Plant City, FL Car Insurance

On average, Plant City drivers pay a monthly average rate of around $118 for their car insurance. Learn more in our handy guide below.
Compared to their surrounding area, how do rates in Plant City stack up? What about against the rest of Florida? How much can residents of Plant City expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Plant City?

Area Average Monthly Car Insurance Premium
Plant City$118
FL$123
United States$81

Auto insurance coverage in Plant City is about $5 cheaper than it is in the rest of Florida.

On the flip side, the expected monthly payments for an auto insurance policy in Plant City are above the national average. You can expect to pay about $37 more for your policy in Plant City.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down average rates for Plant City residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$178
25-34$123
35-44$123
45-54Not Enough Data
55-64$85
65+$96

Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $82 more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates creep back up in Plant City.

Average Car Insurance Rates by Gender

Gender Average
Male$123
Female$113

On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Plant City totals about $10 per month. Based on the chart above, you can see that female drivers pay around $113 on average, while male drivers typically pay $123 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$166
Multiple Accidents$210
1 Ticket$130
Multiple Tickets$87

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Plant City with one accident will pay around $166 a month. Likewise, drivers with one ticket will be looking at a rate of around $130 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$69
2-3 Years$109
4-5 Years$106
6-7 Years$182
8-10 Years$112
11-14 Years$119
15 Years or Older$111

If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Plant City, with drivers paying around $111 per month for auto insurance.

SUV drivers will see rates of about $114, while the rates for car owners average out to about $123 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Plant City are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$125
Married$100
Divorced$89
Widowed$111

On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Plant City reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$97
Rent$125
Live with parents$166

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $28 a month more than if you own your own home in Plant City. 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 Plant City, FL

Recent trends in car insurance for Plant City drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Plant City, car insurance rates had been decreasing from 2017-2019, where they hit a low of $108, before steadying out in 2020. Car insurance rates have been decreasing again since 2021, and finished down at $62 in 2022.

How does Plant City compare to neighboring areas?

Why are car insurance rates in Plant City different from other areas?

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total amount of drivers in the community
  • Off-street parking accessibility
  • Local regulations
  • Road Safety (total number of local car accidents)
  • Rate of crime

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Plant City?

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.

Luckily, 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 a number of the car insurance companies offering coverage in Plant City.

Compare the cheapest quotes from dozens of insurance companies

Plant City Insurance FAQs

What factors affect car insurance quotes in Plant City?

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 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 Plant City 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 parking situations, local laws, 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 Plant City?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Plant City?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Plant City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes