Table of contents
How much is car insurance in Pinellas Park?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Florida are about $28 a month cheaper than the rates drivers pay in Pinellas Park.
Likewise, drivers in Pinellas Park may pay higher rates than the rest of the country. The cost of auto coverage in Pinellas Park is about $70 more expensive than the national average.
Bear in mind that while these rates represent the expected monthly payments for Pinellas Park residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies assess when determining 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 the bill you'll see each month.
We've analyzed the average rate for Pinellas Park and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Pinellas Park.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Pinellas Park, the difference is around $38 per month. Based on the chart above, you can see that female drivers pay around $126 on average, while male drivers typically pay $164 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Pinellas Park with a single accident will pay around $164 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $148.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$183|
|15 Years or Older||$147|
If you look at the first table above, the cheapest vehicles to insure in Pinellas Park are typically SUVs, at $140 per month.
SUV owners, on the other hand, by and large pay around $140 a month, while truck and van drivers can expect to pay about $158 per month to insure their car.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Pinellas Park, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$163|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Pinellas Park is no exception, with the difference totaling to around $40 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$213|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $7 a month more than homeowners in Pinellas Park. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Pinellas Park, FL
Recent trends in car insurance for Pinellas Park drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Pinellas Park, car insurance rates had been increasing from 2016-2017, when they hit a high of $202. This changed in 2018, when rates started to decrease. They reached a low of $106 in 2019, and finished at $132 in 2021.
How does Pinellas Park compare to neighboring areas?
Why are car insurance rates in Pinellas Park different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Number of drivers in the community
- Local laws
- Number of car accidents
- Regional crime rates
- Off-street parking availability
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Pinellas Park?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Pinellas Park.
Pinellas Park Insurance FAQs
What factors affect car insurance quotes in Pinellas Park?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Pinellas Park different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Pinellas Park?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Pinellas Park?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Pinellas Park 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.