor. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Palm Harbor, FL
Recent trends in car insurance for Palm Harbor drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance coverage in Palm Harbor dropped from 2017-2020, before steadying out in 2021. Car insurance rates finished down in 2022, at $83 per month
How does Palm Harbor compare to neighboring areas?
Why are car insurance rates in Palm Harbor different from other areas?
Car insurance companies take in numerous factors when choosing how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (frequency of car accidents)
- Prevalence of crime
- Total drivers
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Palm Harbor?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Palm Harbor.
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Palm Harbor Auto Insurance FAQs
What factors affect car insurance quotes in Palm Harbor?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Palm Harbor different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Palm Harbor?
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 Palm Harbor?
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 Palm Harbor 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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