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How much is car insurance in Plant City?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Plant City is about $4 cheaper than it is in the rest of Florida.
Drivers relocating the Plant City should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $39 cheaper than it is 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. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down average rates for Plant City residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Plant City Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in Plant City.
Plant City Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Plant City, this difference shakes out to about $7 per month. Based on the chart above, you can see that female drivers pay around $115 on average, while male drivers typically pay $122 each month.
Plant City Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Plant City with one accident will pay around $170 a month. In addition, drivers with one ticket can expect to pay around $142 a month on average.
Plant City Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$109|
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 $110 per month to insure their vehicle.
SUV drivers will see rates of about $116, while the rates for car owners average out to about $124 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Plant City, the most expensive vehicles to insure are vehicles six-to-seven years old.
Plant City Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Plant City as well, where the difference is around $25 a month.
Plant City Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$172|
One other element taken into consideration is your housing situation. Drivers who own property in Plant City can expect to pay around $28 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Plant City, FL
Recent trends in car insurance for Plant City drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
In Plant City, the rates for car insurance dropped from 2017-2019, where it hit a low of $108, before steadying out in 2020. Since 2021, policy premiums have once again been decreasing and reached $94 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 will take into account a number of factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Number of car accidents
- Off-street parking accessibility
- Rate of crime
- Amount of drivers
- Local laws
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. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Plant City?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Plant City in no time.
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Plant City Auto Insurance FAQs
What factors affect car insurance quotes in Plant City?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Plant City different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Plant City?
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 Plant City?
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. 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 Plant City 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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