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How much is car insurance in Pinellas Park?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Pinellas Park are about $15 a month more expensive than the rest of Florida.
Likewise, drivers in Pinellas Park may pay higher rates than the rest of the country. The cost of insuring a vehicle in Pinellas Park is about $57 more expensive than the average rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Pinellas Park, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Pinellas Park and broken down the different factors to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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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, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up in Pinellas Park.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Pinellas Park, where women pay around $15 less per month than men. Based on the chart above, you can see that female drivers pay around $129 on average, while male drivers typically pay $144 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. 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. The rate for drivers in Pinellas Park with a single accident on their record is about $140 a month. In addition, drivers with a single ticket on their record can expect to pay around $279 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$132|
As you can see in the first table above, the cheapest vehicles to insure in Pinellas Park are typically SUVs, which run about $119 per month.
Cars, trucks, and vans, on the other hand, usually cost about $144 for insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. 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)||$149|
Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Pinellas Park can be as much as $42 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$205|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Pinellas Park, expect to pay around $25 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
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 before picking an insurance policy.
In Pinellas Park, the rates for auto insurance had been decreasing from 2017-2019, where they hit a low of $106, before steadying out in 2020. Rates have been decreasing again since 2021, and finished down at $64 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 will take into account many factors when choosing how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Availability of off-street parking
- Crime rates
- Road Safety (total number of local car accidents)
- Total number of drivers in the area
- Area regulations
An awareness of these factors is important 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 get started.
How can I find the cheapest car insurance in Pinellas Park?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Pinellas Park in no time.
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Pinellas Park Insurance FAQs
What factors affect car insurance quotes in Pinellas Park?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Pinellas Park different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Pinellas Park?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Pinellas Park or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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