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How much is car insurance in Pinellas Park?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Pinellas Park is about $16 a month more expensive than the rest of Florida.
Similarly, Pinellas Park residents should prepare to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Pinellas Park is about $59 more expensive than the national average.
These rates may be the average amount drivers in Pinellas Park pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But worry not, we've done the heavy lifting and broken down the average rate for Pinellas Park to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Pinellas Park Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Pinellas Park.
Pinellas Park Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Pinellas Park, male drivers pay about $13 more a month. Based on the chart above, you can see that male drivers pay $144 on average, while female drivers typically pay $131 each month.
Pinellas Park Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Pinellas Park, drivers with one accident on their record will experience rates around $140 a month. Likewise, drivers with one ticket will be looking at a rate of around $279 a month on average.
Pinellas Park Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$134|
The cheapest vehicles to insure in Pinellas Park are by and large SUVs, with each type typically costing about $124 per month.
Cars, trucks, and vans, however, all cost about the same for auto insurance -- around $144 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Pinellas Park, the most expensive vehicles to insure are vehicles two-to -three years old.
Pinellas Park Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$151|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Pinellas Park as well, where the difference is around $46 a month.
Pinellas Park Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$205|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Pinellas Park, expect to pay around $27 a month more than if you are a homeowner. 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 Pinellas Park, FL
Recent trends in car insurance for Pinellas Park 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 shopping for coverage.
In Pinellas Park, car insurance rates declined from 2017-2019, before leveling out in 2020. Rates dropped again recently, reaching a low of $100 in 2022.
How does Pinellas Park compare to neighboring areas?
Why are car insurance rates in Pinellas Park different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Rate of car accidents
- Local crime rates
- Amount of drivers
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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?
Equipping 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.
Don't worry, 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 a bulk of the car insurance companies offering plans in Pinellas Park.
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Pinellas Park Auto 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 age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Pinellas Park different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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?
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 by using 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 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 Pinellas Park 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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